Farmers National Banc Corp (FMNB)vsHDFC Bank Limited ADR (HDB)
FMNB
Farmers National Banc Corp
$14.19
+0.78%
FINANCIAL SERVICES · Cap: $840.26M
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1460929% more annual revenue ($2.83T vs $193.91M). FMNB leads profitability with a 29.5% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 68/100 (B-).
FMNB
Buy60
out of 100
Grade: C+
HDB
Strong Buy68
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
Strong operational efficiency at 46.1%
Keeps 30 of every $100 in revenue as profit
Revenue surging 27.7% year-over-year
Strong operational efficiency at 40.5%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 7.5% — below average capital efficiency
Expensive relative to growth rate
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : FMNB
The strongest argument for FMNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.5% and operating margin at 46.1%. Revenue growth of 27.7% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : FMNB
The primary concerns for FMNB are EPS Growth, Market Cap, Return on Equity.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
FMNB profiles as a growth stock while HDB is a declining play — different risk/reward profiles.
FMNB carries more volatility with a beta of 0.79 — expect wider price swings.
FMNB is growing revenue faster at 27.7% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (68/100 vs 60/100), backed by strong 26.8% margins. Both earn "Strong Buy" and "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 →HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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