First Community Corporation (FCCO) vs Fidelity D&D Bancorp Inc. (FDBC)

First Community Corporation and Fidelity D&D Bancorp Inc. are both Banks Regional companies. First Community Corporation and Fidelity D&D Bancorp Inc. are of similar size ($317.8M and $306.9M). Fidelity D&D Bancorp Inc. trades at the lower P/E: 10.6× against 12.1×. First Community Corporation grew revenue faster over the last twelve months: 15.9% against 8.42%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 18.3%) and the higher return on invested capital (44.1% vs 24.6%). Both pay a dividend; First Community Corporation yields more (3.38% vs 3.15%). Across the 20 metrics below, Fidelity D&D Bancorp Inc. leads on 16 and First Community Corporation on 4.

Valuation

Metric FCCO FDBC Banks Regional median
P/E 12.11 10.56 12.15
P/S 2.45 2.26 2.37
P/B 1.35 1.29 1.21
Price to free cash flow 46.96 11.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.28 0.86 2.27
Earnings yield 8.25% 9.47% 8.11%
Free cash flow yield 2.13% 8.56% 8.98%

Profitability

Metric FCCO FDBC Banks Regional median
Gross margin 70.81% 68.19% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.32% 21.12% 18.66%
Free cash flow margin 5.21% 19.34% 21.18%
Return on equity 12.06% 13.00% 10.64%
Return on assets 1.05% 1.08% 1.13%
Return on invested capital 24.59% 44.07% 8.33%

Growth

Metric FCCO FDBC Banks Regional median
Revenue growth (TTM) 15.93% 8.42% 6.61%
EPS growth (last fiscal year) 36.46% 35.00% —
Revenue growth, 5-year CAGR 14.65% 16.95% 12.30%
Net income growth, 5-year CAGR 13.72% 16.69% 9.71%

Health

Metric FCCO FDBC Banks Regional median
Debt to equity 0.07 0.02 0.22
Current ratio 0.82 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCCO FDBC Banks Regional median
Dividend yield 3.38% 3.15% 3.75%
Payout ratio 0.28 0.29 0.27

Size

Metric FCCO FDBC Banks Regional median
Market cap 306.90m 317.78m 921.07m

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