Critical Analysis: Fidelity D&D Bancorp (FDBC) & CBB BANCORP INC/SH (C…


Fidelity D&D Bancorp (NASDAQ:FDBC) and CBB BANCORP INC/SH (OTCMKTS:CBBI) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability and institutional ownership.

Volatility and Risk

Fidelity D&D Bancorp has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500. Comparatively, CBB BANCORP INC/SH has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500.

Institutional & Insider Ownership

10.7% of Fidelity D&D Bancorp shares are owned by institutional investors. 26.1% of Fidelity D&D Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Fidelity D&D Bancorp and CBB BANCORP INC/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Fidelity D&D Bancorp 24.72% 12.40% 1.19%
CBB BANCORP INC/SH 23.91% N/A N/A

Dividends

Fidelity D&D Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 1.8%. CBB BANCORP INC/SH does not pay a dividend.

Earnings & Valuation

This table compares Fidelity D&D Bancorp and CBB BANCORP INC/SH’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Fidelity D&D Bancorp $44.53 million 4.92 $11.01 million N/A N/A
CBB BANCORP INC/SH $69.68 million 1.91 $16.66 million N/A N/A

CBB BANCORP INC/SH has higher revenue and earnings than Fidelity D&D Bancorp.

Analyst Ratings

This is a breakdown of current ratings and price targets for Fidelity D&D Bancorp and CBB BANCORP INC/SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Fidelity D&D Bancorp 0 0 0 0 N/A
CBB BANCORP INC/SH 0 0 0 0 N/A

Summary

Fidelity D&D Bancorp beats CBB BANCORP INC/SH on 8 of the 11 factors compared between the two stocks.

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 loans. The company also provides alternative financial and insurance products with asset management services. As of December 31, 2017, it operated 10 full-service banking offices. Fidelity D & D Bancorp, Inc. was founded in 1903 and is headquartered in Dunmore, Pennsylvania.

About CBB BANCORP INC/SH

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.

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