Blue Ridge Bankshares, Inc. (BRBS) vs Fidelity D&D Bancorp Inc. (FDBC)

Blue Ridge Bankshares, Inc. and Fidelity D&D Bancorp Inc. are both Banks Regional companies. Blue Ridge Bankshares, Inc. and Fidelity D&D Bancorp Inc. are of similar size ($349.1M and $336.0M). Fidelity D&D Bancorp Inc. trades at the lower P/E: 11.0× against 37.9×. Fidelity D&D Bancorp Inc. grew revenue faster over the last twelve months: 8.42% against −14.2%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 6.87%) and the higher return on invested capital (44.1% vs 2.06%). Only Fidelity D&D Bancorp Inc. pays a dividend (2.96%). Across the 19 metrics below, Fidelity D&D Bancorp Inc. leads on 16 and Blue Ridge Bankshares, Inc. on 3.

Valuation

Metric BRBS FDBC Banks Regional median
P/E 37.86 11.01 11.98
P/S 2.59 2.36 2.34
P/B 1.28 1.35 1.19
Price to free cash flow 15.76 12.19 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.64% 9.08% 8.23%
Free cash flow yield 6.34% 8.21% 9.08%

Profitability

Metric BRBS FDBC Banks Regional median
Gross margin 61.60% 68.19% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.87% 21.12% 18.66%
Free cash flow margin 16.40% 19.34% 21.11%
Return on equity 3.03% 13.00% 10.65%
Return on assets 0.38% 1.08% 1.13%
Return on invested capital 2.06% 44.07% 8.35%

Growth

Metric BRBS FDBC Banks Regional median
Revenue growth (TTM) (14.15%) 8.42% 6.98%
EPS growth (last fiscal year) 135.48% 35.00% 18.88%
Revenue growth, 5-year CAGR 6.43% 16.95% 12.38%
Net income growth, 5-year CAGR (9.56%) 16.69% 9.71%

Health

Metric BRBS FDBC Banks Regional median
Debt to equity 0.60 0.02 0.22
Current ratio 1.02 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS FDBC Banks Regional median
Dividend yield 0.00% 2.96% 2.57%
Payout ratio 0.00 0.33 0.30

Size

Metric BRBS FDBC Banks Regional median
Market cap 349.07m 335.96m 913.33m

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