GBank Financial (NASDAQ:GBFH – Get Free Report) and Fidelity D&D Bancorp (NASDAQ:FDBC – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, dividends, analyst recommendations, valuation, profitability and earnings.
Institutional and Insider Ownership
20.0% of Fidelity D&D Bancorp shares are owned by institutional investors. 32.4% of GBank Financial shares are owned by insiders. Comparatively, 20.7% of Fidelity D&D Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares GBank Financial and Fidelity D&D Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| GBank Financial | 15.44% | 14.42% | 1.75% |
| Fidelity D&D Bancorp | 21.12% | 12.67% | 1.08% |
Risk & Volatility
GBank Financial has a beta of 0.07, indicating that its share price is 93% less volatile than the S&P 500. Comparatively, Fidelity D&D Bancorp has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and target prices for GBank Financial and Fidelity D&D Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| GBank Financial | 0 | 2 | 4 | 0 | 2.67 |
| Fidelity D&D Bancorp | 0 | 0 | 1 | 0 | 3.00 |
GBank Financial currently has a consensus price target of $37.33, indicating a potential upside of 110.33%. Given GBank Financial’s higher probable upside, analysts clearly believe GBank Financial is more favorable than Fidelity D&D Bancorp.
Valuation & Earnings
This table compares GBank Financial and Fidelity D&D Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| GBank Financial | $79.73 million | 3.23 | $20.93 million | $1.28 | 13.87 |
| Fidelity D&D Bancorp | $98.01 million | 3.43 | $28.20 million | $5.25 | 11.02 |
Fidelity D&D Bancorp has higher revenue and earnings than GBank Financial. Fidelity D&D Bancorp is trading at a lower price-to-earnings ratio than GBank Financial, indicating that it is currently the more affordable of the two stocks.
Summary
Fidelity D&D Bancorp beats GBank Financial on 8 of the 14 factors compared between the two stocks.
About GBank Financial
GBank Financial Holdings Inc. operates as a bank holding company for GBank which provides banking services to commercial and consumer customers principally in Nevada. The company offers business and personal checking and savings accounts. GBank Financial Holdings Inc. is based in Las Vegas, Nevada.
About Fidelity D&D Bancorp
Fidelity D&D Bancorp, Inc. is a holding company, which engages in the provision of commercial banking services. It operates through the following segments: Commercial and Industrial, Commercial Real Estate, Consumer, and Residential Real Estate. The Commercial and Industrial segment refers to identified historic and/or the projected cash flows of the borrower and secondarily to the underlying collateral provided by the borrower. The Commercial Real Estate segment offers finances purchase of real estate, refinance existing obligations, and/or to provide capital. The Consumer segment includes home equity installment loans and lines of credit. The Residential Real Estate segment operates as a secured first lien position of the borrower’s residential real estate. The company was founded in 1902 and is headquartered in Dunmore, PA.
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