Farmers National Banc Corp. (FMNB) vs First Financial Corporation Indiana (THFF)

Farmers National Banc Corp. and First Financial Corporation Indiana are both Banks Regional companies. Farmers National Banc Corp. and First Financial Corporation Indiana are of similar size ($900.6M and $876.8M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 10.4×. Farmers National Banc Corp. grew revenue faster over the last twelve months: 16.8% against 8.15%. First Financial Corporation Indiana has the higher net margin (23.3% vs 20.5%) and the higher return on invested capital (7.53% vs 6.96%). Both pay a dividend; Farmers National Banc Corp. yields more (4.51% vs 3.02%). Across the 19 metrics below, First Financial Corporation Indiana leads on 14 and Farmers National Banc Corp. on 5.

Valuation

Metric FMNB THFF Banks Regional median
P/E 10.41 10.38 11.98
P/S 2.79 2.42 2.34
P/B 1.15 1.30 1.19
Price to free cash flow 14.65 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.61% 9.64% 8.23%
Free cash flow yield 6.82% 10.55% 9.08%

Profitability

Metric FMNB THFF Banks Regional median
Gross margin 69.08% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.52% 23.32% 18.66%
Free cash flow margin 19.04% 25.60% 21.11%
Return on equity 10.87% 13.42% 10.65%
Return on assets 1.08% 1.44% 1.13%
Return on invested capital 6.96% 7.53% 8.35%

Growth

Metric FMNB THFF Banks Regional median
Revenue growth (TTM) 16.75% 8.15% 6.98%
EPS growth (last fiscal year) 18.85% 67.00% 18.88%
Revenue growth, 5-year CAGR 13.52% 11.36% 12.38%
Net income growth, 5-year CAGR 5.44% 8.03% 9.71%

Health

Metric FMNB THFF Banks Regional median
Debt to equity 0.12 0.43 0.22
Current ratio 0.79 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMNB THFF Banks Regional median
Dividend yield 4.51% 3.02% 2.57%
Payout ratio 0.47 0.31 0.30

Size

Metric FMNB THFF Banks Regional median
Market cap 900.57m 876.79m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack