Fidelity D&D Bancorp Inc. (FDBC) vs USCB Financial Holdings, Inc. (USCB)

Fidelity D&D Bancorp Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Fidelity D&D Bancorp Inc. and USCB Financial Holdings, Inc. are of similar size ($382.3M and $367.1M). Fidelity D&D Bancorp Inc. trades at the lower P/E: 12.8× against 13.0×. Fidelity D&D Bancorp Inc. grew revenue faster over the last twelve months: 8.42% against 4.72%. Fidelity D&D Bancorp Inc. has the higher net margin (21.1% vs 18.1%) and the higher return on invested capital (44.1% vs 6.24%). Both pay a dividend; Fidelity D&D Bancorp Inc. yields more (3.22% vs 2.99%). Across the 19 metrics below, Fidelity D&D Bancorp Inc. leads on 12 and USCB Financial Holdings, Inc. on 7.

Valuation

Metric FDBC USCB Banks Regional median
P/E 12.83 13.05 12.46
P/S 2.75 2.32 2.41
P/B 1.57 1.58 1.26
Price to free cash flow 14.20 7.51 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.79% 7.67% 7.96%
Free cash flow yield 7.04% 13.32% 8.80%

Profitability

Metric FDBC USCB Banks Regional median
Gross margin 68.19% 61.02% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 18.05% 18.88%
Free cash flow margin 19.34% 30.84% 17.28%
Return on equity 13.00% 12.36% 10.43%
Return on assets 1.08% 1.00% 1.14%
Return on invested capital 44.07% 6.24% 8.47%

Growth

Metric FDBC USCB Banks Regional median
Revenue growth (TTM) 8.42% 4.72% 6.94%
EPS growth (last fiscal year) 35.00% 7.26% 18.88%
Revenue growth, 5-year CAGR 16.95% 20.96% 12.56%
Net income growth, 5-year CAGR 16.69% 27.68% 9.78%

Health

Metric FDBC USCB Banks Regional median
Debt to equity 0.02 1.20 0.20
Current ratio 0.85 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDBC USCB Banks Regional median
Dividend yield 3.22% 2.99% 2.64%
Payout ratio 0.42 0.39 0.32

Size

Metric FDBC USCB Banks Regional median
Market cap 382.32m 367.09m 910.32m

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