Farmers National Banc Corp. (FMNB) vs Orrstown Financial Services Inc (ORRF)

Farmers National Banc Corp. and Orrstown Financial Services Inc are both Banks Regional companies. Farmers National Banc Corp. and Orrstown Financial Services Inc are of similar size ($919.5M and $864.7M). Orrstown Financial Services Inc trades at the lower P/E: 9.8× against 10.6×. Farmers National Banc Corp. grew revenue faster over the last twelve months: 16.8% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 20.5%) and the higher return on invested capital (14.7% vs 6.96%). Both pay a dividend; Farmers National Banc Corp. yields more (4.44% vs 2.73%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 16 and Farmers National Banc Corp. on 3.

Valuation

Metric FMNB ORRF Banks Regional median
P/E 10.58 9.80 12.02
P/S 2.84 2.36 2.36
P/B 1.17 1.37 1.23
Price to free cash flow 14.89 9.92 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.45% 10.20% 8.21%
Free cash flow yield 6.71% 10.08% 9.23%

Profitability

Metric FMNB ORRF Banks Regional median
Gross margin 69.08% 71.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.52% 24.00% 18.82%
Free cash flow margin 19.04% 23.83% 17.97%
Return on equity 10.87% 14.75% 10.28%
Return on assets 1.08% 1.57% 1.13%
Return on invested capital 6.96% 14.67% 8.45%

Growth

Metric FMNB ORRF Banks Regional median
Revenue growth (TTM) 16.75% (0.52%) 6.37%
EPS growth (last fiscal year) 18.85% 182.43% 18.85%
Revenue growth, 5-year CAGR 13.52% 22.72% 12.65%
Net income growth, 5-year CAGR 5.44% 25.03% 9.81%

Health

Metric FMNB ORRF Banks Regional median
Debt to equity 0.12 0.01 0.17
Current ratio 0.79 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMNB ORRF Banks Regional median
Dividend yield 4.44% 2.73% 2.49%
Payout ratio 0.47 0.27 0.29

Size

Metric FMNB ORRF Banks Regional median
Market cap 919.54m 864.72m 934.85m

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