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

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Farmers National Banc	$279.92 million	3.29	$54.59 million	$1.47	10.59
Orion Digital	$49.11 million	0.51	-$6.11 million	($0.50)	-2.08

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.

Volatility & Risk

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

Profitability

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

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

Analyst Recommendations

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

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

Farmers National Banc presently has a consensus price target of $16.00, suggesting a potential upside of 2.83%. Given Farmers National Banc’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Farmers National Banc is more favorable than Orion Digital.

Insider and Institutional Ownership

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

Summary

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

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.

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.