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Fidelity D & D Bancorp Inc (FDBC)
NASDAQ:FDBC
US Market

Fidelity D & D Bancorp (FDBC) AI Stock Analysis

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Fidelity D & D Bancorp

(NASDAQ:FDBC)

Rating:73Outperform
Price Target:
$54.00
▲(12.29%Upside)
Fidelity D & D Bancorp's strong financial performance and fair valuation are the primary strengths, indicating robust financial health and stability. However, technical indicators suggest the stock may be temporarily overbought, which could lead to short-term volatility. Investors may find value in its attractive dividend yield and solid growth prospects in the regional banking sector.

Fidelity D & D Bancorp (FDBC) vs. SPDR S&P 500 ETF (SPY)

Fidelity D & D Bancorp Business Overview & Revenue Model

Company DescriptionFidelity 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 MoneyFidelity 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 shows strong financial performance with substantial revenue growth and profitability. The balance sheet is robust with no debt, while cash flow metrics indicate stability. However, efficiency improvements are needed as cash flow growth is stagnant.
Income Statement
85
Very Positive
Fidelity D & D Bancorp has demonstrated a strong financial performance with a significant revenue growth rate of 47.23% from 2023 to 2024, coupled with a robust EBIT margin of 97.30%. The net profit margin also shows healthy profitability at 19.43% in 2024. However, the lack of EBITDA data for 2024 limits the analysis of operating profitability.
Balance Sheet
78
Positive
The company maintains a strong balance sheet with a zero debt-to-equity ratio as of 2024, indicating no leverage risk. The return on equity improved to 10.19% in 2024, reflecting efficient use of equity capital. The equity ratio of 7.89% suggests a conservative capital structure but highlights lower equity relative to total assets.
Cash Flow
67
Positive
Cash flow stability is evident with consistent operating cash flow and a positive free cash flow to net income ratio of 1.42 in 2024. However, free cash flow growth is stagnant, and the operating cash flow to net income ratio has slightly decreased, indicating potential efficiency challenges.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue127.57M125.08M104.56M93.89M80.12M60.70M
Gross Profit81.26M79.92M72.34M87.02M78.30M53.74M
EBITDA30.89M29.54M25.96M40.72M33.43M19.82M
Net Income21.73M20.79M18.21M30.02M24.01M13.04M
Balance Sheet
Total Assets2.71B2.58B2.50B2.38B2.42B1.70B
Cash, Cash Equivalents and Short-Term Investments397.70M414.81M455.99M449.95M835.86M461.77M
Total Debt17.43M16.99M134.12M31.03M21.57M12.94M
Total Liabilities2.50B2.38B2.31B2.22B2.21B1.53B
Stockholders Equity211.67M203.97M189.48M162.95M211.73M166.67M
Cash Flow
Free Cash Flow32.38M24.90M22.74M43.91M4.68M-1.09M
Operating Cash Flow35.91M29.56M29.69M49.43M7.20M296.00K
Investing Cash Flow-104.20M-113.59M-35.27M-115.39M-303.24M-164.24M
Financing Cash Flow206.75M55.43M88.44M-1.82M323.57M217.63M

Fidelity D & D Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price48.09
Price Trends
50DMA
41.84
Positive
100DMA
41.96
Positive
200DMA
45.60
Positive
Market Momentum
MACD
1.80
Negative
RSI
69.05
Neutral
STOCH
83.00
Negative
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 48.09 is above the 20-day moving average (MA) of 43.43, above the 50-day MA of 41.84, and above the 200-day MA of 45.60, indicating a bullish trend. The MACD of 1.80 indicates Negative momentum. The RSI at 69.05 is Neutral, neither overbought nor oversold. The STOCH value of 83.00 is Negative, 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 34 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
$316.97M9.2516.93%2.53%10.64%3.48%
77
Outperform
$299.19M24.184.48%2.11%-0.04%-58.92%
77
Outperform
$276.28M7.6612.74%4.06%77.09%
76
Outperform
$252.76M9.8810.54%3.25%12.28%5.73%
73
Outperform
$277.76M12.8110.77%3.32%18.46%32.78%
69
Neutral
$267.06M13.825.50%4.29%5.89%96.63%
64
Neutral
$6.48B11.457.19%225.06%23.75%4.96%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FDBC
Fidelity D & D Bancorp
48.09
7.37
18.10%
PLBC
Plumas Bancorp
45.98
11.87
34.80%
TSBK
Timberland Bancorp
32.11
7.12
28.49%
WSBF
Waterstone Financial
13.88
1.58
12.85%
BWFG
Bankwell Financial Group
37.72
15.13
66.98%
LNKB
LINKBANCORP
7.60
1.60
26.67%
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.Date of analysis: Jul 05, 2025