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Kearny Financial vs Farmers & Merchants Bancorp: KRNY and FMAO compared
Kearny Financial is the larger company: $45.3M of revenue in its latest quarter (Q1 FY27) against $34.8M for Farmers & Merchants Bancorp (Q3 2026). Farmers & Merchants Bancorp is growing faster (+11% against +4% a year earlier). Farmers & Merchants Bancorp is more profitable, with an operating margin of 40.8% against 28.0%.
Where the money goes: KRNY and FMAO
Kearny Financial (KRNY) · Q1 FY27
Kearny Financial, Q1 FY27: revenue $45.3M (+4% year over year), operating margin 28.0%, net earnings $10.0M, operating cash flow $9.3M. The chart follows the revenue to costs, profit and cash.
Farmers & Merchants Bancorp (FMAO) · Q3 2026
Farmers & Merchants Bancorp, Q3 2026: revenue $34.8M (+11% year over year), operating margin 40.8%, net earnings $11.5M, operating cash flow $14.9M. The chart follows the revenue to costs, profit and cash.
| Kearny Financial (KRNY) | Farmers & Merchants Bancorp (FMAO) | |
|---|---|---|
| Latest quarter | Q1 FY27 | Q3 2026 |
| Revenue | $45.3M | $34.8M |
| Revenue growth, Y/Y | +4% | +11% |
| Operating margin | 28.0% | 40.8% |
| Net earnings | $10.0M | $11.5M |
| Net margin | 22.2% | 33.1% |
| Operating cash flow | $9.3M | $14.9M |
| Free cash flow | — | $14.6M |
Where the revenue comes from
Kearny Financial
- Net interest income: $40.1M (89%)
- Noninterest income: $5.2M (11%)
Farmers & Merchants Bancorp
- Net interest income: $29.9M (86%)
- Noninterest income: $4.9M (14%)
Questions
Which is bigger, Kearny Financial or Farmers & Merchants Bancorp?
Kearny Financial is the larger company: $45.3M of revenue in its latest quarter (Q1 FY27) against $34.8M for Farmers & Merchants Bancorp (Q3 2026).
Is Kearny Financial or Farmers & Merchants Bancorp growing faster?
Farmers & Merchants Bancorp is growing faster (+11% against +4% a year earlier).
Which is more profitable, Kearny Financial or Farmers & Merchants Bancorp?
Farmers & Merchants Bancorp is more profitable, with an operating margin of 40.8% against 28.0%.
More: Kearny Financial earnings · how Kearny Financial makes money · Farmers & Merchants Bancorp earnings · how Farmers & Merchants Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 27, 2026). Fiscal quarters can end on different dates. Not investment advice.