Fidelity D & D Bancorp (NASDAQ:FDBC) and California International Bank, N.A. (OTCMKTS:CAIB) Financial Comparison

Earnings and Valuation

This table compares California International Bank, N.A. 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
California International Bank, N.A.	$4.85 million	2.64	N/A	N/A	N/A
Fidelity D & D Bancorp	$79.92 million	2.88	$20.79 million	$3.61	10.92

Fidelity D & D Bancorp has higher revenue and earnings than California International Bank, N.A..

Profitability

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

	Net Margins	Return on Equity	Return on Assets
California International Bank, N.A.	N/A	N/A	N/A
Fidelity D & D Bancorp	16.50%	10.49%	0.82%

Risk & Volatility

California International Bank, N.A. has a beta of -0.76, meaning that its stock price is 176% less volatile than the S&P 500. Comparatively, Fidelity D & D Bancorp has a beta of 0.66, meaning that its stock price is 34% less volatile than the S&P 500.

Insider and Institutional Ownership

20.0% of Fidelity D & D Bancorp shares are owned by institutional investors. 21.0% of Fidelity D & D Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Fidelity D & D Bancorp beats California International Bank, N.A. on 8 of the 8 factors compared between the two stocks.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.

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.