WallStSmart

Farmers National Banc Corp (FMNB)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 1121273% more annual revenue ($2.17T vs $193.91M). FMNB leads profitability with a 29.5% profit margin vs 24.9%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).

FMNB

Buy

60

out of 100

Grade: C+

Growth: 6.7Profit: 7.0Value: 5.7Quality: 4.8
Piotroski: 4/9

IBN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 4.3
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FMNB5 strengths · Avg: 9.4/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.1%10/10

Strong operational efficiency at 46.1%

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

IBN6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Revenue GrowthGrowth
66.9%10/10

Revenue surging 66.9% year-over-year

Market CapQuality
$90.62B9/10

Large-cap with strong market position

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Areas to Watch

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

0.0% earnings growth

Market CapQuality
$840.26M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

PEG RatioValuation
2.732/10

Expensive relative to growth rate

IBN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 46.1%. Revenue growth of 27.7% demonstrates continued momentum.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.

Bear Case : FMNB

The primary concerns for FMNB are EPS Growth, Market Cap, Return on Equity.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score.

Key Dynamics to Monitor

FMNB carries more volatility with a beta of 0.79 — expect wider price swings.

IBN is growing revenue faster at 66.9% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (81/100 vs 60/100), backed by strong 24.9% margins and 66.9% revenue growth. Both earn "Exceptional 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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ICICI Bank Limited

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.

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