Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $233.47M
• Dividend Yield: 3.97%
• Average Volume (3M): 15.55K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.88
• Revenue Growth: 19.28%
• EPS Growth: 49.15%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 1.20
• Shares Outstanding: 5,767,500
• 10 Day Avg. Volume: 6,755
• 30 Day Avg. Volume: 15,549
• 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: 0.45
• Enterprise Value/Revenue: 0.83
• Enterprise Value/Gross Profit: 1.30
• Enterprise Value/Ebitda: 3.43
• 1Y Price Target: $48.00
• Price Target Upside: 18.58% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: $48.00 ▲(18.58% Upside)

Fidelity D & D Bancorp's solid financial performance, driven by strong revenue and profitability, is the most significant factor. The stock's neutral technical position and reasonable valuation further support its overall attractiveness. Absence of earnings call and corporate events data does not affect the score.

Fidelity D & D Bancorp Business Overview & Revenue Model

Company Description

Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. The company accepts savings, clubs, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans. In addition, the company provides alternative financial and insurance products with asset management services. As of April 21, 2022, it operated 22 full-service banking offices in Lackawanna, Luzerne, and Northampton counties, Pennsylvania. Fidelity D & D Bancorp, Inc. was founded in 1902 and is headquartered in Dunmore, Pennsylvania.

How the Company Makes Money

Fidelity D & D Bancorp, Inc. makes money primarily through its banking operations. The company's key revenue streams include interest income from loans and advances extended to individuals and businesses, as well as interest earned on securities and other investments. Additionally, the bank generates non-interest income through fees and service charges associated with deposit accounts, trust and investment management services, and other financial services. The company also benefits from its local market presence and community relationships, which help in expanding its customer base and enhancing loyalty. Strategic partnerships and investments in technology to improve customer experience and operational efficiency further contribute to its earnings.

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	127.57M	125.08M	104.56M	93.89M	80.12M	60.70M
Gross Profit	81.26M	79.42M	72.34M	87.02M	78.30M	53.74M
EBITDA	30.89M	29.54M	25.96M	40.72M	33.43M	19.82M
Net Income	21.73M	20.79M	18.21M	30.02M	24.01M	13.04M
Balance Sheet
Total Assets	2.71B	2.58B	2.50B	2.38B	2.42B	1.70B
Cash, Cash Equivalents and Short-Term Investments	397.70M	414.81M	455.99M	449.95M	835.86M	461.77M
Total Debt	17.43M	16.99M	134.12M	31.03M	21.57M	12.94M
Total Liabilities	2.50B	2.38B	2.31B	2.22B	2.21B	1.53B
Stockholders Equity	211.67M	203.97M	189.48M	162.95M	211.73M	166.67M
Cash Flow
Free Cash Flow	32.38M	24.90M	22.74M	43.91M	4.68M	-1.09M
Operating Cash Flow	35.91M	29.56M	29.69M	49.43M	7.20M	296.00K
Investing Cash Flow	-104.20M	-113.59M	-35.27M	-115.39M	-303.24M	-164.24M
Financing Cash Flow	206.75M	55.43M	88.44M	-1.82M	323.57M	217.63M

Fidelity D & D Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 40.48
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDBC, the sentiment is Negative. The current price of 40.48 is below the 20-day moving average (MA) of 42.53, below the 50-day MA of 42.85, and below the 200-day MA of 44.92, indicating a bearish trend. The MACD of -1.09 indicates Positive momentum. The RSI at 37.56 is Neutral, neither overbought nor oversold. The STOCH value of 17.06 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FDBC.

Fidelity D & D Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	79 Outperform	$277.39M	8.24	16.24%	2.90%	6.48%	1.42%
BWFG	78 Outperform	$312.02M	15.36	7.29%	2.05%	0.75%	-12.02%
TSBK	77 Outperform	$247.55M	9.22	10.87%	3.28%	9.14%	12.12%
LNKB	73 Outperform	$256.48M	6.81	13.14%	4.44%	39.91%	―
FDBC	72 Outperform	$233.47M	9.87	11.47%	3.97%	19.28%	49.15%
Sector *	67 Neutral	$17.04B	11.60	9.79%	3.95%	10.64%	1.80%
WSBF	64 Neutral	$257.71M	11.91	6.12%	4.41%	1.46%	80.94%

Fidelity D & D Bancorp Corporate Events

Fidelity D & D Bancorp Announces Leadership Change

On July 11, 2025, Fidelity D & D Bancorp announced the upcoming retirement of Eugene J. Walsh from his positions as Vice President and Chief Operating Officer of the company, and Executive Vice President and Chief Operating Officer of its subsidiary, Fidelity Deposit and Discount Bank. Mr. Walsh’s retirement will be effective on July 25, 2025, marking a significant leadership change for the company.

Fidelity D & D Bancorp Announces Leadership Transition

On July 9, 2025, Fidelity D & D Bancorp, Inc. announced the transition of Michael J. Pacyna, Jr. from Executive Vice President and Chief Lending Officer to Executive Vice President and Chief Credit Officer of Fidelity Deposit and Discount Bank. This role change aims to leverage Mr. Pacyna’s strengths by expanding his responsibilities to include overseeing the Bank’s Credit, Credit Administration, Loan Operations, and Special Assets and Collections Departments, thereby streamlining operations and enhancing organizational efficiency.