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Company Analysis

Fidelity D & D Bancorp, Inc. FDBC

A comprehensive view of key metrics, scores, and financial health for Fidelity D & D Bancorp, Inc.

Overview of Fidelity D & D Bancorp, Inc.

FDBC NGM
Financial Services Banks - Regional Micro Cap
Fidelity D & D Bancorp, Inc. (FDBC), is a Micro Cap company, in the Banks - Regional industry, last closed at $42.94, about 4.6% overvalued vs fair value, +1.9% 1Y return, placing in the top 25% of its sector.
$42.94
-0.95%
As of March 13, 2026
Previous close • Vol 90d: 30.8%
52-Week Range
Market Cap
$247.81M
Enterprise Value
$105.77M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bankatfidelity.com
HQ Dunmore, PA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$23
$41
$77
Current: $42.94 -5% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$107.0M
14.1%%
Interest Expense
$47.2M
Net Interest Income
$61.9M
-0.3%%
Total Revenue
$140.4M
75.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.9M
42.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Fidelity D & D Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
54
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FDBC's balance between Growth (35.4%), Profitability (32.7%), and Safety (31.9%). Growth 35% Safety 32% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

60th percentile vs peers
60
Key Signals
Rev Growth YoY 75.7% 68p Asset Growth YoY 6.3% 65p Revenue CAGR 3Y 17.1% 45p
Strengths
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Fidelity D & D Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$40.95
- - -
-4.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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