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Farmers National Banc Corp. (FMNB) vs Hanmi Financial Corporation (HAFC)

Farmers National Banc Corp. and Hanmi Financial Corporation are both Banks Regional companies. Farmers National Banc Corp. and Hanmi Financial Corporation are of similar size ($959.5M and $919.5M). Hanmi Financial Corporation trades at the lower P/E: 10.6× against 11.1×. Farmers National Banc Corp. grew revenue faster over the last twelve months: 25.8% against 3.30%. Hanmi Financial Corporation has the higher net margin (20.1% vs 19.6%) and the higher return on invested capital (14.6% vs 8.40%). Both pay a dividend; Farmers National Banc Corp. yields more (4.47% vs 2.57%). Across the 18 metrics below, Hanmi Financial Corporation leads on 12 and Farmers National Banc Corp. on 6.

Valuation

Metric FMNB HAFC Banks Regional median
P/E 11.10 10.64 11.87
P/S 2.61 2.11 2.35
P/B 1.27 1.19 1.23
Price to free cash flow 14.78 4.56 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.01% 9.40% 8.34%
Free cash flow yield 6.77% 21.91% 9.37%

Profitability

Metric FMNB HAFC Banks Regional median
Gross margin 69.20% 64.33% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.60% 20.09% 18.99%
Free cash flow margin 0.00% 0.00% 18.19%
Return on equity 11.58% 11.47% 10.45%
Return on assets 1.11% 1.15% 1.15%
Return on invested capital 8.40% 14.56% 8.54%

Growth

Metric FMNB HAFC Banks Regional median
Revenue growth (TTM) 25.76% 3.30% 6.56%
EPS growth (last fiscal year) 18.85% 22.44% 18.85%
Revenue growth, 5-year CAGR 13.52% 10.75% 12.65%
Net income growth, 5-year CAGR 5.44% 12.51% 9.81%

Health

Metric FMNB HAFC Banks Regional median
Debt to equity 0.00 0.09 0.14
Current ratio 0.00 0.96 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMNB HAFC Banks Regional median
Dividend yield 4.47% 2.57% 2.51%
Payout ratio 0.50 0.28 0.30

Size

Metric FMNB HAFC Banks Regional median
Market cap 919.54m 959.53m 915.17m

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