Farmers National Banc Corp (FMNB)vsU.S. Bancorp (USB)
FMNB
Farmers National Banc Corp
$15.55
-2.02%
FINANCIAL SERVICES · Cap: $907.08M
USB
U.S. Bancorp
$60.49
-0.99%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 12667% more annual revenue ($27.89B vs $218.43M). FMNB leads profitability with a 30.4% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
FMNB
Strong Buy66
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 47.0%
Revenue surging 56.4% year-over-year
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FMNB
The strongest argument for FMNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.4% and operating margin at 47.0%. Revenue growth of 56.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : FMNB
The primary concerns for FMNB are Market Cap, Return on Equity, PEG Ratio.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FMNB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FMNB is growing revenue faster at 56.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 66/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Farmers National Banc Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Farmers National Banc Corp. The company is headquartered in Canfield, Ohio.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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