COMP <GO>
KRNY vs FMAO // DIVIDEND YIELD & FCF PAYOUT SAFETY
Kearny Financial Corp (NASDAQ) VS. Farmers & Merchants Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: KRNY 2
— FMAO 5
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: KRNY
LAST: $9.12 (-1.19%) • MKT CAP: $599.3M
dividend-safety
4.61%
LAST: $36.42 (-1.86%) • MKT CAP: $510.7M
dividend-safety
2.37%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (KRNY VS. FMAO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | KRNY | FMAO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 9.00% | -5.60 | FMAO | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 3.57% | 6.85% | -3.28 | FMAO | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 4.61% | 2.37% | +2.24 | KRNY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | FMAO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.2 | 62.8 | -12.60 | FMAO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 21.4x | 14.2x | +7.20 | FMAO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $599.3M | $510.7M | $88.6M | KRNY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | KRNY REV | FMAO REV | KRNY GROSS % | FMAO GROSS % | KRNY FCF | FMAO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $21.4M | $35.0M |
| FY 2024 | $0 | $0 | — | — | $42.6M | $30.6M |
| FY 2023 | $0 | $0 | — | — | $69.5M | $22.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
KRNY // BETA —
FMAO // BETA —