WallStSmart

Farmers National Banc Corp (FMNB)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 14747% more annual revenue ($28.79B vs $193.91M). FMNB leads profitability with a 29.5% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

FMNB

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.3
Piotroski: 3/9

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FMNB5 strengths · Avg: 9.4/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.2%10/10

Strong operational efficiency at 39.2%

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
27.7%8/10

Revenue surging 27.7% year-over-year

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

Areas to Watch

FMNB4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$832.56M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.732/10

Expensive relative to growth rate

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull 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 39.2%. Revenue growth of 27.7% demonstrates continued momentum.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : FMNB

The primary concerns for FMNB are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Key Dynamics to Monitor

FMNB profiles as a growth stock while HIG is a value play — different risk/reward profiles.

FMNB carries more volatility with a beta of 0.78 — expect wider price swings.

FMNB is growing revenue faster at 27.7% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (77/100 vs 59/100). 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.

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Hartford Financial Services Group

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.

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