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

Dividends

Fidelity D&D Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 1.7%. Bancorp does not pay a dividend.

Insider & Institutional Ownership

79.6% of Bancorp shares are held by institutional investors. Comparatively, 11.5% of Fidelity D&D Bancorp shares are held by institutional investors. 11.8% of Bancorp shares are held by insiders. Comparatively, 26.6% of Fidelity D&D Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 0 0 0 0 N/A
Fidelity D&D Bancorp 0 0 0 0 N/A

Risk & Volatility

Bancorp has a beta of 1.3, suggesting that its stock price is 30% more volatile than the S&P 500. Comparatively, Fidelity D&D Bancorp has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Bancorp 29.70% 10.97% 0.97%
Fidelity D&D Bancorp 24.41% 12.42% 1.19%

Valuation and Earnings

This table compares Bancorp and Fidelity D&D Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp $301.76 million 1.81 $88.68 million $0.69 14.01
Fidelity D&D Bancorp $44.53 million 5.15 $11.01 million N/A N/A

Bancorp has higher revenue and earnings than Fidelity D&D Bancorp.

Summary

Fidelity D&D Bancorp beats Bancorp on 6 of the 11 factors compared between the two stocks.

Bancorp Company Profile

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, commercial, and retirement accounts. It also provides securities-backed lines of credit, vehicle fleet and other equipment leasing, small business administration loans, and commercial mortgage-backed loans, as well as prepaid and debit cards. In addition, it offers private label banking; credit and debit card payment processing for independent service organizations; institutional banking; and Internet banking services. The Bancorp, Inc. was founded in 1999 and is based in Wilmington, Delaware.

Fidelity D&D Bancorp Company Profile

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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