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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 $45.75, about 10.5% overvalued vs fair value, +12.8% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 75.7% ROE 12.7% Gross Margin 65.5%
$45.75
-0.22%
As of April 28, 2026
Previous close • Vol 90d: 28.7%
52-Week Range
Market Cap
$265.60M
Enterprise Value
$123.56M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$41
$77
Current: $45.75 -11% 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

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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
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing FDBC's balance between Growth (40.9%), Profitability (34.1%), and Safety (25.0%). Growth 41% Safety 25% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

56th percentile vs peers
56
Key Signals
Asset Growth YoY 6.3% 65p NII Growth YoY -0.3% 41p EPS Growth YoY 12.8% 66p Equity Growth YoY 7.6% 56p
Strengths
  • Financial Leverage in top 20% of peers (12.93, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

34th percentile vs peers
34
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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Bear
-
- - -
- upside
-
Base
$40.95
- - -
-10.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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