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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and FARMERS NATIONAL BANC CORP (FMNB). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $71.5M, roughly 1.5× FARMERS NATIONAL BANC CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs 11.6%, a 8.8% gap on every dollar of revenue. On growth, CARRIAGE SERVICES INC posted the faster year-over-year revenue change (8.0% vs 3.2%). FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $6.2M). Over the past eight quarters, FARMERS NATIONAL BANC CORP's revenue compounded faster (6.2% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs FMNB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $71.5M |
| Net Profit | $12.3M | $14.6M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 24.8% |
| Net Margin | 11.6% | 20.5% |
| Revenue YoY | 8.0% | 3.2% |
| Net Profit YoY | 24.5% | 1.7% |
| EPS (diluted) | $0.76 | $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 | $105.5M | $71.5M | ||
| Q3 25 | $102.7M | $70.8M | ||
| Q2 25 | $102.1M | $69.8M | ||
| Q1 25 | $107.1M | $67.8M | ||
| Q4 24 | $97.7M | $69.3M | ||
| Q3 24 | $100.7M | $70.3M | ||
| Q2 24 | $102.3M | $66.5M | ||
| Q1 24 | $103.5M | $63.4M |
| Q4 25 | $12.3M | $14.6M | ||
| Q3 25 | $6.6M | $12.5M | ||
| Q2 25 | $11.7M | $13.9M | ||
| Q1 25 | $20.9M | $13.6M | ||
| Q4 24 | $9.9M | $14.4M | ||
| Q3 24 | $9.9M | $8.5M | ||
| Q2 24 | $6.3M | $11.8M | ||
| Q1 24 | $7.0M | $11.2M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 24.8% | ||
| Q3 25 | 17.0% | 20.7% | ||
| Q2 25 | 23.5% | 23.4% | ||
| Q1 25 | 29.5% | 24.1% | ||
| Q4 24 | 21.6% | 25.5% | ||
| Q3 24 | 22.7% | 14.4% | ||
| Q2 24 | 18.0% | 21.3% | ||
| Q1 24 | 18.8% | 21.2% |
| Q4 25 | 11.6% | 20.5% | ||
| Q3 25 | 6.4% | 17.6% | ||
| Q2 25 | 11.5% | 19.9% | ||
| Q1 25 | 19.5% | 20.0% | ||
| Q4 24 | 10.1% | 20.8% | ||
| Q3 24 | 9.8% | 12.1% | ||
| Q2 24 | 6.1% | 17.7% | ||
| Q1 24 | 6.7% | 17.7% |
| Q4 25 | $0.76 | $0.39 | ||
| Q3 25 | $0.41 | $0.33 | ||
| Q2 25 | $0.74 | $0.37 | ||
| Q1 25 | $1.34 | $0.36 | ||
| Q4 24 | $0.62 | $0.38 | ||
| Q3 24 | $0.63 | $0.23 | ||
| Q2 24 | $0.40 | $0.31 | ||
| Q1 24 | $0.45 | $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 | $1.7M | — |
| Total DebtLower is stronger | — | $86.7M |
| Stockholders' EquityBook value | $254.8M | $485.7M |
| Total Assets | $1.3B | $5.2B |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $1.7M | — |
| 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 | $254.8M | $485.7M | ||
| Q3 25 | $242.1M | $465.9M | ||
| Q2 25 | $235.4M | $437.7M | ||
| Q1 25 | $223.1M | $429.1M | ||
| Q4 24 | $208.6M | $406.0M | ||
| Q3 24 | $198.1M | $439.7M | ||
| Q2 24 | $187.9M | $396.7M | ||
| Q1 24 | $179.6M | $397.0M |
| Q4 25 | $1.3B | $5.2B | ||
| Q3 25 | $1.3B | $5.2B | ||
| Q2 25 | $1.3B | $5.2B | ||
| Q1 25 | $1.3B | $5.2B | ||
| Q4 24 | $1.3B | $5.1B | ||
| Q3 24 | $1.3B | $5.2B | ||
| Q2 24 | $1.3B | $5.2B | ||
| Q1 24 | $1.3B | $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 | $14.1M | $60.0M |
| Free Cash FlowOCF − Capex | $6.2M | $52.2M |
| FCF MarginFCF / Revenue | 5.9% | 73.0% |
| Capex IntensityCapex / Revenue | 7.5% | 11.0% |
| Cash ConversionOCF / Net Profit | 1.15× | 4.10× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $85.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $60.0M | ||
| Q3 25 | $24.7M | $10.7M | ||
| Q2 25 | $8.1M | $14.0M | ||
| Q1 25 | $13.8M | $15.7M | ||
| Q4 24 | $9.3M | $66.6M | ||
| Q3 24 | $20.9M | $23.9M | ||
| Q2 24 | $2.2M | $16.6M | ||
| Q1 24 | $19.7M | $13.7M |
| Q4 25 | $6.2M | $52.2M | ||
| Q3 25 | $18.0M | $9.0M | ||
| Q2 25 | $5.2M | $12.4M | ||
| Q1 25 | $10.6M | $12.2M | ||
| Q4 24 | $4.9M | $54.9M | ||
| Q3 24 | $16.2M | $20.4M | ||
| Q2 24 | $-1.4M | $14.4M | ||
| Q1 24 | $16.2M | $12.2M |
| Q4 25 | 5.9% | 73.0% | ||
| Q3 25 | 17.5% | 12.8% | ||
| Q2 25 | 5.1% | 17.8% | ||
| Q1 25 | 9.9% | 18.0% | ||
| Q4 24 | 5.0% | 79.2% | ||
| Q3 24 | 16.1% | 29.1% | ||
| Q2 24 | -1.4% | 21.6% | ||
| Q1 24 | 15.6% | 19.2% |
| Q4 25 | 7.5% | 11.0% | ||
| Q3 25 | 6.5% | 2.4% | ||
| Q2 25 | 2.8% | 2.3% | ||
| Q1 25 | 3.0% | 5.2% | ||
| Q4 24 | 4.5% | 16.9% | ||
| Q3 24 | 4.6% | 4.9% | ||
| Q2 24 | 3.5% | 3.3% | ||
| Q1 24 | 3.4% | 2.4% |
| Q4 25 | 1.15× | 4.10× | ||
| Q3 25 | 3.76× | 0.86× | ||
| Q2 25 | 0.69× | 1.01× | ||
| Q1 25 | 0.66× | 1.15× | ||
| Q4 24 | 0.94× | 4.63× | ||
| Q3 24 | 2.11× | 2.80× | ||
| Q2 24 | 0.34× | 1.41× | ||
| Q1 24 | 2.83× | 1.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
FMNB
Segment breakdown not available.
