Farmers National Banc Corp. (FMNB) vs Peoples Financial Services Corp. (PFIS)
A side-by-side comparison of Farmers National Banc Corp. and Peoples Financial Services Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FMNB vs PFIS
growth of $100 · dividends reinvested · last 10yFMNB vs PFIS: by the numbers
- •PFIS is the larger company ($695M vs $679M market cap).
- •FMNB trades at the lower trailing earnings multiple (10.61 vs 12.28 P/E), one valuation lens rather than an overall verdict.
- •FMNB converts more revenue to profit (20.84% vs 19.74% net margin).
- •PFIS grew revenue faster over the past five years (21.36% vs 13.43% CAGR).
- •FMNB pays the higher dividend yield (4.52% vs 3.57%).
Metrics side by side
Valuation
| Metric | FMNB | PFIS |
|---|---|---|
| P/E ratio | 10.61 | 12.28 |
| Forward P/E | 9.71 | 11.00 |
| PEG ratio | N/A | 1.53 |
| P/S ratio | 2.37 | 2.41 |
| P/B ratio | 0.87 | 1.30 |
Profitability
| Metric | FMNB | PFIS |
|---|---|---|
| Operating margin | 25.27% | 24.51% |
| Net margin | 20.84% | 19.74% |
| ROE | 7.61% | 10.59% |
Farmers National Banc Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Peoples Financial Services Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FMNB | PFIS |
|---|---|---|
| Dividend yield | 4.52% | 3.57% |
| Payout ratio | 47.92% | 44.12% |
Growth (annualized)
| Metric | FMNB | PFIS |
|---|---|---|
| Revenue CAGR (5Y) | 13.43% | 21.36% |
| EPS CAGR (5Y) | -0.27% | 8.05% |
| Total return CAGR (5Y) | 3.03% | 12.72% |
Frequently asked
- Which has the lower trailing P/E, FMNB or PFIS?
- FMNB has the lower trailing P/E: FMNB trades at 10.61 and PFIS at 12.28. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FMNB or PFIS?
- Over the past five years, PFIS grew revenue faster — FMNB at a 13.43% CAGR versus PFIS at 21.36%.
- Does FMNB or PFIS pay a bigger dividend?
- FMNB yields 4.52% and PFIS yields 3.57% based on trailing dividends and the latest price.
- Is FMNB or PFIS more profitable?
- FMNB runs the higher net margin — FMNB at 20.84% versus PFIS at 19.74%.
- How have FMNB and PFIS total returns compared?
- Over the past 10 years, FMNB delivered 7.40% and PFIS delivered 9.35% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Farmers National Banc & Peoples Financial Services appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.