Raiffeisen Bank International (OTCMKTS:RAIFY) and Fidelity D&D Bancorp (NASDAQ:FDBC) Head-To-Head Comparison

Fidelity D&D Bancorp (NASDAQ:FDBC) and Raiffeisen Bank International (OTCMKTS:RAIFY) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, analyst recommendations, earnings, dividends and profitability.

Dividends

Fidelity D&D Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 3.1%. Raiffeisen Bank International pays an annual dividend of $0.27 per share and has a dividend yield of 1.5%. Fidelity D&D Bancorp pays out 32.8% of its earnings in the form of a dividend. Raiffeisen Bank International pays out 12.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Fidelity D&D Bancorp has raised its dividend for 10 consecutive years. Fidelity D&D Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional & Insider Ownership

20.1% of Fidelity D&D Bancorp shares are owned by institutional investors. 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 stock will outperform the market over the long term.

Earnings & Valuation

This table compares Fidelity D&D Bancorp and Raiffeisen Bank International”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fidelity D&D Bancorp	$140.40 million	2.27	$28.20 million	$5.25	10.44
Raiffeisen Bank International	$14.76 billion	1.57	$1.55 billion	$2.10	8.43

Raiffeisen Bank International has higher revenue and earnings than Fidelity D&D Bancorp. Raiffeisen Bank International is trading at a lower price-to-earnings ratio than Fidelity D&D Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current recommendations and price targets for Fidelity D&D Bancorp and Raiffeisen Bank International, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fidelity D&D Bancorp	0	0	1	0	3.00
Raiffeisen Bank International	0	1	0	1	3.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Fidelity D&D Bancorp	21.12%	12.67%	1.08%
Raiffeisen Bank International	19.31%	10.94%	1.16%

Risk & Volatility

Fidelity D&D Bancorp has a beta of 0.83, indicating that its stock price is 17% less volatile than the S&P 500. Comparatively, Raiffeisen Bank International has a beta of 1.24, indicating that its stock price is 24% more volatile than the S&P 500.

Summary

Fidelity D&D Bancorp beats Raiffeisen Bank International on 10 of the 16 factors compared between the two stocks.

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.

About Raiffeisen Bank International

Raiffeisen Bank International AG, together with its subsidiaries, offers banking services to corporate, private customers, and institutional customers. The company offers cash management, cross border accounts, electronic banking, payments solutions, sustainable and subsidized financing, leveraged and acquisition financing, project and structured financing, real estate financing, leasing, factoring, trade and export financing, investment banking, investing, hedging, and investor services to its institutional clients and corporate customers in agri food and beverage, automotive, construction and building materials, food and beverage, healthcare and pharmaceuticals, oil and gas, packaging, real estate, retail, technology, telecom, and utilities industries. It also provides retail and private banking services, including deposits, loans, wealth management, and advisory services to retail customers and small and medium-sized enterprises. In addition, the company offers clearing, reporting, settlement, guarantees, letters of credit, fund administration, acceptances, brokerage, asset management, and custody services; and investment banking services, including asset based finance, fund finance and alternatives investments, loan syndication, mergers and acquisitions advisory, and debt and equity capital markets services. It operates through a network of business outlets in Central, Southeastern, and Eastern Europe, as well as Austria, Czech Republic, Hungary, Poland, and Slovakia. Raiffeisen Bank International AG was founded in 1886 and is based in Vienna, Austria.