Farmers National Banc (NASDAQ: FMNB) and International Bancshares (NASDAQ:IBOC) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, analyst recommendations, valuation, institutional ownership and earnings.
This is a breakdown of current recommendations and price targets for Farmers National Banc and International Bancshares, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Farmers National Banc||0||2||1||0||2.33|
Risk and Volatility
Farmers National Banc has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500. Comparatively, International Bancshares has a beta of 1.47, suggesting that its stock price is 47% more volatile than the S&P 500.
This table compares Farmers National Banc and International Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Farmers National Banc||24.60%||11.96%||1.33%|
Farmers National Banc pays an annual dividend of $0.28 per share and has a dividend yield of 1.7%. International Bancshares pays an annual dividend of $0.66 per share and has a dividend yield of 1.4%. Farmers National Banc pays out 31.1% of its earnings in the form of a dividend. International Bancshares has raised its dividend for 6 consecutive years.
Earnings & Valuation
This table compares Farmers National Banc and International Bancshares’ gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Farmers National Banc||$104.58 million||4.24||$22.71 million||$0.90||17.83|
|International Bancshares||$565.54 million||5.33||$157.43 million||N/A||N/A|
International Bancshares has higher revenue and earnings than Farmers National Banc.
Insider & Institutional Ownership
35.1% of Farmers National Banc shares are owned by institutional investors. Comparatively, 58.8% of International Bancshares shares are owned by institutional investors. 9.1% of Farmers National Banc shares are owned by insiders. Comparatively, 17.9% of International Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
International Bancshares beats Farmers National Banc on 11 of the 15 factors compared between the two stocks.
About Farmers National Banc
Farmers National Banc Corp., through its subsidiaries, operates in the banking, trust, retirement consulting, insurance, and financial management industries. The company 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, credit card, brokerage, and other services. It also provides personal and corporate trust services in the areas of estate settlement, trust administration, and employee benefit plans; retirement services; and various insurance products through licensed representatives, as well as invests in municipal securities. As of February 27, 2018, the company operated 41 locations in Mahoning, Trumbull, Columbiana, Stark, Summit, Wayne, Medina, Holmes, and Cuyahoga Counties in Ohio, as well as Beaver County in Pennsylvania; and 4 trust offices. Farmers National Banc Corp. was founded in 1887 and is headquartered in Canfield, Ohio.
About International Bancshares
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange. In addition, it offers other banking related services, such as credit cards and safety deposit boxes; collection, notary public, escrow, and drive-up and walk-up facilities, as well as other customary banking services; and Internet banking services, as well as securities products through third party providers. The company provides its services through 192 branch locations and 294 ATMs serving 87 communities in south, central, and southeast Texas, as well as in the state of Oklahoma. International Bancshares Corporation was founded in 1966 and is based in Laredo, Texas.
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