Farmers National Banc vs S&T Bancorp
FMNB and STBA side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FMNB and STBA compare
S&T Bancorp is the larger company, worth 2.0 times as much as Farmers National Banc ($1.8B against $918M).
On earnings, Farmers National Banc is cheaper: it trades at 11.2× trailing earnings, against 13.0× for S&T Bancorp.
Farmers National Banc grew revenue faster over the last twelve months (25.8% versus 7.5% for S&T Bancorp).
S&T Bancorp keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 19.6% at Farmers National Banc.
Both pay dividends: Farmers National Banc yields 4.5% and S&T Bancorp 2.9%.
Farmers National Banc scores higher on the StockData Score (16 against 13 for S&T Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FMNB | STBA |
|---|---|---|
| Size and price | ||
| Market cap | $918M | $1.8B |
| Share price | $15.50 | $51.16 |
| Change, 1 year | 15.9% | 30.9% |
| Change, 5 years | −15.6% | 61.3% |
| Beta (5Y) | 0.59 | 0.62 |
| Employees | 706 | 1,206 |
| StockData Score | ||
| Total score | 16 (better) | 13 |
| Valuation score | 3 (better) | 1 |
| Growth score | 3 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.2× (better) | 13.0× |
| P/S | 2.6× (better) | 4.3× |
| P/B | 1.3× (better) | 1.3× |
| P/FCF | 11.5× | 10.7× (better) |
| PEG | – | 45.06 |
| FCF yield | 8.7% | 9.4% (better) |
| Fair value | $15.14 | $45.74 |
| Margin of safety | −2.4% (better) | −11.8% |
| Growth | ||
| Revenue growth (TTM) | 25.8% (better) | 7.5% |
| Revenue growth, 5Y average | 16.2% (better) | 3.5% |
| Net income growth (TTM) | 26.0% (better) | 8.2% |
| EPS growth (TTM) | −3.5% | 13.5% (better) |
| EPS growth, 5Y average | −0.27% | 45.8% (better) |
| Profitability | ||
| Net margin | 19.6% | 34.3% (better) |
| FCF margin | 22.8% | 40.1% (better) |
| Return on equity | 11.6% (better) | 10.0% |
| Financial health | ||
| Debt / equity | 0.60 | – |
| Altman Z-score | 0.20 | 0.34 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 4.5% (better) | 2.9% |
| Payout ratio | 48.8% | 37.0% |
| Years of dividend growth | 0 | 13 (better) |
| Dividend growth, 5Y average | – | 4.3% |
| Buyback yield | – | 7.4% |
| Shareholder yield | 4.5% | 10.3% (better) |
| Ownership | ||
| Held by institutions | 43.0% | 74.3% |
| Held by insiders | 2.7% | 1.4% |
| Insider net buying, 12 months | $1.1M (better) | −$887K |
| Short interest, % of float | 3.5% | 7.1% |
Go deeper
- FMNB stock overview
- FMNB income statement
- FMNB valuation and score
- STBA stock overview
- STBA income statement
- STBA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.