Which has the lower trailing P/E, FMAO or PDLB?

FMAO has the lower trailing P/E: FMAO trades at 12.19 and PDLB at 14.52. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FMAO or PDLB?

Over the past five years, PDLB grew revenue faster — FMAO at a 17.50% CAGR versus PDLB at 23.57%.

Does FMAO or PDLB pay a bigger dividend?

FMAO pays a dividend (2.59% yield), while PDLB has no payments in the available dividend history.

Is FMAO or PDLB more profitable?

FMAO runs the higher net margin — FMAO at 20.53% versus PDLB at 16.51%.

How have FMAO and PDLB total returns compared?

Over the past 5 years, FMAO delivered 12.50% and PDLB delivered 6.72% annualized total return. Past performance doesn't predict future results.

Farmers & Merchants Bancorp, Inc. (FMAO) vs Ponce Financial Group, Inc. (PDLB)

A side-by-side comparison of Farmers & Merchants Bancorp, Inc. and Ponce Financial Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FMAO

Farmers & Merchants Bancorp, Inc.

$488M

$35.48Financial ServicesDelayed quote: Oct 6, 2026, 1:00 PM EDT

PDLB

Ponce Financial Group, Inc.

$492M

$20.32Financial ServicesDelayed quote: Oct 6, 2026, 1:00 PM EDT

Total return — FMAO vs PDLB

growth of $100 · dividends reinvested · last 9y

FMAO +26.5% (+2.6%/yr)PDLB +36.1% (+3.5%/yr)PDLB compounded faster over this window

FMAO PDLB

FMAO vs PDLB: by the numbers

•PDLB is the larger company ($492M vs $488M market cap).
•FMAO trades at the lower trailing earnings multiple (12.19 vs 14.52 P/E), one valuation lens rather than an overall verdict.
•FMAO converts more revenue to profit (20.53% vs 16.51% net margin).
•PDLB grew revenue faster over the past five years (23.57% vs 17.50% CAGR).
•FMAO pays a dividend (2.59% yield), while PDLB has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FMAO	PDLB
P/E ratio	12.19	14.52
Forward P/E	11.18	12.32
PEG ratio	N/A	0.37
P/S ratio	2.51	2.40
P/B ratio	1.27	1.46

Profitability

Metric	FMAO	PDLB
Operating margin	26.25%	22.60%
Net margin	20.53%	16.51%
ROE	10.40%	6.02%

Farmers & Merchants Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Ponce Financial Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FMAO	PDLB
Dividend yield	2.59%	N/A
Payout ratio	31.53%	N/A

Growth (annualized)

Metric	FMAO	PDLB
Revenue CAGR (5Y)	17.50%	23.57%
EPS CAGR (5Y)	N/A	39.39%
Total return CAGR (5Y)	12.50%	6.72%

Frequently asked

Which has the lower trailing P/E, FMAO or PDLB?: FMAO has the lower trailing P/E: FMAO trades at 12.19 and PDLB at 14.52. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FMAO or PDLB?: Over the past five years, PDLB grew revenue faster — FMAO at a 17.50% CAGR versus PDLB at 23.57%.
Does FMAO or PDLB pay a bigger dividend?: FMAO pays a dividend (2.59% yield), while PDLB has no payments in the available dividend history.
Is FMAO or PDLB more profitable?: FMAO runs the higher net margin — FMAO at 20.53% versus PDLB at 16.51%.
How have FMAO and PDLB total returns compared?: Over the past 5 years, FMAO delivered 12.50% and PDLB delivered 6.72% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FMAO analysis Full PDLB analysis Interactive comparison tool

Dig into the metrics

Farmers & Merchants Bancorp P/E ratio Ponce Financial P/E ratio Farmers & Merchants Bancorp dividend yield Farmers & Merchants Bancorp ROE Ponce Financial ROE Farmers & Merchants Bancorp operating margin Ponce Financial operating margin Farmers & Merchants Bancorp revenue growth Ponce Financial revenue growth

Farmers & Merchants Bancorp & Ponce Financial appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.