Fidelity D & D Bancorp Inc (FDBC)
NASDAQ:FDBC
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Fidelity D & D Bancorp
(NASDAQ:FDBC)
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Rating:73Outperform
Price Target:
$48.00
▼(-0.72% Downside)
Action:ReiteratedDate:03/14/26
The score is driven primarily by strong financial positioning (notably improved leverage and solid profitability) and attractive valuation (low P/E plus a high dividend yield). These positives are partly offset by weak technical momentum (price below key moving averages with a negative MACD) and mixed corporate-event signals due to the Chief Credit Officer termination.
Positive Factors
Strong cash generation
Extremely strong operating cash flow relative to net income indicates durable internal funding capacity. This supports dividend payments, loan funding, and loss-absorption without reliance on wholesale funding, enhancing resilience and strategic optionality over the medium term.
Negative Factors
Modest return on equity
A low ROE signals limited efficiency in converting equity into shareholder returns. Over months, modest ROE constrains capital returns and may indicate under‐utilized assets or low risk appetite; improving asset yield or measured leverage will be needed to raise long-term investor returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Extremely strong operating cash flow relative to net income indicates durable internal funding capacity. This supports dividend payments, loan funding, and loss-absorption without reliance on wholesale funding, enhancing resilience and strategic optionality over the medium term.
Read all positive factors
Fidelity D & D Bancorp (FDBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$253.45M
Dividend Yield3.61%
Average Volume (3M)8.25K
Price to Earnings (P/E)8.9
Beta (1Y)0.73
Revenue Growth17.97%
EPS Growth68.34%
CountryUS
Employees289
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.37
Shares Outstanding5,805,183
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 Cap0.48
Enterprise Value/Revenue0.88
Enterprise Value/Gross Profit1.33
Enterprise Value/Ebitda3.16
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 | 672.01M | 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
44.54
Negative
44.30
Negative
43.52
Positive
Market Momentum
-0.30
Negative
49.10
Neutral
68.19
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 43.39, above the 50-day MA of 44.54, and above the 200-day MA of 43.52, indicating a neutral trend. The MACD of -0.30 indicates Negative momentum. The RSI at 49.10 is Neutral, neither overbought nor oversold. The STOCH value of 68.19 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $335.03M | 7.77 | 12.02% | 2.84% | 12.91% | 21.72% | |
73 Outperform | $253.45M | 8.93 | 12.56% | 3.61% | 17.97% | 68.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $264.81M | 12.15 | 5.51% | 2.18% | 7.37% | 27.35% | |
58 Neutral | $258.13M | 17.77 | 6.27% | 2.40% | -6.25% | -38.79% | |
57 Neutral | $336.52M | 19.51 | 8.45% | 2.13% | 7.29% | 33.75% |
* Financial Sector Average
FDBC
Fidelity D & D Bancorp
43.66
4.04
10.20%
PKBK
Parke Bancorp
28.29
11.02
63.78%
WNEB
Western New England Bancorp
13.07
5.21
66.22%
CHMG
Chemung Financial
53.57
11.67
27.86%
ISBA
Isabella Bank
45.91
24.28
112.29%
Fidelity D & D Bancorp Corporate Events
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...
Business Operations and StrategyExecutive/Board Changes
Fidelity D & D Bancorp Adds Two New Directors
Positive
Jan 6, 2026
On January 2, 2026, Fidelity D D Bancorp and its subsidiary, The Fidelity Deposit and Discount Bank, elected James Clemente, CPA, MT, and Rocco A. DelVecchio to their Boards of Directors, with Clemente’s term running until the 2028 annual m...
Business Operations and StrategyExecutive/Board Changes
Fidelity D & D Bancorp Terminates Chief Credit Officer
Negative
Dec 18, 2025
On December 12, 2025, Fidelity Deposit and Discount Bank, the banking subsidiary of Fidelity D D Bancorp, terminated the employment of Executive Vice President and Chief Credit Officer Michael J. Pacyna Jr. and entered into a separation agreement...
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.