Fidelity D&D Bancorp Inc. (FDBC) vs NewtekOne, Inc. (NEWT)

Fidelity D&D Bancorp Inc. and NewtekOne, Inc. are both Banks Regional companies. Fidelity D&D Bancorp Inc. and NewtekOne, Inc. are of similar size ($326.4M and $317.8M). NewtekOne, Inc. trades at the lower P/E: 5.0× against 10.6×. NewtekOne, Inc. grew revenue faster over the last twelve months: 11.7% 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 5.17%). Both pay a dividend; NewtekOne, Inc. yields more (6.44% vs 3.15%). Across the 21 metrics below, NewtekOne, Inc. leads on 11 and Fidelity D&D Bancorp Inc. on 10.

Valuation

Metric FDBC NEWT Banks Regional median
P/E 10.56 5.03 12.15
P/S 2.26 0.79 2.37
P/B 1.29 0.88 1.21
Price to free cash flow 11.68 n/m 10.80
EV/EBITDA n/m 12.33 —
EV/Sales 0.86 7.37 2.27
Earnings yield 9.47% 19.89% 8.11%
Free cash flow yield 8.56% (230.43%) 8.98%

Profitability

Metric FDBC NEWT Banks Regional median
Gross margin 68.19% 100.00% 69.57%
Operating margin 0.00% 62.85% 0.00%
Net margin 21.12% 15.20% 18.66%
Free cash flow margin 19.34% (181.88%) 21.18%
Return on equity 13.00% 18.79% 10.64%
Return on assets 1.08% 2.33% 1.13%
Return on invested capital 44.07% 5.17% 8.33%

Growth

Metric FDBC NEWT Banks Regional median
Revenue growth (TTM) 8.42% 11.71% 6.61%
EPS growth (last fiscal year) 35.00% 11.22% —
Revenue growth, 5-year CAGR 16.95% 32.97% 12.30%
Net income growth, 5-year CAGR 16.69% 11.59% 9.71%

Health

Metric FDBC NEWT Banks Regional median
Debt to equity 0.02 6.54 0.22
Current ratio 0.85 0.65 0.94
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric FDBC NEWT Banks Regional median
Dividend yield 3.15% 6.44% 3.75%
Payout ratio 0.29 1.55 0.27

Size

Metric FDBC NEWT Banks Regional median
Market cap 317.78m 326.40m 921.07m

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