Roiver

Roiver Score for

FMNBFarmers National Banc Corp

State Commercial Banks

65/ 100Solid

Based on fundamentals through 12/31/2025.

As of December 31, 2025, Farmers National Banc Corp (FMNB) scores 65/100 (Solid) on the Roiver Score — a transparent quality composite. Its strongest area is capital structure; its weakest is profitability. The score measures business quality, not timing — it's a signal, not a recommendation.

Profitability
6.2 / 20
Capital structure
20.0 / 20
Cash quality
16.4 / 20
Valuation
8.0 / 20
Stability
14.7 / 20

No black box

Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →

Frequently asked about FMNB

What is FMNB's Roiver Score?

Farmers National Banc Corp scores 65 out of 100 (Solid) as of December 31, 2025, based on fundamentals.

How is the Roiver Score for FMNB calculated?

It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.

Is FMNB a good quality stock?

On quality, FMNB rates "Solid" (65/100). Its strongest driver is capital structure and its weakest is profitability. Quality is one input to a decision, not a buy/sell call.

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Educational use only. Roiver Score is a quality signal, not a recommendation.

FMNB — Roiver Score™ 65 (Solid)