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Side-by-side financial comparison of FARMERS NATIONAL BANC CORP (FMNB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $71.5M, roughly 1.1× FARMERS NATIONAL BANC CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs -178.3%, a 198.8% gap on every dollar of revenue. On growth, FARMERS NATIONAL BANC CORP posted the faster year-over-year revenue change (3.2% vs 0.4%). FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $23.2M). Over the past eight quarters, FARMERS NATIONAL BANC CORP's revenue compounded faster (6.2% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
FMNB vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.5M | $78.6M |
| Net Profit | $14.6M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 24.8% | -182.2% |
| Net Margin | 20.5% | -178.3% |
| Revenue YoY | 3.2% | 0.4% |
| Net Profit YoY | 1.7% | -3304.1% |
| EPS (diluted) | $0.39 | $-1.68 |
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 | $71.5M | $78.6M | ||
| Q3 25 | $70.8M | $77.7M | ||
| Q2 25 | $69.8M | $75.6M | ||
| Q1 25 | $67.8M | $77.3M | ||
| Q4 24 | $69.3M | $78.3M | ||
| Q3 24 | $70.3M | $79.1M | ||
| Q2 24 | $66.5M | $74.9M | ||
| Q1 24 | $63.4M | $80.7M |
| Q4 25 | $14.6M | $-140.1M | ||
| Q3 25 | $12.5M | $-6.4M | ||
| Q2 25 | $13.9M | $-102.3M | ||
| Q1 25 | $13.6M | $-7.9M | ||
| Q4 24 | $14.4M | $-4.1M | ||
| Q3 24 | $8.5M | $3.2M | ||
| Q2 24 | $11.8M | $-4.1M | ||
| Q1 24 | $11.2M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 24.8% | -182.2% | ||
| Q3 25 | 20.7% | -3.9% | ||
| Q2 25 | 23.4% | -138.7% | ||
| Q1 25 | 24.1% | -4.7% | ||
| Q4 24 | 25.5% | -1.5% | ||
| Q3 24 | 14.4% | -0.9% | ||
| Q2 24 | 21.3% | -4.6% | ||
| Q1 24 | 21.2% | -3.1% |
| Q4 25 | 20.5% | -178.3% | ||
| Q3 25 | 17.6% | -8.3% | ||
| Q2 25 | 19.9% | -135.2% | ||
| Q1 25 | 20.0% | -10.3% | ||
| Q4 24 | 20.8% | -5.3% | ||
| Q3 24 | 12.1% | 4.1% | ||
| Q2 24 | 17.7% | -5.4% | ||
| Q1 24 | 17.7% | -6.5% |
| Q4 25 | $0.39 | $-1.68 | ||
| Q3 25 | $0.33 | $-0.08 | ||
| Q2 25 | $0.37 | $-1.15 | ||
| Q1 25 | $0.36 | $-0.09 | ||
| Q4 24 | $0.38 | $-0.04 | ||
| Q3 24 | $0.23 | $0.03 | ||
| Q2 24 | $0.31 | $-0.04 | ||
| Q1 24 | $0.30 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $86.7M | $280.1M |
| Stockholders' EquityBook value | $485.7M | $484.4M |
| Total Assets | $5.2B | $1.2B |
| Debt / EquityLower = less leverage | 0.18× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $86.7M | $280.1M | ||
| Q3 25 | $86.6M | $279.5M | ||
| Q2 25 | $86.4M | $279.0M | ||
| Q1 25 | $86.3M | $497.6M | ||
| Q4 24 | $86.2M | $496.8M | ||
| Q3 24 | $86.0M | $496.2M | ||
| Q2 24 | $88.9M | $435.6M | ||
| Q1 24 | $88.8M | $434.9M |
| Q4 25 | $485.7M | $484.4M | ||
| Q3 25 | $465.9M | $616.9M | ||
| Q2 25 | $437.7M | $633.7M | ||
| Q1 25 | $429.1M | $755.7M | ||
| Q4 24 | $406.0M | $761.3M | ||
| Q3 24 | $439.7M | $754.7M | ||
| Q2 24 | $396.7M | $815.4M | ||
| Q1 24 | $397.0M | $813.8M |
| Q4 25 | $5.2B | $1.2B | ||
| Q3 25 | $5.2B | $1.3B | ||
| Q2 25 | $5.2B | $1.4B | ||
| Q1 25 | $5.2B | $1.5B | ||
| Q4 24 | $5.1B | $1.6B | ||
| Q3 24 | $5.2B | $1.6B | ||
| Q2 24 | $5.2B | $1.5B | ||
| Q1 24 | $5.1B | $1.5B |
| Q4 25 | 0.18× | 0.58× | ||
| Q3 25 | 0.19× | 0.45× | ||
| Q2 25 | 0.20× | 0.44× | ||
| Q1 25 | 0.20× | 0.66× | ||
| Q4 24 | 0.21× | 0.65× | ||
| Q3 24 | 0.20× | 0.66× | ||
| Q2 24 | 0.22× | 0.53× | ||
| Q1 24 | 0.22× | 0.53× |
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 | $60.0M | $23.3M |
| Free Cash FlowOCF − Capex | $52.2M | $23.2M |
| FCF MarginFCF / Revenue | 73.0% | 29.6% |
| Capex IntensityCapex / Revenue | 11.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.10× | — |
| TTM Free Cash FlowTrailing 4 quarters | $85.8M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.0M | $23.3M | ||
| Q3 25 | $10.7M | $32.2M | ||
| Q2 25 | $14.0M | $33.1M | ||
| Q1 25 | $15.7M | $2.5M | ||
| Q4 24 | $66.6M | $34.3M | ||
| Q3 24 | $23.9M | $60.1M | ||
| Q2 24 | $16.6M | $31.0M | ||
| Q1 24 | $13.7M | $24.8M |
| Q4 25 | $52.2M | $23.2M | ||
| Q3 25 | $9.0M | $32.1M | ||
| Q2 25 | $12.4M | $33.0M | ||
| Q1 25 | $12.2M | $2.4M | ||
| Q4 24 | $54.9M | $34.0M | ||
| Q3 24 | $20.4M | $59.8M | ||
| Q2 24 | $14.4M | $30.5M | ||
| Q1 24 | $12.2M | $24.7M |
| Q4 25 | 73.0% | 29.6% | ||
| Q3 25 | 12.8% | 41.3% | ||
| Q2 25 | 17.8% | 43.6% | ||
| Q1 25 | 18.0% | 3.0% | ||
| Q4 24 | 79.2% | 43.5% | ||
| Q3 24 | 29.1% | 75.6% | ||
| Q2 24 | 21.6% | 40.7% | ||
| Q1 24 | 19.2% | 30.6% |
| Q4 25 | 11.0% | 0.1% | ||
| Q3 25 | 2.4% | 0.2% | ||
| Q2 25 | 2.3% | 0.1% | ||
| Q1 25 | 5.2% | 0.2% | ||
| Q4 24 | 16.9% | 0.3% | ||
| Q3 24 | 4.9% | 0.3% | ||
| Q2 24 | 3.3% | 0.6% | ||
| Q1 24 | 2.4% | 0.1% |
| Q4 25 | 4.10× | — | ||
| Q3 25 | 0.86× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 4.63× | — | ||
| Q3 24 | 2.80× | 18.52× | ||
| 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
FMNB
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
