Pricing Log in Create free account

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

Farmers & Merchants Bancorp Inc. and Ponce Financial Group, Inc. are both Banks Regional companies. Farmers & Merchants Bancorp Inc. and Ponce Financial Group, Inc. are of similar size ($528.0M and $500.5M). Ponce Financial Group, Inc. trades at the lower P/E: 11.3× against 11.6×. Ponce Financial Group, Inc. grew revenue faster over the last twelve months: 14.4% against 7.05%. Farmers & Merchants Bancorp Inc. has the higher net margin (21.0% vs 20.7%) and the higher return on invested capital (9.71% vs 2.67%). Across the 18 metrics below, Ponce Financial Group, Inc. leads on 13 and Farmers & Merchants Bancorp Inc. on 5.

Valuation

Metric FMAO PDLB Banks Regional median
P/E 11.64 11.33 12.02
P/S 2.46 2.35 2.36
P/B 1.28 1.43 1.23
Price to free cash flow 10.62 7.19 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.59% 8.83% 8.21%
Free cash flow yield 9.42% 13.92% 9.23%

Profitability

Metric FMAO PDLB Banks Regional median
Gross margin 66.87% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.04% 20.69% 18.82%
Free cash flow margin 23.21% 32.74% 17.97%
Return on equity 11.27% 13.49% 10.28%
Return on assets 1.21% 1.30% 1.13%
Return on invested capital 9.71% 2.67% 8.45%

Growth

Metric FMAO PDLB Banks Regional median
Revenue growth (TTM) 7.05% 14.35% 6.37%
EPS growth (last fiscal year) 27.89% 160.87% 18.85%
Revenue growth, 5-year CAGR 17.00% 23.97% 12.65%
Net income growth, 5-year CAGR 10.53% 48.24% 9.81%

Health

Metric FMAO PDLB Banks Regional median
Debt to equity 0.43 1.20 0.17
Current ratio 0.96 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMAO PDLB Banks Regional median
Dividend yield 2.56% — 2.49%
Payout ratio 0.30 — 0.29

Size

Metric FMAO PDLB Banks Regional median
Market cap 500.49m 528.02m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack