Fidelity D & D Bancorp Inc (FDBC)
NASDAQ:FDBC
Want to see FDBC full AI Analyst Report?
Top Page
Fidelity D & D Bancorp
(NASDAQ:FDBC)
Select Model
Select Model
Rating:81Outperform
Price Target:
$53.00
â–²(9.62% Upside)
Action:ReiteratedDate:04/28/26
The score is driven primarily by strong financial fundamentals (notably the materially de-levered balance sheet) and attractive valuation (low P/E with a ~3.6% dividend yield). Technicals are supportive with price above key moving averages, though short-term momentum signals are somewhat stretched. Corporate events are modestly positive but not clearly financial-impacting based on the information provided.
Positive Factors
De-levered balance sheet
A materially lower debt-to-equity ratio and larger equity base materially improve loss-absorption capacity and regulatory headroom. This durable capital strength reduces refinancing risk, supports conservative growth and dividend capacity, and increases resilience across economic cycles.
Negative Factors
Volatile cash flow history
Intermittent negative free cash flow and historical swings reduce predictability of internally generated funding. That volatility can constrain the bank's ability to consistently fund loan growth, absorb shocks, or maintain a steady dividend policy without tapping external capital.
Read all positive and negative factors
Positive Factors
Negative Factors
De-levered balance sheet
A materially lower debt-to-equity ratio and larger equity base materially improve loss-absorption capacity and regulatory headroom. This durable capital strength reduces refinancing risk, supports conservative growth and dividend capacity, and increases resilience across economic cycles.
Read all positive factors
Fidelity D & D Bancorp (FDBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$269.89M
Dividend Yield3.61%
Average Volume (3M)8.25K
Price to Earnings (P/E)8.4
Beta (1Y)0.76
Revenue Growth10.74%
EPS Growth35.82%
CountryUS
Employees289
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.28
Shares Outstanding5,878,757
10 Day Avg. Volume6,380
30 Day Avg. Volume8,249
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.05
Price to Sales (P/S)1.79
P/FCF Ratio10.14
Enterprise Value/Market Cap0.41
Enterprise Value/Revenue0.80
Enterprise Value/Gross Profit1.21
Enterprise Value/Ebitda2.88
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 acc...
How the Company Makes Money
FDBC makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest and fees collected on interest-earning assets (such as commercial re...
Fidelity D & D Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
73
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 140.40M | 125.08M | 104.56M | 93.89M | 79.77M |
| Gross Profit | 91.96M | 79.42M | 72.34M | 87.02M | 78.30M |
| EBITDA | 38.64M | 29.54M | 25.96M | 40.72M | 33.43M |
| Net Income | 28.20M | 20.79M | 18.21M | 30.02M | 24.01M |
Balance Sheet | |||||
| Total Assets | 2.75B | 2.58B | 2.50B | 2.38B | 2.42B |
| Cash, Cash Equivalents and Short-Term Investments | 323.80M | 414.81M | 455.99M | 449.95M | 835.86M |
| Total Debt | 16.87M | 16.99M | 134.12M | 31.03M | 21.57M |
| Total Liabilities | 2.51B | 2.38B | 2.31B | 2.22B | 2.21B |
| Stockholders Equity | 238.86M | 203.97M | 189.48M | 162.95M | 211.73M |
Cash Flow | |||||
| Free Cash Flow | 24.82M | 24.90M | 22.74M | 43.91M | 4.68M |
| Operating Cash Flow | 42.36M | 29.56M | 29.69M | 49.43M | 7.20M |
| Investing Cash Flow | -95.25M | -113.59M | -35.27M | -115.39M | -303.24M |
| Financing Cash Flow | 117.60M | 55.43M | 88.44M | -1.82M | 323.57M |
Fidelity D & D Bancorp Technical Analysis
Positive
48.35
Price Trends
44.65
Positive
44.48
Positive
43.66
Positive
Market Momentum
0.30
Negative
56.89
Neutral
68.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDBC, the sentiment is Positive. The current price of 48.35 is above the 20-day moving average (MA) of 44.23, above the 50-day MA of 44.65, and above the 200-day MA of 43.66, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 56.89 is Neutral, neither overbought nor oversold. The STOCH value of 68.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FDBC.
Fidelity D & D Bancorp Risk Analysis
Fidelity D & D Bancorp disclosed 35 risk factors in its most recent earnings report. Fidelity D & D Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Fidelity D & D Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $269.89M | 8.39 | 12.75% | 3.61% | 10.74% | 35.82% | |
76 Outperform | $356.15M | 7.02 | 13.00% | 2.84% | 11.79% | 45.64% | |
72 Outperform | $285.24M | 13.53 | 7.25% | 2.18% | 6.84% | 66.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $318.45M | 7.06 | 7.33% | 2.40% | -5.59% | -20.05% | |
57 Neutral | $300.58M | 16.79 | 8.45% | 2.13% | 8.94% | 37.35% |
* Financial Sector Average
FDBC
Fidelity D & D Bancorp
45.91
6.27
15.83%
PKBK
Parke Bancorp
30.36
11.64
62.20%
WNEB
Western New England Bancorp
14.08
4.84
52.40%
CHMG
Chemung Financial
66.09
21.05
46.72%
ISBA
Isabella Bank
40.99
15.23
59.14%
Fidelity D & D Bancorp Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Fidelity D & D Bancorp Updates Corporate Governance Bylaws
Positive
Apr 27, 2026
On April 21, 2026, Fidelity D D Bancorp’s board approved amended and restated bylaws to align the company’s governance framework with updates to Pennsylvania’s Business Corporation Law. The revisions modernize the registered off...
Business Operations and StrategyExecutive/Board Changes
Fidelity D & D Bancorp Appoints New Chief Lending Officer
Positive
Feb 5, 2026
On February 5, 2026, Fidelity Bank announced that Peter A. Gray has joined its executive management team as Executive Vice President, Chief Lending Officer and Market President for the Lehigh Valley, bringing more than 20 years of community bankin...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.