Head-To-Head Analysis: Farmers National Banc (NASDAQ:FMNB) versus Orion Digital (NASDAQ:ORIO)

Orion Digital (NASDAQ:ORIO) and Farmers National Banc (NASDAQ:FMNB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, risk, valuation, institutional ownership and dividends.

Volatility & Risk

Orion Digital has a beta of 2.55, indicating that its share price is 155% more volatile than the S&P 500. Comparatively, Farmers National Banc has a beta of 0.76, indicating that its share price is 24% less volatile than the S&P 500.

Earnings and Valuation

This table compares Orion Digital and Farmers National Banc”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orion Digital	$49.11 million	0.51	-$6.11 million	($0.50)	-2.10
Farmers National Banc	$223.55 million	4.17	$54.59 million	$1.47	10.71

Farmers National Banc has higher revenue and earnings than Orion Digital. Orion Digital is trading at a lower price-to-earnings ratio than Farmers National Banc, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

14.8% of Orion Digital shares are held by institutional investors. Comparatively, 38.7% of Farmers National Banc shares are held by institutional investors. 12.3% of Orion Digital shares are held by company insiders. Comparatively, 3.5% of Farmers National Banc shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Orion Digital and Farmers National Banc’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Orion Digital	-24.49%	-6.17%	-2.56%
Farmers National Banc	20.52%	12.03%	1.21%

Analyst Recommendations

This is a summary of current recommendations and price targets for Orion Digital and Farmers National Banc, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orion Digital	1	1	0	0	1.50
Farmers National Banc	0	2	1	0	2.33

Farmers National Banc has a consensus price target of $16.00, indicating a potential upside of 1.65%. Given Farmers National Banc’s stronger consensus rating and higher probable upside, analysts clearly believe Farmers National Banc is more favorable than Orion Digital.

Summary

Farmers National Banc beats Orion Digital on 12 of the 14 factors compared between the two stocks.

About Orion Digital

Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.

About Farmers National Banc

Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. The company was founded in 1887 and is headquartered in Canfield, Ohio.