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Fidelity D&D Bancorp Inc. (FDBC) vs Primis Financial Corp. (FRST)

Fidelity D&D Bancorp Inc. and Primis Financial Corp. are both Banks Regional companies. Fidelity D&D Bancorp Inc. and Primis Financial Corp. are of similar size ($382.3M and $365.3M). Primis Financial Corp. trades at the lower P/E: 6.9× against 12.8×. Primis Financial Corp. grew revenue faster over the last twelve months: 13.2% against 8.42%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 17.0%) and the higher return on invested capital (44.1% vs 13.0%). Only Fidelity D&D Bancorp Inc. pays a dividend (3.22%). Across the 18 metrics below, Primis Financial Corp. leads on 12 and Fidelity D&D Bancorp Inc. on 6.

Valuation

Metric FDBC FRST Banks Regional median
P/E 12.83 6.94 12.46
P/S 2.75 1.19 2.41
P/B 1.57 0.86 1.26
Price to free cash flow 14.20 n/m 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.79% 14.40% 7.96%
Free cash flow yield 7.04% (11.29%) 8.80%

Profitability

Metric FDBC FRST Banks Regional median
Gross margin 68.19% 71.45% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 16.99% 18.88%
Free cash flow margin 19.34% (13.40%) 17.28%
Return on equity 13.00% 13.11% 10.43%
Return on assets 1.08% 1.29% 1.14%
Return on invested capital 44.07% 13.03% 8.47%

Growth

Metric FDBC FRST Banks Regional median
Revenue growth (TTM) 8.42% 13.18% 6.94%
EPS growth (last fiscal year) 35.00% 477.27% 18.88%
Revenue growth, 5-year CAGR 16.95% 18.77% 12.56%
Net income growth, 5-year CAGR 16.69% 21.74% 9.78%

Health

Metric FDBC FRST Banks Regional median
Debt to equity 0.02 0.16 0.20
Current ratio 0.85 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDBC FRST Banks Regional median
Dividend yield 3.22% 0.00% 2.64%
Payout ratio 0.42 0.00 0.32

Size

Metric FDBC FRST Banks Regional median
Market cap 382.32m 365.29m 910.32m

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