Head-To-Head Comparison: FVCBankcorp (NASDAQ:FVCB) and 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 business? We will compare the two companies based on the strength of their analyst recommendations, profitability, risk, valuation, earnings, institutional ownership and dividends.

Insider & Institutional 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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares FVCBankcorp and Farmers National Banc’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FVCBankcorp	$93.25 million	2.15	$3.82 million	$0.24	46.71
Farmers National Banc	$255.20 million	1.82	$49.93 million	$1.34	9.24

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.

Analyst Recommendations

This is a breakdown of current ratings and price targets for FVCBankcorp and Farmers National Banc, as reported by MarketBeat.com.

	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, suggesting a potential upside of 24.89%. Farmers National Banc has a consensus target price of $15.33, suggesting a potential upside of 23.86%. Given FVCBankcorp’s stronger consensus rating and higher possible upside, analysts clearly believe FVCBankcorp is more favorable than Farmers National Banc.

Risk and Volatility

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

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	19.57%	16.91%	1.22%

Summary

Farmers National Banc beats FVCBankcorp on 7 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.