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MVBF vs FDBC // PIOTROSKI F-SCORE QUALITY

MVB Financial Corp. (NASDAQ) VS. Fidelity D & D Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: MVBF 1 — FDBC 4
■ METRIC PARITY
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MVBF VS. FDBC) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC MVBF FDBC SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) 0.00% 11.80% -11.80 FDBC /roic <GO>
EV/EBITDA & P/E Valuation — — — TIE /valuation <GO>
Free Cash Flow Yield 0.55% 6.49% -5.94 FDBC /fcf-yield <GO>
Operating Margin — — — TIE /operating-margins <GO>
Net Profit Margin — — — TIE /net-margins <GO>
Revenue Growth (YoY) — — — TIE /revenue-growth <GO>
Dividend Yield & FCF Payout Safety 2.26% 2.46% -0.20 FDBC /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality ACTIVE 5/9 5/9 0.00 TIE /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 22.6 75.5 -52.93 FDBC /rsi-technicals <GO>
10Y Yield & FRED Macro Beta — — — TIE /macro-sensitivity <GO>
Forward P/E Multiple — 12.6x — TIE /forward-pe <GO>
Enterprise Scale & Market Cap $385.7M $382.4M $3.3M MVBF /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR MVBF REV FDBC REV MVBF GROSS % FDBC GROSS % MVBF FCF FDBC FCF
FY 2025 $0 $0 — — $2.1M $24.8M
FY 2024 $0 $0 — — -$1.9M $24.9M
FY 2023 $0 $0 — — $58.2M $29.7M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MVBF // BETA —
FDBC // BETA —