Farmers & Merchants Bancorp (FMAO) vs Kearny Financial (KRNY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Farmers & Merchants Bancorp (FMAO) has outperformed Kearny Financial (KRNY) over the past year, gaining 40.9% versus a gain of 37.0%. Over five years, FMAO leads with a +46.6% price change compared with -30.4% for KRNY. Kearny Financial is the larger company by market cap ($582.1 million vs $489.6 million), about 1.2 times the size.
On valuation, Kearny Financial trades at a lower forward P/E (9.3x vs 10.9x for Farmers & Merchants Bancorp). Kearny Financial offers the higher dividend yield (4.77% vs 2.58%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FMAO | KRNY |
|---|---|---|
| Share price | $35.55 | $9.22 |
| Market cap | $489.64M | $582.14M |
| 1-day change | +1.86% | +1.15% |
| YTD return | +41.18% | +22.94% |
| 1-year return | +40.90% | +36.99% |
| 5-year return | +46.58% | -30.35% |
| P/E ratio (TTM) | 12.22 | 16.17 |
| Forward P/E | 10.87 | 9.26 |
| EPS (TTM) | $2.91 | $0.57 |
| Dividend yield | 2.58% | 4.77% |
| Annual dividend | $0.918 | $0.44 |
| 52-week high | $36.12 | $10.24 |
| 52-week low | $22.77 | $6.23 |
| Distance from 52-week high | -1.58% | -10.01% |
| Analyst consensus | none | none |
| Avg. price target upside | +1.27% | +15.79% |
| Average volume | 64.49K | 573.84K |
| Shares outstanding | 13.77M | 63.17M |
| Employees | 477 | 502 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Kearny Financial trades at a higher earnings multiple (16.2x vs 12.2x trailing P/E).
- Kearny Financial offers a meaningfully higher dividend yield (4.77% vs 2.58%).
About Farmers & Merchants Bancorp
FMAO stock →Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in Northwest Ohio, Northeast Indiana, and Southeast Michigan.
Finance · Savings Institutions · 477 employees
About Kearny Financial
KRNY stock →Kearny Financial Corp. operates as the holding company for Kearny Bank that provides banking products and services in the United States.
Finance · Savings Institutions · 502 employees
FMAO vs KRNY FAQ
Which is bigger, Farmers & Merchants Bancorp or Kearny Financial?
Kearny Financial (KRNY) is larger, with a market capitalization of $582.14M compared with $489.64M for Farmers & Merchants Bancorp (FMAO).
Which stock has performed better over the past year, FMAO or KRNY?
FMAO returned +40.90% over the past 12 months, compared with +36.99% for KRNY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FMAO or KRNY?
FMAO has the lower trailing P/E at 12.2, versus 16.2 for KRNY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Farmers & Merchants Bancorp or Kearny Financial?
Kearny Financial has the higher yield at 4.77%, compared with 2.58% for Farmers & Merchants Bancorp.
Are Farmers & Merchants Bancorp and Kearny Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.