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Farmers National Banc Corp. (FMNB) vs TrustCo Bank Corp NY (TRST)

Farmers National Banc Corp. and TrustCo Bank Corp NY are both Banks Regional companies. Farmers National Banc Corp. and TrustCo Bank Corp NY are of similar size ($919.8M and $900.6M). Farmers National Banc Corp. trades at the lower P/E: 10.4× against 15.0×. Farmers National Banc Corp. grew revenue faster over the last twelve months: 16.8% against 6.12%. TrustCo Bank Corp NY has the higher net margin (22.8% vs 20.5%) and the lower return on invested capital (0.00% vs 6.96%). Both pay a dividend; Farmers National Banc Corp. yields more (4.51% vs 2.84%). Across the 19 metrics below, Farmers National Banc Corp. leads on 14 and TrustCo Bank Corp NY on 5.

Valuation

Metric FMNB TRST Banks Regional median
P/E 10.41 15.04 11.98
P/S 2.79 3.29 2.34
P/B 1.15 1.43 1.19
Price to free cash flow 14.65 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.61% 6.65% 8.23%
Free cash flow yield 6.82% 6.37% 9.08%

Profitability

Metric FMNB TRST Banks Regional median
Gross margin 69.08% 68.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.52% 22.76% 18.66%
Free cash flow margin 19.04% 20.92% 21.11%
Return on equity 10.87% 9.65% 10.65%
Return on assets 1.08% 1.01% 1.13%
Return on invested capital 6.96% 0.00% 8.35%

Growth

Metric FMNB TRST Banks Regional median
Revenue growth (TTM) 16.75% 6.12% 6.98%
EPS growth (last fiscal year) 18.85% 26.46% 18.88%
Revenue growth, 5-year CAGR 13.52% 7.33% 12.38%
Net income growth, 5-year CAGR 5.44% 3.11% 9.71%

Health

Metric FMNB TRST Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 0.79 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMNB TRST Banks Regional median
Dividend yield 4.51% 2.84% 2.57%
Payout ratio 0.47 0.43 0.30

Size

Metric FMNB TRST Banks Regional median
Market cap 900.57m 919.83m 913.33m

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