Fvcbankcorp, Inc. (FVCB) vs QNB Corp. (QNBC)

Fvcbankcorp, Inc. and QNB Corp. are both Banks Regional companies. Fvcbankcorp, Inc. and QNB Corp. are of similar size ($293.8M and $291.4M). QNB Corp. has negative trailing earnings, so its P/E is not meaningful; Fvcbankcorp, Inc. trades at 10.9×. Fvcbankcorp, Inc. grew revenue faster over the last twelve months: 5.74% against −8.86%. Fvcbankcorp, Inc. has the higher net margin (0.00% vs −5.63%) and the higher return on invested capital (7.40% vs 0.00%). Both pay a dividend; QNB Corp. yields more (3.30% vs 1.66%). Across the 18 metrics below, Fvcbankcorp, Inc. leads on 14 and QNB Corp. on 4.

Valuation

Metric FVCB QNBC Banks Regional median
P/E 10.87 n/m 12.02
P/S 2.33 2.91 2.36
P/B 1.09 1.15 1.23
Price to free cash flow 9.83 10.82 10.60
EV/EBITDA — n/m —
EV/Sales — 1.81 —
Earnings yield 9.20% (0.53%) 8.21%
Free cash flow yield 10.18% 9.24% 9.23%

Profitability

Metric FVCB QNBC Banks Regional median
Gross margin 58.99% 51.09% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% (5.63%) 18.82%
Free cash flow margin 0.00% 26.92% 17.97%
Return on equity 10.38% (2.88%) 10.28%
Return on assets 1.16% (0.24%) 1.13%
Return on invested capital 7.40% 0.00% 8.45%

Growth

Metric FVCB QNBC Banks Regional median
Revenue growth (TTM) 5.74% (8.86%) 6.37%
EPS growth (last fiscal year) 47.56% 21.15% 18.85%
Revenue growth, 5-year CAGR 11.76% 14.19% 12.65%
Net income growth, 5-year CAGR 7.31% 3.12% 9.81%

Health

Metric FVCB QNBC Banks Regional median
Debt to equity 0.09 0.00 0.17
Current ratio 1.03 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FVCB QNBC Banks Regional median
Dividend yield 1.66% 3.30% 2.49%
Payout ratio 0.18 0.46 0.29

Size

Metric FVCB QNBC Banks Regional median
Market cap 293.78m 291.40m 934.85m

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