Head-To-Head Analysis: FVCBankcorp (NASDAQ:FVCB) versus Farmers National Banc (NASDAQ:FMNB)

FVCBankcorp (NASDAQ:FVCB) and Farmers National Banc (NASDAQ:FMNB) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, risk, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Profitability

This table compares FVCBankcorp and Farmers National Banc’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FVCBankcorp	4.55%	7.39%	0.69%
Farmers National Banc	21.05%	16.05%	1.15%

Volatility & Risk

FVCBankcorp has a beta of 0.21, meaning that its stock price is 79% less volatile than the S&P 500. Comparatively, Farmers National Banc has a beta of 0.84, meaning that its stock price is 16% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for FVCBankcorp and Farmers National Banc, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FVCBankcorp	0	0	1	0	3.00
Farmers National Banc	0	2	1	0	2.33

FVCBankcorp currently has a consensus target price of $14.00, indicating a potential upside of 24.00%. Farmers National Banc has a consensus target price of $15.33, indicating a potential upside of 27.04%. Given Farmers National Banc’s higher possible upside, analysts plainly believe Farmers National Banc is more favorable than FVCBankcorp.

Valuation & Earnings

This table compares FVCBankcorp and Farmers National Banc’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FVCBankcorp	$93.25 million	2.16	$3.82 million	$0.24	47.04
Farmers National Banc	$255.20 million	1.78	$49.93 million	$1.45	8.32

Farmers National Banc has higher revenue and earnings than FVCBankcorp. Farmers National Banc is trading at a lower price-to-earnings ratio than FVCBankcorp, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

43.6% of FVCBankcorp shares are owned by institutional investors. Comparatively, 38.7% of Farmers National Banc shares are owned by institutional investors. 14.0% of FVCBankcorp shares are owned by company insiders. Comparatively, 4.0% of Farmers National Banc shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Farmers National Banc beats FVCBankcorp on 8 of the 13 factors compared between the two stocks.

About FVCBankcorp

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

About Farmers National Banc

Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. The company was founded in 1887 and is headquartered in Canfield, Ohio.