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FMNB vs MQY

FMNB
Farmers National Banc Corp.
BULLISH
Price
$13.70
Market Cap
$809.7M
Sector
Financial Services
AI Confidence
85%
MQY
BlackRock MuniYield Quality Fund, Inc.
BEARISH
Price
$11.26
Market Cap
$808.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FMNB
9.65
MQY
36.32
Forward P/E
FMNB
7.57
MQY
--
P/B Ratio
FMNB
1.06
MQY
0.91
P/S Ratio
FMNB
4.46
MQY
11.59
EV/EBITDA
FMNB
--
MQY
--

Profitability

Gross Margin
FMNB
0.0%
MQY
100.0%
Operating Margin
FMNB
50.02%
MQY
83.01%
Profit Margin
FMNB
30.07%
MQY
31.61%
ROE
FMNB
12.24%
MQY
2.43%
ROA
FMNB
1.05%
MQY
2.41%

Growth

Revenue Growth
FMNB
6.7%
MQY
7.1%
Earnings Growth
FMNB
3.4%
MQY
--

Financial Health

Debt/Equity
FMNB
--
MQY
0.7
Current Ratio
FMNB
--
MQY
0.1
Quick Ratio
FMNB
--
MQY
0.1

Dividends

Dividend Yield
FMNB
4.96%
MQY
6.18%
Payout Ratio
FMNB
46.9%
MQY
224.52%

AI Verdict

FMNB BULLISH

FMNB presents a compelling value opportunity, trading at $13.70, which is significantly below its Graham Number ($20.30) and Intrinsic Value ($17.18). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company maintains a healthy ROE of 12.24% and a sustainable dividend yield of 4.96%. Despite a bearish technical trend (0/100) and modest earnings growth, the deep valuation discount and strong dividend profile provide a significant margin of safety.

Strengths
Significant undervaluation relative to Graham Number ($20.30) and Intrinsic Value ($17.18)
Attractive and sustainable dividend yield of 4.96% with a conservative payout ratio (46.90%)
Strong profitability metrics with an ROE of 12.24% and Operating Margin of 50.03%
Risks
Severe bearish technical trend (0/100) suggesting lack of immediate market momentum
Sensitivity to CECL model assumptions and potential for increased loan charge-offs
Slow earnings growth (YoY 3.40%) and a high PEG ratio (2.73) indicating limited growth catalysts
MQY BEARISH

MQY exhibits significant financial fragility, highlighted by a weak Piotroski F-Score of 3/9 and a critical dividend payout ratio of 224.52%. The stock is trading at a substantial premium to its intrinsic value ($2.17) and above its Graham Number ($9.31), suggesting overvaluation. While the Price-to-Book ratio of 0.91 is attractive, the lack of earnings growth and a bearish technical trend (0/100) indicate poor momentum. Overall, the fund's inability to cover its dividend from earnings creates a high risk of capital erosion.

Strengths
Trading slightly below book value (P/B 0.91)
Positive 1-year price performance (+8.5%)
Strong operating margins (83.01%)
Risks
Unsustainable dividend payout ratio (224.52%)
Weak financial health indicated by Piotroski F-Score (3/9)
Severe liquidity risk indicated by Current Ratio of 0.10

Compare Another Pair

FMNB vs MQY: Head-to-Head Comparison

This page compares Farmers National Banc Corp. (FMNB) and BlackRock MuniYield Quality Fund, Inc. (MQY) 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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