Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $277.76M
• Dividend Yield: 3.32%
• Average Volume (3M): 8.00K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.79
• Revenue Growth: 18.46%
• EPS Growth: 32.78%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.03
• Shares Outstanding: 5,767,500
• 10 Day Avg. Volume: 14,529
• 30 Day Avg. Volume: 7,995
• PEG Ratio: 2.41
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.15
• Enterprise Value/Market Cap: 0.14
• Enterprise Value/Revenue: 0.08
• Enterprise Value/Gross Profit: 0.47
• Enterprise Value/Ebitda: 0.35
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• 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 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 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

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

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

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.

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	79.92M	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: Positive
• Last Price: 48.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	81 Outperform	$316.97M	9.25	16.93%	2.53%	10.64%	3.48%
BWFG	77 Outperform	$299.19M	24.18	4.48%	2.11%	-0.04%	-58.92%
LNKB	77 Outperform	$276.28M	7.66	12.74%	4.06%	77.09%	―
TSBK	76 Outperform	$252.76M	9.88	10.54%	3.25%	12.28%	5.73%
FDBC	73 Outperform	$277.76M	12.81	10.77%	3.32%	18.46%	32.78%
WSBF	69 Neutral	$267.06M	13.82	5.50%	4.29%	5.89%	96.63%
Sector *	64 Neutral	$6.48B	11.45	7.19%	225.06%	23.75%	4.96%