Farmers National Banc Corp. (FMNB) Dividend Safety Gauge & 10-Year DRIP Compounder

Per the Roarable RQD rating, FMNB scores 67 out of 100, earning a C+ letter grade and the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 12 of 20 (ROIC 11.2%; FCF yield 5.58%), Whale/13F Flow at 13 of 20 (institutional accumulation and options positioning), Insider Conviction at 16 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5).

For a prospective investor, the strongest pillar is Insider Conviction, the weakest relative to its ceiling is Fundamental Cash Engine, and the middle pillars sit at roughly two-thirds of their maximum. The cash-engine score reflects an 11.2% ROIC and a 5.58% FCF yield, which is a reasonable but not exceptional cash-return profile per the rating. The forensic pillar's Altman Z of 2.5 and Piotroski F of 5 out of 9 describe a balance sheet that the rating treats as adequate rather than pristine. Upside drivers the rating points to are the insider and institutional signals; valuation tradeoffs are visible in the trailing P/E of 17.1 versus a forward P/E of 15.9, implying the market expects earnings to rise; and the Beta of 1.0 means the stock is expected to move broadly with the market rather than amplify it. The "watch for breakout" verdict signals that the rating sees the setup as neutral today with a potential shift contingent on the flow signals strengthening.

Per the SEC financials, revenue rose from $255.2M in FY 2023 to $279.9M in FY 2025, while net income moved from $49.9M to $54.6M over the same span, with FY 2024 at $45.9M. Free cash flow declined from $62.9M in FY 2023 to $52.2M in FY 2025. Per market data, the net margin is 19.5%, and ROIC is 11.2%. The per-rating Altman Z-Score is 2.5 and the Piotroski F-Score is 5 out of 9. The per-rating Debt/Equity is 0.5. Gross and operating margin are reported as 0% in the market data, which the source does not further explain.

Per the recent news feed, five items reference FMNB. Three Yahoo Finance, TradingView, and Seeking Alpha items on earnings and market coverage are tagged YELLOW, and a Stock Titan item on a long profitability streak is tagged YELLOW. A MarketBeat item reporting a downgrade from Wall Street Zen is tagged RED under the "RISK WATCH" label, making it the sole risk-flagged catalyst in the feed. The earnings-related headlines cite a Q3 result surpassing estimates, but the source provides no figures for that quarter. Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE," with no butterfly links and no proprietary signals.

• What are the reported cash and debt balances, since the financials show them as N/A for every period?
• What is the EPS for each fiscal year, given the reported EPS is N/A across all periods?
• What drove the reported 0% gross and operating margins, and do these reflect the reporting format of a bank?
• What were the specific Q3 earnings figures underlying the headline that results surpassed estimates?
• What is the basis for the RED-flagged downgrade from Wall Street Zen, and does it reflect fundamental or quantitative factors?