FIDELITY D&D BANCORP INC (FDBC) Stock Fundamental Analysis
USA - NASDAQ:FDBC - US31609R1005 - Common Stock
43.18 USD
-1.36 (-3.05%)
Overall FDBC gets a fundamental rating of 4 out of 10. We evaluated FDBC against 388 industry peers in the Banks industry. FDBC has an average financial health and profitability rating. FDBC is quite expensive at the moment. It does show a decent growth rate. Finally 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.
FDBC had positive earnings in each of the past 5 years.
Each year in the past 5 years FDBC had a positive operating cash flow.
1.2 Ratios
FDBC's Return On Assets of 0.88% is in line compared to the rest of the industry. FDBC outperforms 50.26% of its industry peers.
FDBC has a better Return On Equity (10.88%) than 74.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 10.88% | ||
| 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
FDBC's Profit Margin of 27.28% is fine compared to the rest of the industry. FDBC outperforms 68.81% of its industry peers.
FDBC's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for FDBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.28% | ||
| 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.
FDBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FDBC has an improved debt to assets ratio.
2.2 Solvency
FDBC has a debt to FCF ratio of 0.22. This is a very positive value and a sign of high solvency as it would only need 0.22 years to pay back of all of its debts.
FDBC has a better Debt to FCF ratio (0.22) than 85.05% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that FDBC is not too dependend on debt financing.
FDBC's Debt to Equity ratio of 0.03 is amongst the best of the industry. FDBC outperforms 83.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.13% over the past year.
The Earnings Per Share has been growing slightly by 3.32% on average over the past years.
Looking at the last year, FDBC shows a very strong growth in Revenue. The Revenue has grown by 24.01%.
Measured over the past years, FDBC shows a quite strong growth in Revenue. The Revenue has been growing by 14.05% on average per year.
EPS 1Y (TTM)68.13%
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 9.57, the valuation of FDBC can be described as very reasonable.
72.94% of the companies in the same industry are more expensive than FDBC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.56, FDBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FDBC indicates a somewhat cheap valuation: FDBC is cheaper than 79.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.89
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDBC has a Yearly Dividend Yield of 3.82%.
FDBC's Dividend Yield is a higher than the industry average which is at 3.39.
FDBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
5.2 History
On average, the dividend of FDBC grows each year by 7.79%, which is quite nice.
FDBC has paid a dividend for at least 10 years, which is 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 38.75% 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.
DP38.75%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:FDBC (11/17/2025, 8:00:02 PM)
43.18
-1.36 (-3.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners22.91%
Inst Owner Change2.19%
Ins Owners18.32%
Ins Owner Change0.23%
Market Cap249.15M
Revenue(TTM)90.05M
Net Income(TTM)23.71M
Analysts0
Price TargetN/A
Short Float %0.52%
Short Ratio3.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend1.55
Dividend Growth(5Y)7.79%
DP38.75%
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 | 9.57 | ||
| Fwd PE | N/A | ||
| P/S | 2.87 | ||
| P/FCF | 7.77 | ||
| P/OCF | 6.26 | ||
| P/B | 1.14 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.51
EY10.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.56
FCFY12.87%
OCF(TTM)6.9
OCFY15.98%
SpS15.06
BVpS37.77
TBVpS34.24
PEG (NY)N/A
PEG (5Y)2.89
Graham Number61.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 10.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.28% | ||
| GM | N/A | ||
| FCFM | 36.9% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.22 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 135.6% | ||
| Cap/Sales | 8.91% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.05%
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)68.13%
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 1Y-1.27%
FCF growth 3Y74.58%
FCF growth 5Y2.83%
OCF growth 1Y8.51%
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.