Skip to content
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 Framework: Banks & Lenders Small Cap
Fidelity D & D Bancorp, Inc. (FDBC), is a Small Cap company, in the Banks - Regional industry, last closed at $64.26, about 31.0% overvalued vs fair value, +45.0% 1Y return, ranked 394/1078 in sector.
Metrics P/E 9.0× Rev Growth 14.4% ROE 12.7% Gross Margin 100.6% Div Yield 3.75%
USD 64.26
-1.28%
(Delayed)
• Vol 90d: 28.6%
52-Week Range
Market Cap
$373.25M
Enterprise Value
$290.16M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Dividend Nov 13

Fair Value Snapshot

Bear Base Bull
$25
$44
$83
Current: $64.26 -31% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$119.8M
12%%
Interest Expense
$47.2M
Net Interest Income
$72.7M
17.5%%
Total Revenue
$91.4M
14.4%%
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
11.8%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.5M
33.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
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
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.89), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.93).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
63
Premium

Signals, strengths and risks for Deposit Franchise

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FDBC's balance between Growth (41.4%), Profitability (28.9%), and Safety (29.7%). Growth 41% Safety 30% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

69th percentile vs peers
70
Key Signals
NII Growth YoY 17.5% 72p Asset Growth YoY 6.3% 62p Equity Growth YoY 17.1% 79p EPS Growth YoY 35.0% 69p
Strengths
  • Debt/Assets in top 20% of peers (0.6%, 93th percentile)
  • D/E Ratio in top 20% of peers (7.1%, 90th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

50th percentile vs peers
50
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$44.36
- - -
-31.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000