44.51 USD
+1.01 (+2.32%)
44.51 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FDBC. FDBC was compared to 387 industry peers in the Banks industry. FDBC has only an average score on both its financial health and profitability. FDBC is valied quite expensively at the moment, while it does show a decent growth rate. FDBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FDBC had positive earnings in the past year.
In the past year FDBC had a positive cash flow from operations.
In the past 5 years FDBC has always been profitable.
FDBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FDBC has a Return On Assets of 0.95%. This is comparable to the rest of the industry: FDBC outperforms 55.56% of its industry peers.
FDBC has a better Return On Equity (11.38%) than 77.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 11.38% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)0.91%
ROE(3y)12.74%
ROE(5y)11.48%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FDBC (28.98%) is better than 74.42% of its industry peers.
In the last couple of years the Profit Margin of FDBC has remained more or less at the same level.
FDBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.98%
PM growth 5Y-1.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FDBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FDBC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FDBC has more shares outstanding
FDBC has a better debt/assets ratio than last year.
2.2 Solvency
FDBC has a debt to FCF ratio of 0.26. This is a very positive value and a sign of high solvency as it would only need 0.26 years to pay back of all of its debts.
The Debt to FCF ratio of FDBC (0.26) is better than 84.24% of its industry peers.
FDBC has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
FDBC's Debt to Equity ratio of 0.03 is amongst the best of the industry. FDBC outperforms 84.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FDBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.00%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.32% on average over the past years.
FDBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.01%.
The Revenue has been growing by 14.05% on average over the past years. This is quite good.
EPS 1Y (TTM)68%
EPS 3Y-7.01%
EPS 5Y3.32%
EPS Q2Q%47.67%
Revenue 1Y (TTM)24.01%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%15.29%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.89, the valuation of FDBC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FDBC indicates a rather cheap valuation: FDBC is cheaper than 81.40% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FDBC to the average of the S&P500 Index (26.28), we can say FDBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | N/A |
4.2 Price Multiples
68.48% of the companies in the same industry are more expensive than FDBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.98
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDBC has a Yearly Dividend Yield of 3.95%. Purely for dividend investing, there may be better candidates out there.
FDBC's Dividend Yield is rather good when compared to the industry average which is at 3.11. FDBC pays more dividend than 81.14% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, FDBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
5.2 History
On average, the dividend of FDBC grows each year by 7.79%, which is quite nice.
FDBC has been paying a dividend for at least 10 years, so it has a reliable track record.
FDBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.79%
Div Incr Years12
Div Non Decr Years24
5.3 Sustainability
FDBC pays out 35.71% of its income as dividend. This is a sustainable payout ratio.
FDBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.71%
EPS Next 2YN/A
EPS Next 3YN/A
44.51
+1.01 (+2.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.39%
Inst Owner Change2.21%
Ins Owners17.95%
Ins Owner Change0.22%
Market Cap256.82M
Revenue(TTM)90.05M
Net Income(TTM)26.09M
Analysts0
Price TargetN/A
Short Float %0.6%
Short Ratio4.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
Yearly Dividend1.55
Dividend Growth(5Y)7.79%
DP35.71%
Div Incr Years12
Div Non Decr Years24
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | N/A | ||
| P/S | 2.85 | ||
| P/FCF | 9.7 | ||
| P/OCF | 6.56 | ||
| P/B | 1.12 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.5
EY10.11%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.59
FCFY10.31%
OCF(TTM)6.78
OCFY15.24%
SpS15.61
BVpS39.73
TBVpS36.21
PEG (NY)N/A
PEG (5Y)2.98
Graham Number63.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 11.38% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.98% | ||
| GM | N/A | ||
| FCFM | 29.39% |
ROA(3y)0.93%
ROA(5y)0.91%
ROE(3y)12.74%
ROE(5y)11.48%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.98%
PM growth 5Y-1.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.26 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 226.09% | ||
| Cap/Sales | 14.08% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 101.45% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC18.83%
ROIC/WACCN/A
Cap/Depr(3y)102.99%
Cap/Depr(5y)77.21%
Cap/Sales(3y)7.14%
Cap/Sales(5y)5.39%
Profit Quality(3y)130.31%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68%
EPS 3Y-7.01%
EPS 5Y3.32%
EPS Q2Q%47.67%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.01%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%15.29%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.66%
FCF growth 3Y74.58%
FCF growth 5Y2.83%
OCF growth 1Y28.23%
OCF growth 3Y60.13%
OCF growth 5Y2.77%
FIDELITY D&D BANCORP INC / FDBC FAQ
Can you provide the ChartMill fundamental rating for FIDELITY D&D BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to FDBC.
What is the valuation status for FDBC stock?
ChartMill assigns a valuation rating of 3 / 10 to FIDELITY D&D BANCORP INC (FDBC). This can be considered as Overvalued.
How profitable is FIDELITY D&D BANCORP INC (FDBC) stock?
FIDELITY D&D BANCORP INC (FDBC) has a profitability rating of 4 / 10.
Can you provide the financial health for FDBC stock?
The financial health rating of FIDELITY D&D BANCORP INC (FDBC) is 4 / 10.