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Side-by-side financial comparison of FARMERS NATIONAL BANC CORP (FMNB) and GCL Global Holdings Ltd (GCL). Click either name above to swap in a different company.

GCL Global Holdings Ltd is the larger business by last-quarter revenue ($98.7M vs $71.5M, roughly 1.4× FARMERS NATIONAL BANC CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs -5.2%, a 25.6% gap on every dollar of revenue. FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $-5.2M).

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.

GCL Global Holdings Ltd is a leading clean energy enterprise focusing on R&D, production and operation of photovoltaic products, energy storage systems and low-carbon energy solutions. Its main markets cover Asia, Europe, North America, serving utility, commercial and residential distributed energy users across the globe.

FMNB vs GCL — Head-to-Head

Bigger by revenue
GCL
GCL
1.4× larger
GCL
$98.7M
$71.5M
FMNB
Higher net margin
FMNB
FMNB
25.6% more per $
FMNB
20.5%
-5.2%
GCL
More free cash flow
FMNB
FMNB
$57.4M more FCF
FMNB
$52.2M
$-5.2M
GCL

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
FMNB
FMNB
GCL
GCL
Revenue
$71.5M
$98.7M
Net Profit
$14.6M
$-5.1M
Gross Margin
11.0%
Operating Margin
24.8%
-6.7%
Net Margin
20.5%
-5.2%
Revenue YoY
3.2%
Net Profit YoY
1.7%
EPS (diluted)
$0.39
$-0.04

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.

Revenue
FMNB
FMNB
GCL
GCL
Q4 25
$71.5M
Q3 25
$70.8M
$98.7M
Q2 25
$69.8M
$142.1M
Q1 25
$67.8M
Q4 24
$69.3M
Q3 24
$70.3M
$36.1M
Q2 24
$66.5M
Q1 24
$63.4M
Net Profit
FMNB
FMNB
GCL
GCL
Q4 25
$14.6M
Q3 25
$12.5M
$-5.1M
Q2 25
$13.9M
$5.6M
Q1 25
$13.6M
Q4 24
$14.4M
Q3 24
$8.5M
$-1.9M
Q2 24
$11.8M
Q1 24
$11.2M
Gross Margin
FMNB
FMNB
GCL
GCL
Q4 25
Q3 25
11.0%
Q2 25
15.0%
Q1 25
Q4 24
Q3 24
16.2%
Q2 24
Q1 24
Operating Margin
FMNB
FMNB
GCL
GCL
Q4 25
24.8%
Q3 25
20.7%
-6.7%
Q2 25
23.4%
2.3%
Q1 25
24.1%
Q4 24
25.5%
Q3 24
14.4%
-5.6%
Q2 24
21.3%
Q1 24
21.2%
Net Margin
FMNB
FMNB
GCL
GCL
Q4 25
20.5%
Q3 25
17.6%
-5.2%
Q2 25
19.9%
3.9%
Q1 25
20.0%
Q4 24
20.8%
Q3 24
12.1%
-5.2%
Q2 24
17.7%
Q1 24
17.7%
EPS (diluted)
FMNB
FMNB
GCL
GCL
Q4 25
$0.39
Q3 25
$0.33
$-0.04
Q2 25
$0.37
$0.05
Q1 25
$0.36
Q4 24
$0.38
Q3 24
$0.23
Q2 24
$0.31
Q1 24
$0.30

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FMNB
FMNB
GCL
GCL
Cash + ST InvestmentsLiquidity on hand
$16.6M
Total DebtLower is stronger
$86.7M
$52.0M
Stockholders' EquityBook value
$485.7M
$33.1M
Total Assets
$5.2B
$159.9M
Debt / EquityLower = less leverage
0.18×
1.57×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FMNB
FMNB
GCL
GCL
Q4 25
Q3 25
$16.6M
Q2 25
$18.2M
Q1 25
Q4 24
Q3 24
$2.7M
Q2 24
Q1 24
Total Debt
FMNB
FMNB
GCL
GCL
Q4 25
$86.7M
Q3 25
$86.6M
$52.0M
Q2 25
$86.4M
$11.9M
Q1 25
$86.3M
Q4 24
$86.2M
Q3 24
$86.0M
Q2 24
$88.9M
Q1 24
$88.8M
Stockholders' Equity
FMNB
FMNB
GCL
GCL
Q4 25
$485.7M
Q3 25
$465.9M
$33.1M
Q2 25
$437.7M
$35.9M
Q1 25
$429.1M
Q4 24
$406.0M
Q3 24
$439.7M
$15.9M
Q2 24
$396.7M
Q1 24
$397.0M
Total Assets
FMNB
FMNB
GCL
GCL
Q4 25
$5.2B
Q3 25
$5.2B
$159.9M
Q2 25
$5.2B
$101.6M
Q1 25
$5.2B
Q4 24
$5.1B
Q3 24
$5.2B
$49.6M
Q2 24
$5.2B
Q1 24
$5.1B
Debt / Equity
FMNB
FMNB
GCL
GCL
Q4 25
0.18×
Q3 25
0.19×
1.57×
Q2 25
0.20×
0.33×
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
FMNB
FMNB
GCL
GCL
Operating Cash FlowLast quarter
$60.0M
$-4.8M
Free Cash FlowOCF − Capex
$52.2M
$-5.2M
FCF MarginFCF / Revenue
73.0%
-5.3%
Capex IntensityCapex / Revenue
11.0%
0.4%
Cash ConversionOCF / Net Profit
4.10×
TTM Free Cash FlowTrailing 4 quarters
$85.8M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FMNB
FMNB
GCL
GCL
Q4 25
$60.0M
Q3 25
$10.7M
$-4.8M
Q2 25
$14.0M
$-10.3M
Q1 25
$15.7M
Q4 24
$66.6M
Q3 24
$23.9M
$6.1M
Q2 24
$16.6M
Q1 24
$13.7M
Free Cash Flow
FMNB
FMNB
GCL
GCL
Q4 25
$52.2M
Q3 25
$9.0M
$-5.2M
Q2 25
$12.4M
$-10.5M
Q1 25
$12.2M
Q4 24
$54.9M
Q3 24
$20.4M
Q2 24
$14.4M
Q1 24
$12.2M
FCF Margin
FMNB
FMNB
GCL
GCL
Q4 25
73.0%
Q3 25
12.8%
-5.3%
Q2 25
17.8%
-7.4%
Q1 25
18.0%
Q4 24
79.2%
Q3 24
29.1%
Q2 24
21.6%
Q1 24
19.2%
Capex Intensity
FMNB
FMNB
GCL
GCL
Q4 25
11.0%
Q3 25
2.4%
0.4%
Q2 25
2.3%
0.1%
Q1 25
5.2%
Q4 24
16.9%
Q3 24
4.9%
Q2 24
3.3%
Q1 24
2.4%
Cash Conversion
FMNB
FMNB
GCL
GCL
Q4 25
4.10×
Q3 25
0.86×
Q2 25
1.01×
-1.84×
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.

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