Fidelity D&D Bancorp Inc. (FDBC) vs Mvb Financial Corp. (MVBF)

Fidelity D&D Bancorp Inc. and Mvb Financial Corp. are both Banks Regional companies. Fidelity D&D Bancorp Inc. is the larger, with a market value of $382.3M against $330.3M — 1.2× the size. Mvb Financial Corp. trades at the lower P/E: 8.6× against 12.8×. Mvb Financial Corp. grew revenue faster over the last twelve months: 17.1% against 8.42%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 15.2%) and the higher return on invested capital (44.1% vs 37.5%). Both pay a dividend; Fidelity D&D Bancorp Inc. yields more (3.22% vs 2.58%). Across the 18 metrics below, Fidelity D&D Bancorp Inc. leads on 10 and Mvb Financial Corp. on 8.

Valuation

Metric FDBC MVBF Banks Regional median
P/E 12.83 8.63 12.46
P/S 2.75 1.33 2.41
P/B 1.57 0.98 1.26
Price to free cash flow 14.20 n/m 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.79% 11.59% 7.96%
Free cash flow yield 7.04% (10.85%) 8.80%

Profitability

Metric FDBC MVBF Banks Regional median
Gross margin 68.19% 73.61% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 15.19% 18.88%
Free cash flow margin 19.34% (14.38%) 17.28%
Return on equity 13.00% 12.00% 10.43%
Return on assets 1.08% 1.15% 1.14%
Return on invested capital 44.07% 37.46% 8.47%

Growth

Metric FDBC MVBF Banks Regional median
Revenue growth (TTM) 8.42% 17.05% 6.94%
EPS growth (last fiscal year) 35.00% 34.64% 18.88%
Revenue growth, 5-year CAGR 16.95% 6.46% 12.56%
Net income growth, 5-year CAGR 16.69% (6.12%) 9.78%

Health

Metric FDBC MVBF Banks Regional median
Debt to equity 0.02 0.16 0.20
Current ratio 0.85 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDBC MVBF Banks Regional median
Dividend yield 3.22% 2.58% 2.64%
Payout ratio 0.42 0.23 0.32

Size

Metric FDBC MVBF Banks Regional median
Market cap 382.32m 330.28m 910.32m

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