COMP <GO>
FMAO vs PDLB // REVENUE GROWTH (YOY)
Farmers & Merchants Bancorp Inc. (NASDAQ) VS. Ponce Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: FMAO 3
— PDLB 3
■ METRIC PARITY
LAST: $37.11 (+1.48%) • MKT CAP: $510.7M
revenue-growth
—
LAST: $22.68 (+1.21%) • MKT CAP: $548.6M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FMAO VS. PDLB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FMAO | PDLB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.00% | 5.10% | +3.90 | FMAO | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.85% | 9.96% | -3.11 | PDLB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.37% | 0.00% | +2.37 | FMAO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.8 | 78.7 | -15.90 | PDLB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.2x | 18.5x | -4.30 | FMAO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $510.7M | $548.6M | -$37.9M | PDLB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FMAO REV | PDLB REV | FMAO GROSS % | PDLB GROSS % | FMAO FCF | PDLB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $35.0M | $54.6M |
| FY 2024 | $0 | $0 | — | — | $30.6M | $4.5M |
| FY 2023 | $0 | $0 | — | — | $22.1M | $6.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FMAO // BETA —
PDLB // BETA —