Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $280.98M
• Dividend Yield: 3.28%
• Average Volume (3M): 8.25K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.73
• Revenue Growth: 17.97%
• EPS Growth: 68.34%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 5,767,286
• 10 Day Avg. Volume: 6,380
• 30 Day Avg. Volume: 8,249
• 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: 0.89
• Enterprise Value/Revenue: 1.85
• Enterprise Value/Gross Profit: 2.83
• Enterprise Value/Ebitda: 6.91
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $49.00 ▼(-1.45% Downside)

Fidelity D & D Bancorp's strong financial performance and attractive valuation are the primary drivers of its score. The technical analysis presents a neutral outlook, while the recent corporate event is positive but not impactful enough to significantly influence the score.

Positive Factors

Strong Cash Generation

Strong cash generation supports operational and strategic initiatives, providing financial flexibility and stability for long-term growth.

Low Leverage

Minimal leverage enhances financial stability and reduces risk, allowing the company to navigate economic fluctuations more effectively.

Risk Management Enhancement

Strengthened risk management framework can mitigate competitive, regulatory, and technological risks, ensuring secure financial solutions.

Negative Factors

Modest Return on Equity

Low ROE indicates the company may not be using its equity base efficiently to generate profits, potentially impacting investor returns.

Slower Revenue Growth

Slower revenue growth could indicate challenges in expanding market share or product adoption, affecting long-term competitive positioning.

Board Member Retirement

Loss of experienced leadership may impact governance and strategic direction, potentially affecting long-term organizational stability.

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 primarily through interest income from loans and securities, as well as non-interest income from various banking services. Key revenue streams include interest earned on commercial and consumer loans, residential mortgages, and investment securities. Additionally, the company earns fees from services such as account maintenance, ATM usage, and wealth management. The bank's strong community presence and focus on customer service foster customer loyalty, which contributes to a stable deposit base and lower funding costs. Significant partnerships may include collaborations with local businesses and organizations that enhance its service offerings and attract new clients.

Fidelity D & D Bancorp Financial Statement Overview

Summary

Fidelity D & D Bancorp shows strong financial performance with consistent revenue growth and solid profitability margins. The balance sheet is stable with low leverage, and cash flow metrics indicate strong cash generation capabilities. However, there is room for improvement in return on equity and attention is needed for historical volatility in free cash flow growth.

Income Statement

Fidelity D & D Bancorp demonstrates strong revenue growth with a TTM revenue growth rate of 3.27%. The company maintains robust profitability metrics, with a gross profit margin of 65.49% and a net profit margin of 26.16% in the TTM. EBIT and EBITDA margins are also healthy at 30.68% and 33.48%, respectively, indicating efficient operations. However, the slight decline in gross profit margin from previous years suggests potential cost pressures.

Balance Sheet

The balance sheet reflects a solid equity position with a low debt-to-equity ratio of 0.0000073 in the TTM, indicating minimal leverage risk. Return on equity is moderate at 3.10%, suggesting room for improvement in generating returns for shareholders. The equity ratio remains stable, supporting the company's financial stability. However, the declining ROE trend over the years could be a concern if it continues.

Cash Flow

Cash flow analysis shows a positive trajectory with a free cash flow growth rate of 17.11% in the TTM. The operating cash flow to net income ratio is exceptionally high at 1989.9, indicating strong cash generation relative to net income. The free cash flow to net income ratio is also robust at 95.27%, reflecting effective cash management. Despite these strengths, the volatility in free cash flow growth over the years suggests potential fluctuations in cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	135.32M	125.08M	104.56M	93.89M	79.77M	60.70M
Gross Profit	88.54M	79.42M	72.34M	87.02M	78.30M	53.74M
EBITDA	36.21M	29.54M	25.96M	40.72M	33.43M	19.82M
Net Income	26.09M	20.79M	18.21M	30.02M	24.01M	13.04M
Balance Sheet
Total Assets	2.74B	2.58B	2.50B	2.38B	2.42B	1.70B
Cash, Cash Equivalents and Short-Term Investments	320.08M	414.81M	455.99M	449.95M	835.86M	461.77M
Total Debt	17.05M	16.99M	134.12M	31.03M	21.57M	12.94M
Total Liabilities	2.51B	2.38B	2.31B	2.22B	2.21B	1.53B
Stockholders Equity	229.25M	203.97M	189.48M	162.95M	211.73M	166.67M
Cash Flow
Free Cash Flow	32.70M	24.90M	22.74M	43.91M	4.68M	-1.09M
Operating Cash Flow	39.15M	29.56M	29.69M	49.43M	7.20M	296.00K
Investing Cash Flow	-107.75M	-113.59M	-35.27M	-115.39M	-303.24M	-164.24M
Financing Cash Flow	90.60M	55.43M	88.44M	-1.82M	323.57M	217.63M

Fidelity D & D Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 49.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 49.72 is above the 20-day moving average (MA) of 44.42, above the 50-day MA of 43.77, and above the 200-day MA of 42.28, indicating a bullish trend. The MACD of 1.02 indicates Negative momentum. The RSI at 73.19 is Negative, neither overbought nor oversold. The STOCH value of 95.13 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
CHMG	78 Outperform	$276.15M	20.80	5.69%	2.18%	-6.25%	-38.79%
ISBA	75 Outperform	$359.86M	19.96	8.27%	2.19%	7.29%	33.75%
FDBC	74 Outperform	$280.98M	10.81	11.95%	3.28%	17.97%	68.34%
PKBK	70 Neutral	$292.56M	8.90	11.15%	2.83%	12.91%	21.72%
WNEB	69 Neutral	$269.47M	20.12	5.51%	2.10%	7.37%	27.35%
MBCN	68 Neutral	$298.24M	14.14	9.73%	2.28%	7.13%	48.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Fidelity D & D Bancorp Corporate Events

Fidelity Bank Appoints New Chief Risk Officer

On November 3, 2025, Fidelity Bank announced the appointment of Charles Hangen as Senior Vice President and Chief Risk Officer. Hangen will focus on enhancing the bank’s risk management framework, leveraging his expertise to mitigate competitive, regulatory, and technological risks, thereby strengthening the bank’s foundation and ensuring secure financial solutions for clients.

Fidelity D & D Bancorp Announces Board Member Retirement

On September 17, 2025, Fidelity D & D Bancorp, Inc. announced the immediate retirement of Richard M. Hotchkiss from its Board of Directors. Hotchkiss, who joined the board in 2020 following a merger with MNB Corporation, played a significant role in shaping the bank’s governance and organizational structure. His departure is not due to any disagreements with the company, and he will continue to serve as Chair of the Lehigh Valley Advisory Board. The leadership praised his contributions and expressed gratitude for his dedicated service, noting the lasting impact of his leadership on the company.