Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $251.92M
• Dividend Yield: 3.58%
• Average Volume (3M): 8.25K
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.91
• Revenue Growth: 17.98%
• EPS Growth: 68.20%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 5,767,302
• 10 Day Avg. Volume: 6,380
• 30 Day Avg. Volume: 8,249
• PEG Ratio: 1.03
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 2.24
• P/FCF Ratio: 11.24
• Enterprise Value/Market Cap: 0.99
• Enterprise Value/Revenue: 1.90
• Enterprise Value/Gross Profit: 2.95
• Enterprise Value/Ebitda: 7.80
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: $48.00 ▲(9.89% Upside)

Fidelity D & D Bancorp's strong financial performance is the most significant factor, supported by solid profitability and cash generation capabilities. The valuation is attractive with a low P/E ratio and a good dividend yield. Technical analysis indicates neutral momentum, but potential overbought conditions warrant caution. Overall, the stock presents a balanced investment opportunity with strengths in financial health and valuation.

Fidelity D & D Bancorp Business Overview & Revenue Model

Company Description

Fidelity D & D Bancorp, Inc. is a financial holding company based in Dunmore, Pennsylvania, primarily engaged in providing a wide range of banking and financial services through its wholly-owned subsidiary, Fidelity Deposit and Discount Bank. The company operates in the banking sector, offering services such as personal and commercial banking, mortgage lending, investment management, and insurance products. Its focus is on serving both individual and business customers in its local communities, with an emphasis on delivering personalized service and tailored financial solutions.

How the Company Makes Money

Fidelity D & D Bancorp generates revenue through several key streams primarily associated with its banking operations. These include net interest income, which is earned from the difference between interest earned on loans and interest paid on deposits. The bank offers various loan products, including commercial loans, consumer loans, and mortgages, which contribute significantly to its interest income. Additionally, the company generates non-interest income through fees for services such as ATM usage, account maintenance, and transaction processing. Fidelity D & D Bancorp also earns revenue from its investment services, where it provides wealth management and investment advisory services to clients. Partnerships with local businesses and community organizations enhance its market presence and customer base, further contributing to its revenue growth.

Fidelity D & D Bancorp Financial Statement Overview

Summary

Fidelity D & D Bancorp demonstrates strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is well-managed, with low leverage enhancing financial stability. Cash flows are healthy, though some variability in cash management exists.

Income Statement

Fidelity D & D Bancorp shows strong revenue growth with a notable increase from $93.89M in 2022 to $127.57M in TTM 2025, indicating a healthy expansion. Gross profit margin remains solid above 60%, suggesting efficient cost management. Net profit margin improved from 24.4% in 2022 to 17% in TTM 2025, though a slight decline in EBIT and EBITDA margins in TTM suggests some operational challenges.

Balance Sheet

The company's balance sheet is stable, with a low debt-to-equity ratio of 0.08 in TTM 2025, underlining low leverage and financial prudence. Return on equity increased to 10.3% in TTM 2025 from 11.4% in 2022, indicating effective utilization of equity. However, equity ratio decreased slightly, suggesting a slight increase in liabilities relative to assets.

Cash Flow

Cash flow analysis shows robust operating cash flow to net income ratio of 1.65 in TTM 2025, indicating strong cash generation. Free cash flow increased significantly, supporting growth initiatives. However, large fluctuations in investing and financing cash flows may signal underlying volatility in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	131.74M	125.08M	104.56M	93.89M	80.12M	60.70M
Gross Profit	84.92M	79.42M	72.34M	87.02M	78.30M	53.74M
EBITDA	32.07M	29.54M	25.96M	40.72M	33.43M	19.82M
Net Income	23.71M	20.79M	18.21M	30.02M	24.01M	13.04M
Balance Sheet
Total Assets	2.70B	2.58B	2.50B	2.38B	2.42B	1.70B
Cash, Cash Equivalents and Short-Term Investments	711.32M	414.81M	455.99M	449.95M	835.86M	461.77M
Total Debt	17.26M	16.99M	134.12M	31.03M	21.57M	12.94M
Total Liabilities	2.48B	2.38B	2.31B	2.22B	2.21B	1.53B
Stockholders Equity	217.91M	203.97M	189.48M	162.95M	211.73M	166.67M
Cash Flow
Free Cash Flow	37.92M	24.90M	22.74M	43.91M	4.68M	-1.09M
Operating Cash Flow	39.80M	29.56M	29.69M	49.43M	7.20M	296.00K
Investing Cash Flow	-110.64M	-113.59M	-35.27M	-115.39M	-303.24M	-164.24M
Financing Cash Flow	158.25M	55.43M	88.44M	-1.82M	323.57M	217.63M

Fidelity D & D Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 43.68
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDBC, the sentiment is Neutral. The current price of 43.68 is above the 20-day moving average (MA) of 43.46, below the 50-day MA of 44.20, and above the 200-day MA of 42.51, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 49.78 is Neutral, neither overbought nor oversold. The STOCH value of 39.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FDBC.

Fidelity D & D Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MBCN	―	$266.22M	12.45	9.73%	2.56%	7.13%	48.87%
FDBC	―	$251.92M	9.69	11.95%	3.58%	17.98%	68.20%
ISBA	―	$264.07M	16.41	8.27%	3.13%	7.29%	33.63%
PKBK	―	$256.02M	7.62	11.15%	3.33%	12.91%	21.72%
WNEB	―	$232.99M	17.40	5.51%	2.47%	7.37%	27.35%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CHMG	―	$242.76M	18.14	5.74%	2.55%	-6.25%	-38.27%

Fidelity D & D Bancorp Corporate Events

Fidelity D & D Bancorp Reports Strong Q3 2025 Results

Fidelity D & D Bancorp, Inc. is a financial services company operating primarily in the banking sector, providing a range of personal and commercial banking products and services through its subsidiary, The Fidelity Deposit and Discount Bank, across several counties in Pennsylvania.

Fidelity D & D Bancorp Announces Board Member Retirement

On September 17, 2025, Fidelity D & D Bancorp, Inc. announced the immediate retirement of Richard M. Hotchkiss from its Board of Directors. Hotchkiss, who joined the board in 2020 following a merger with MNB Corporation, played a significant role in shaping the bank’s governance and organizational structure. His departure is not due to any disagreements with the company, and he will continue to serve as Chair of the Lehigh Valley Advisory Board. The leadership praised his contributions and expressed gratitude for his dedicated service, noting the lasting impact of his leadership on the company.

The most recent analyst rating on (FDBC) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Fidelity D & D Bancorp stock, see the FDBC Stock Forecast page.