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Side-by-side financial comparison of C3.ai, Inc. (AI) and FARMERS NATIONAL BANC CORP (FMNB). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $71.5M, roughly 1.1× FARMERS NATIONAL BANC CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs -139.3%, a 159.8% gap on every dollar of revenue. On growth, FARMERS NATIONAL BANC CORP posted the faster year-over-year revenue change (3.2% vs -20.3%). FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $-46.9M). Over the past eight quarters, FARMERS NATIONAL BANC CORP's revenue compounded faster (6.2% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
Farmers National Banc Corp (OH) is a regional financial holding company based in Ohio, the United States. It offers full-spectrum retail and commercial banking products, wealth management solutions, and insurance services, primarily catering to individual consumers, small and medium-sized enterprises, and local community clients in Ohio and adjacent Midwestern U.S. regions.
AI vs FMNB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $71.5M |
| Net Profit | $-104.7M | $14.6M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | 24.8% |
| Net Margin | -139.3% | 20.5% |
| Revenue YoY | -20.3% | 3.2% |
| Net Profit YoY | -58.7% | 1.7% |
| EPS (diluted) | $-0.75 | $0.39 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $75.1M | $71.5M | ||
| Q3 25 | $70.3M | $70.8M | ||
| Q2 25 | $108.7M | $69.8M | ||
| Q1 25 | $98.8M | $67.8M | ||
| Q4 24 | $94.3M | $69.3M | ||
| Q3 24 | $87.2M | $70.3M | ||
| Q2 24 | $86.6M | $66.5M | ||
| Q1 24 | $78.4M | $63.4M |
| Q4 25 | $-104.7M | $14.6M | ||
| Q3 25 | $-116.8M | $12.5M | ||
| Q2 25 | $-79.7M | $13.9M | ||
| Q1 25 | $-80.2M | $13.6M | ||
| Q4 24 | $-66.0M | $14.4M | ||
| Q3 24 | $-62.8M | $8.5M | ||
| Q2 24 | $-72.9M | $11.8M | ||
| Q1 24 | $-72.6M | $11.2M |
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | 57.8% | — |
| Q4 25 | -149.2% | 24.8% | ||
| Q3 25 | -177.7% | 20.7% | ||
| Q2 25 | -81.8% | 23.4% | ||
| Q1 25 | -88.7% | 24.1% | ||
| Q4 24 | -79.8% | 25.5% | ||
| Q3 24 | -83.2% | 14.4% | ||
| Q2 24 | -95.1% | 21.3% | ||
| Q1 24 | -105.3% | 21.2% |
| Q4 25 | -139.3% | 20.5% | ||
| Q3 25 | -166.2% | 17.6% | ||
| Q2 25 | -73.3% | 19.9% | ||
| Q1 25 | -81.2% | 20.0% | ||
| Q4 24 | -69.9% | 20.8% | ||
| Q3 24 | -72.0% | 12.1% | ||
| Q2 24 | -84.2% | 17.7% | ||
| Q1 24 | -92.6% | 17.7% |
| Q4 25 | $-0.75 | $0.39 | ||
| Q3 25 | $-0.86 | $0.33 | ||
| Q2 25 | $-0.60 | $0.37 | ||
| Q1 25 | $-0.62 | $0.36 | ||
| Q4 24 | $-0.52 | $0.38 | ||
| Q3 24 | $-0.50 | $0.23 | ||
| Q2 24 | $-0.59 | $0.31 | ||
| Q1 24 | $-0.60 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | — |
| Total DebtLower is stronger | — | $86.7M |
| Stockholders' EquityBook value | $771.9M | $485.7M |
| Total Assets | $961.3M | $5.2B |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $675.0M | — | ||
| Q3 25 | $711.9M | — | ||
| Q2 25 | $742.7M | — | ||
| Q1 25 | $724.3M | — | ||
| Q4 24 | $730.4M | — | ||
| Q3 24 | $762.5M | — | ||
| Q2 24 | $750.4M | — | ||
| Q1 24 | $723.3M | — |
| Q4 25 | — | $86.7M | ||
| Q3 25 | — | $86.6M | ||
| Q2 25 | — | $86.4M | ||
| Q1 25 | — | $86.3M | ||
| Q4 24 | — | $86.2M | ||
| Q3 24 | — | $86.0M | ||
| Q2 24 | — | $88.9M | ||
| Q1 24 | — | $88.8M |
| Q4 25 | $771.9M | $485.7M | ||
| Q3 25 | $798.8M | $465.9M | ||
| Q2 25 | $838.3M | $437.7M | ||
| Q1 25 | $860.2M | $429.1M | ||
| Q4 24 | $859.0M | $406.0M | ||
| Q3 24 | $874.9M | $439.7M | ||
| Q2 24 | $873.4M | $396.7M | ||
| Q1 24 | $898.0M | $397.0M |
| Q4 25 | $961.3M | $5.2B | ||
| Q3 25 | $968.7M | $5.2B | ||
| Q2 25 | $1.0B | $5.2B | ||
| Q1 25 | $1.1B | $5.2B | ||
| Q4 24 | $1.0B | $5.1B | ||
| Q3 24 | $1.1B | $5.2B | ||
| Q2 24 | $1.0B | $5.2B | ||
| Q1 24 | $1.1B | $5.1B |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.22× | ||
| Q1 24 | — | 0.22× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-46.5M | $60.0M |
| Free Cash FlowOCF − Capex | $-46.9M | $52.2M |
| FCF MarginFCF / Revenue | -62.4% | 73.0% |
| Capex IntensityCapex / Revenue | 0.5% | 11.0% |
| Cash ConversionOCF / Net Profit | — | 4.10× |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | $85.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-46.5M | $60.0M | ||
| Q3 25 | $-33.5M | $10.7M | ||
| Q2 25 | $11.3M | $14.0M | ||
| Q1 25 | $-22.0M | $15.7M | ||
| Q4 24 | $-38.7M | $66.6M | ||
| Q3 24 | $8.0M | $23.9M | ||
| Q2 24 | $21.3M | $16.6M | ||
| Q1 24 | $-39.1M | $13.7M |
| Q4 25 | $-46.9M | $52.2M | ||
| Q3 25 | $-34.3M | $9.0M | ||
| Q2 25 | $10.3M | $12.4M | ||
| Q1 25 | $-22.4M | $12.2M | ||
| Q4 24 | $-39.5M | $54.9M | ||
| Q3 24 | $7.1M | $20.4M | ||
| Q2 24 | $18.8M | $14.4M | ||
| Q1 24 | $-45.1M | $12.2M |
| Q4 25 | -62.4% | 73.0% | ||
| Q3 25 | -48.8% | 12.8% | ||
| Q2 25 | 9.5% | 17.8% | ||
| Q1 25 | -22.7% | 18.0% | ||
| Q4 24 | -41.9% | 79.2% | ||
| Q3 24 | 8.2% | 29.1% | ||
| Q2 24 | 21.7% | 21.6% | ||
| Q1 24 | -57.6% | 19.2% |
| Q4 25 | 0.5% | 11.0% | ||
| Q3 25 | 1.1% | 2.4% | ||
| Q2 25 | 0.9% | 2.3% | ||
| Q1 25 | 0.4% | 5.2% | ||
| Q4 24 | 0.9% | 16.9% | ||
| Q3 24 | 1.1% | 4.9% | ||
| Q2 24 | 2.9% | 3.3% | ||
| Q1 24 | 7.8% | 2.4% |
| Q4 25 | — | 4.10× | ||
| Q3 25 | — | 0.86× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 1.15× | ||
| Q4 24 | — | 4.63× | ||
| Q3 24 | — | 2.80× | ||
| Q2 24 | — | 1.41× | ||
| Q1 24 | — | 1.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
FMNB
Segment breakdown not available.
