Comparing 1st Capital Bank (OTCMKTS:FISB) and Fidelity D&D Bancorp (OTCMKTS:FDBC)

1st Capital Bank (OTCMKTS:FISB) and Fidelity D&D Bancorp (NASDAQ:FDBC) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, profitability, dividends, risk, analyst recommendations, earnings and institutional ownership.

Institutional and Insider Ownership

5.3% of 1st Capital Bank shares are held by institutional investors. Comparatively, 11.7% of Fidelity D&D Bancorp shares are held by institutional investors. 26.6% of Fidelity D&D Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares 1st Capital Bank and Fidelity D&D Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1st Capital Bank N/A N/A N/A
Fidelity D&D Bancorp 25.61% 12.03% 1.18%

Dividends

Fidelity D&D Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 1.8%. 1st Capital Bank does not pay a dividend.

Analyst Recommendations

This is a summary of recent recommendations and price targets for 1st Capital Bank and Fidelity D&D Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1st Capital Bank 0 0 0 0 N/A
Fidelity D&D Bancorp 0 0 0 0 N/A

Volatility and Risk

1st Capital Bank has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500. Comparatively, Fidelity D&D Bancorp has a beta of 0.24, meaning that its stock price is 76% less volatile than the S&P 500.

Earnings & Valuation

This table compares 1st Capital Bank and Fidelity D&D Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
1st Capital Bank $20.92 million 4.07 $2.85 million N/A N/A
Fidelity D&D Bancorp $44.53 million 5.04 $11.01 million N/A N/A

Fidelity D&D Bancorp has higher revenue and earnings than 1st Capital Bank.

Summary

Fidelity D&D Bancorp beats 1st Capital Bank on 9 of the 10 factors compared between the two stocks.

About 1st Capital Bank

1st Capital Bank provides various banking products and services to businesses, professionals, real estate investors, family commercial entities, and individuals in the central coast region of California. Its deposit products include personal and business checking, savings, money market, and certificates of deposit accounts, as well as individual retirement accounts and health savings accounts. The company also offers business loans and lines of credit, such as long term loans for fixed-asset purchases and permanent working capital, asset-based lines of credit to cover accounts receivables and inventory, short term lines of credit to support short-term seasonal working capital needs or inventory purchases, equipment financing, and acquisition financing; and commercial real estate loans comprising term loans for the purchase or refinance of commercial and multi-family residential properties; and personal loans for business owners. In addition, it provides agriculture and wine industry lending products, including long or short term loans for crops, orchards, winery, and vineyard development; real estate purchases or debt refinancing; machinery and equipment purchase; and building improvements, as well as lines of credit for seasonal needs. Further, the company offers small business administration and government guaranteed lending solutions; debit cards; cash management services that include ACH origination, online wire transfer, check reconciliation, merchant card, and remote deposit capture services; and remote check scanning, remote branch deposit, online banking, telephone banking, courier, electronic bill payment, mobile banking, and remote wire request services, as well as invests in securities. It operates through full service branch offices in Monterey, Salinas, King City, and San Luis Obispo, California. The company was incorporated in 2006 and is based in Salinas, California.

About Fidelity D&D Bancorp

Fidelity D & D Bancorp, Inc. operates as the holding company for The Fidelity Deposit and Discount Bank, a state chartered commercial bank that provides a range of banking, financial, and trust services to individuals, small businesses, and corporate customers primarily in Lackawanna and Luzerne counties in Pennsylvania. The company accepts various deposits products, such as demand, savings, clubs, interest and non-interest bearing checking, money market, and interest-bearing time and savings accounts, as well as short-and long-term time deposits or certificates of deposit. Its loan portfolio includes commercial and industrial loans, commercial real estate loans, consumer loans, and residential mortgage loans. The company also provides alternative financial and insurance products with asset management services. As of December 31, 2018, it operated 11 full-service banking offices. Fidelity D & D Bancorp, Inc. was founded in 1903 and is headquartered in Dunmore, Pennsylvania.

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