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CAC vs FMNB

CAC
Camden National Corporation
BULLISH
Price
$49.07
Market Cap
$833.0M
Sector
Financial Services
AI Confidence
70%
FMNB
Farmers National Banc Corp.
BULLISH
Price
$13.94
Market Cap
$823.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CAC
12.78
FMNB
9.61
Forward P/E
CAC
8.35
FMNB
7.7
P/B Ratio
CAC
1.19
FMNB
1.08
P/S Ratio
CAC
3.57
FMNB
4.54
EV/EBITDA
CAC
--
FMNB
--

Profitability

Gross Margin
CAC
0.0%
FMNB
0.0%
Operating Margin
CAC
47.52%
FMNB
50.02%
Profit Margin
CAC
27.91%
FMNB
30.07%
ROE
CAC
10.61%
FMNB
12.24%
ROA
CAC
1.02%
FMNB
1.05%

Growth

Revenue Growth
CAC
39.2%
FMNB
6.7%
Earnings Growth
CAC
33.8%
FMNB
3.4%

Financial Health

Debt/Equity
CAC
--
FMNB
--
Current Ratio
CAC
--
FMNB
--
Quick Ratio
CAC
--
FMNB
--

Dividends

Dividend Yield
CAC
3.43%
FMNB
4.88%
Payout Ratio
CAC
43.75%
FMNB
46.9%

AI Verdict

CAC BULLISH

CAC shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.8
Strong profitability (27.9% margin)
Strong revenue growth of 39.2%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
FMNB BULLISH

FMNB presents a strong value opportunity, trading significantly below its Graham Number ($20.51) and Intrinsic Value ($17.55). The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and a healthy ROE of 12.24%, which vastly outperforms the sector average. While earnings growth is modest and recent quarterly surprises have been negative, the low P/E ratio and sustainable 4.88% dividend yield provide a significant margin of safety. The bullish outlook is driven by deep valuation discounts despite a bearish technical trend indicator.

Strengths
Significant undervaluation relative to Graham Number ($20.51) and Intrinsic Value ($17.55)
Strong ROE (12.24%) compared to the negative sector average (-2.65%)
Attractive and sustainable dividend yield of 4.88% with a conservative 46.9% payout ratio
Risks
Sluggish earnings growth (YoY 3.40%) compared to revenue growth
Recent earnings volatility with a -14.3% surprise in the most recent reported quarter
Bearish technical trend (0/100) suggesting short-term momentum headwinds

Compare Another Pair

CAC vs FMNB: Head-to-Head Comparison

This page compares Camden National Corporation (CAC) and Farmers National Banc Corp. (FMNB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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