Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $257.45M
• Dividend Yield: 3.67%
• Average Volume (3M): 8.40K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.84
• Revenue Growth: 19.27%
• EPS Growth: 49.15%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 1.20
• Shares Outstanding: 5,767,302
• 10 Day Avg. Volume: 6,108
• 30 Day Avg. Volume: 8,397
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 2.58
• Enterprise Value/Gross Profit: 4.04
• Enterprise Value/Ebitda: 7.80
• 1Y Price Target: $47.00
• Price Target Upside: 7.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: $47.00 ▲(7.67% Upside)

Fidelity D & D Bancorp's strong financial performance is the primary driver of its overall score, supported by solid revenue growth and profitability. The stock's valuation is attractive with a fair P/E ratio and a good dividend yield. However, technical analysis suggests mixed signals, with potential medium-term resistance. The absence of earnings call and corporate events data limits further insights.

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 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. Overall, the company is well-positioned for continued growth in the regional banking sector.

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	96.92M	125.08M	104.56M	93.89M	80.12M	60.70M
Gross Profit	61.94M	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	6.14M	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: 43.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 43.65 is above the 20-day moving average (MA) of 42.30, above the 50-day MA of 43.17, and below the 200-day MA of 43.83, indicating a neutral trend. The MACD of 0.73 indicates Negative momentum. The RSI at 52.25 is Neutral, neither overbought nor oversold. The STOCH value of 55.19 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
PLBC	77 Outperform	$301.44M	8.86	16.24%	2.70%	6.48%	1.42%
TSBK	77 Outperform	$262.98M	9.83	10.87%	3.05%	9.16%	12.12%
LNKB	74 Outperform	$272.63M	7.32	13.14%	4.08%	39.91%	―
BWFG	74 Outperform	$332.89M	16.46	7.29%	1.89%	0.75%	-12.45%
FDBC	73 Outperform	$257.45M	11.02	11.47%	3.67%	19.27%	49.15%
Sector *	68 Neutral	$17.90B	11.92	10.28%	3.72%	9.73%	1.69%
WSBF	64 Neutral	$280.00M	12.84	6.12%	4.00%	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.