C&F Financial Corporation (CFFI) vs Fidelity D&D Bancorp Inc. (FDBC)

C&F Financial Corporation and Fidelity D&D Bancorp Inc. are both Banks Regional companies. C&F Financial Corporation and Fidelity D&D Bancorp Inc. are of similar size ($336.0M and $334.0M). Fidelity D&D Bancorp Inc. trades at the lower P/E: 11.0× against 11.4×. C&F Financial Corporation grew revenue faster over the last twelve months: 8.95% against 8.42%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 14.9%) and the higher return on invested capital (44.1% vs 6.75%). Both pay a dividend; Fidelity D&D Bancorp Inc. yields more (2.96% vs 1.86%). Across the 19 metrics below, Fidelity D&D Bancorp Inc. leads on 10 and C&F Financial Corporation on 9.

Valuation

Metric CFFI FDBC Banks Regional median
P/E 11.39 11.01 11.98
P/S 1.70 2.36 2.34
P/B 1.19 1.35 1.19
Price to free cash flow 8.61 12.19 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.78% 9.08% 8.23%
Free cash flow yield 11.62% 8.21% 9.08%

Profitability

Metric CFFI FDBC Banks Regional median
Gross margin 76.37% 68.19% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.91% 21.12% 18.66%
Free cash flow margin 19.76% 19.34% 21.11%
Return on equity 11.20% 13.00% 10.65%
Return on assets 1.06% 1.08% 1.13%
Return on invested capital 6.75% 44.07% 8.35%

Growth

Metric CFFI FDBC Banks Regional median
Revenue growth (TTM) 8.95% 8.42% 6.98%
EPS growth (last fiscal year) 37.94% 35.00% 18.88%
Revenue growth, 5-year CAGR 4.20% 16.95% 12.38%
Net income growth, 5-year CAGR 3.94% 16.69% 9.71%

Health

Metric CFFI FDBC Banks Regional median
Debt to equity 0.42 0.02 0.22
Current ratio 0.92 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFI FDBC Banks Regional median
Dividend yield 1.86% 2.96% 2.57%
Payout ratio 0.21 0.33 0.30

Size

Metric CFFI FDBC Banks Regional median
Market cap 334.04m 335.96m 913.33m

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