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Side-by-side financial comparison of FARMERS NATIONAL BANC CORP (FMNB) and ZIPRECRUITER, INC. (ZIP). Click either name above to swap in a different company.
ZIPRECRUITER, INC. is the larger business by last-quarter revenue ($111.7M vs $71.5M, roughly 1.6× FARMERS NATIONAL BANC CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs -0.7%, a 21.2% gap on every dollar of revenue. On growth, FARMERS NATIONAL BANC CORP posted the faster year-over-year revenue change (3.2% vs 0.6%). FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $7.6M). Over the past eight quarters, FARMERS NATIONAL BANC CORP's revenue compounded faster (6.2% CAGR vs -4.4%).
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.
ZipRecruiter, Inc. is an American employment marketplace for job seekers and employers.
FMNB vs ZIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.5M | $111.7M |
| Net Profit | $14.6M | $-835.0K |
| Gross Margin | — | 89.1% |
| Operating Margin | 24.8% | 3.6% |
| Net Margin | 20.5% | -0.7% |
| Revenue YoY | 3.2% | 0.6% |
| Net Profit YoY | 1.7% | 92.3% |
| EPS (diluted) | $0.39 | $-0.03 |
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 | $111.7M | ||
| Q3 25 | $70.8M | $115.0M | ||
| Q2 25 | $69.8M | $112.2M | ||
| Q1 25 | $67.8M | $110.1M | ||
| Q4 24 | $69.3M | $111.0M | ||
| Q3 24 | $70.3M | $117.1M | ||
| Q2 24 | $66.5M | $123.7M | ||
| Q1 24 | $63.4M | $122.2M |
| Q4 25 | $14.6M | $-835.0K | ||
| Q3 25 | $12.5M | $-9.8M | ||
| Q2 25 | $13.9M | $-9.5M | ||
| Q1 25 | $13.6M | $-12.8M | ||
| Q4 24 | $14.4M | $-10.8M | ||
| Q3 24 | $8.5M | $-2.6M | ||
| Q2 24 | $11.8M | $7.0M | ||
| Q1 24 | $11.2M | $-6.5M |
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 89.1% |
| Q4 25 | 24.8% | 3.6% | ||
| Q3 25 | 20.7% | -4.4% | ||
| Q2 25 | 23.4% | -5.9% | ||
| Q1 25 | 24.1% | -10.6% | ||
| Q4 24 | 25.5% | -3.6% | ||
| Q3 24 | 14.4% | -2.8% | ||
| Q2 24 | 21.3% | 7.6% | ||
| Q1 24 | 21.2% | -0.7% |
| Q4 25 | 20.5% | -0.7% | ||
| Q3 25 | 17.6% | -8.5% | ||
| Q2 25 | 19.9% | -8.5% | ||
| Q1 25 | 20.0% | -11.7% | ||
| Q4 24 | 20.8% | -9.7% | ||
| Q3 24 | 12.1% | -2.2% | ||
| Q2 24 | 17.7% | 5.7% | ||
| Q1 24 | 17.7% | -5.3% |
| Q4 25 | $0.39 | $-0.03 | ||
| Q3 25 | $0.33 | $-0.11 | ||
| Q2 25 | $0.37 | $-0.10 | ||
| Q1 25 | $0.36 | $-0.13 | ||
| Q4 24 | $0.38 | $-0.10 | ||
| Q3 24 | $0.23 | $-0.03 | ||
| Q2 24 | $0.31 | $0.07 | ||
| Q1 24 | $0.30 | $-0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $188.0M |
| Total DebtLower is stronger | $86.7M | — |
| Stockholders' EquityBook value | $485.7M | $-77.2M |
| Total Assets | $5.2B | $569.7M |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $188.0M | ||
| Q3 25 | — | $211.8M | ||
| Q2 25 | — | $203.5M | ||
| Q1 25 | — | $221.1M | ||
| Q4 24 | — | $218.4M | ||
| Q3 24 | — | $225.6M | ||
| Q2 24 | — | $271.7M | ||
| Q1 24 | — | $282.5M |
| 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 | $485.7M | $-77.2M | ||
| Q3 25 | $465.9M | $-76.1M | ||
| Q2 25 | $437.7M | $-65.9M | ||
| Q1 25 | $429.1M | $-11.3M | ||
| Q4 24 | $406.0M | $13.4M | ||
| Q3 24 | $439.7M | $13.6M | ||
| Q2 24 | $396.7M | $24.4M | ||
| Q1 24 | $397.0M | $12.7M |
| Q4 25 | $5.2B | $569.7M | ||
| Q3 25 | $5.2B | $573.6M | ||
| Q2 25 | $5.2B | $592.4M | ||
| Q1 25 | $5.2B | $629.4M | ||
| Q4 24 | $5.1B | $664.1M | ||
| Q3 24 | $5.2B | $652.0M | ||
| Q2 24 | $5.2B | $665.3M | ||
| Q1 24 | $5.1B | $662.4M |
| 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 | $60.0M | $7.7M |
| Free Cash FlowOCF − Capex | $52.2M | $7.6M |
| FCF MarginFCF / Revenue | 73.0% | 6.8% |
| Capex IntensityCapex / Revenue | 11.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.10× | — |
| TTM Free Cash FlowTrailing 4 quarters | $85.8M | $9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.0M | $7.7M | ||
| Q3 25 | $10.7M | $2.6M | ||
| Q2 25 | $14.0M | $10.5M | ||
| Q1 25 | $15.7M | $-9.9M | ||
| Q4 24 | $66.6M | $12.5M | ||
| Q3 24 | $23.9M | $9.3M | ||
| Q2 24 | $16.6M | $21.9M | ||
| Q1 24 | $13.7M | $2.0M |
| Q4 25 | $52.2M | $7.6M | ||
| Q3 25 | $9.0M | $2.2M | ||
| Q2 25 | $12.4M | $10.2M | ||
| Q1 25 | $12.2M | $-10.2M | ||
| Q4 24 | $54.9M | $12.0M | ||
| Q3 24 | $20.4M | $9.2M | ||
| Q2 24 | $14.4M | $21.7M | ||
| Q1 24 | $12.2M | $1.9M |
| Q4 25 | 73.0% | 6.8% | ||
| Q3 25 | 12.8% | 1.9% | ||
| Q2 25 | 17.8% | 9.1% | ||
| Q1 25 | 18.0% | -9.3% | ||
| Q4 24 | 79.2% | 10.8% | ||
| Q3 24 | 29.1% | 7.8% | ||
| Q2 24 | 21.6% | 17.6% | ||
| Q1 24 | 19.2% | 1.6% |
| Q4 25 | 11.0% | 0.1% | ||
| Q3 25 | 2.4% | 0.3% | ||
| Q2 25 | 2.3% | 0.3% | ||
| Q1 25 | 5.2% | 0.3% | ||
| Q4 24 | 16.9% | 0.4% | ||
| Q3 24 | 4.9% | 0.2% | ||
| Q2 24 | 3.3% | 0.1% | ||
| 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× | — | ||
| Q2 24 | 1.41× | 3.12× | ||
| 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.
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
