Farmers & Merchants Bancorp (FMAO) vs Ponce Financial Group (PDLB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Farmers & Merchants Bancorp (FMAO) has outperformed Ponce Financial Group (PDLB) over the past year, gaining 40.2% versus a gain of 38.9%. Over five years, PDLB leads with a +92.1% price change compared with +48.3% for FMAO. Ponce Financial Group is the larger company by market cap ($488.4 million vs $486.3 million), about 1.0 times the size.
On valuation, Farmers & Merchants Bancorp trades at a lower forward P/E (10.8x vs 11.4x for Ponce Financial Group). Farmers & Merchants Bancorp pays a dividend yielding 2.60%, while Ponce Financial Group does not currently pay one.
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 | PDLB |
|---|---|---|
| Share price | $35.31 | $20.19 |
| Market cap | $486.33M | $488.35M |
| 1-day change | +1.17% | +0.55% |
| YTD return | +42.84% | +23.49% |
| 1-year return | +40.23% | +38.86% |
| 5-year return | +48.30% | +92.12% |
| P/E ratio (TTM) | 12.13 | 14.32 |
| Forward P/E | 10.80 | 11.41 |
| EPS (TTM) | $2.91 | $1.41 |
| Dividend yield | 2.60% | 0.00% |
| Annual dividend | $0.918 | $0.00 |
| 52-week high | $36.12 | $21.10 |
| 52-week low | $22.77 | $13.91 |
| Distance from 52-week high | -2.24% | -4.31% |
| Analyst consensus | none | none |
| Avg. price target upside | +1.95% | +18.87% |
| Average volume | 63.82K | 75.35K |
| Shares outstanding | 13.77M | 24.19M |
| Employees | 477 | 229 |
| 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
- Farmers & Merchants Bancorp offers a meaningfully higher dividend yield (2.60% vs 0.00%).
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 Ponce Financial Group
PDLB stock →Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services.
Finance · Savings Institutions · 229 employees
FMAO vs PDLB FAQ
Which is bigger, Farmers & Merchants Bancorp or Ponce Financial Group?
Ponce Financial Group (PDLB) is larger, with a market capitalization of $488.35M compared with $486.33M for Farmers & Merchants Bancorp (FMAO).
Which stock has performed better over the past year, FMAO or PDLB?
FMAO returned +40.23% over the past 12 months, compared with +38.86% for PDLB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FMAO or PDLB?
FMAO has the lower trailing P/E at 12.1, versus 14.3 for PDLB. 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 Ponce Financial Group?
Farmers & Merchants Bancorp pays a dividend yielding 2.60%, while Ponce Financial Group does not currently pay a regular dividend.
Are Farmers & Merchants Bancorp and Ponce Financial Group in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.