FIDELITY D&D BANCORP INC (FDBC) Fundamental Analysis & Valuation

NASDAQ:FDBC • US31609R1005

43.56 USD
+0.05 (+0.11%)
At close: Mar 6, 2026
43.56 USD
0 (0%)
After Hours: 3/6/2026, 8:15:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FDBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall FDBC gets a fundamental rating of 4 out of 10. We evaluated FDBC against 379 industry peers in the Banks industry. FDBC has only an average score on both its financial health and profitability. FDBC is quite expensive at the moment. It does show a decent growth rate. FDBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. FDBC Profitability Analysis

1.1 Basic Checks

  • In the past year FDBC was profitable.
  • In the past year FDBC had a positive cash flow from operations.
  • FDBC had positive earnings in each of the past 5 years.
  • Of the past 5 years FDBC 4 years had a positive operating cash flow.
FDBC Yearly Net Income VS EBIT VS OCF VS FCFFDBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of FDBC (0.95%) is comparable to the rest of the industry.
  • FDBC's Return On Equity of 11.38% is fine compared to the rest of the industry. FDBC outperforms 76.52% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 11.38%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.96%
ROE(3y)10.54%
ROE(5y)12.27%
ROIC(3y)N/A
ROIC(5y)N/A
FDBC Yearly ROA, ROE, ROICFDBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of FDBC (28.98%) is better than 72.03% of its industry peers.
  • In the last couple of years the Profit Margin of FDBC has grown nicely.
  • FDBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.6%
PM growth 5Y6.42%
GM growth 3YN/A
GM growth 5YN/A
FDBC Yearly Profit, Operating, Gross MarginsFDBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. FDBC Health Analysis

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
  • The debt/assets ratio for FDBC has been reduced compared to a year ago.
FDBC Yearly Shares OutstandingFDBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M 5M
FDBC Yearly Total Debt VS Total AssetsFDBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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.
  • FDBC has a Debt to FCF ratio of 0.26. This is amongst the best in the industry. FDBC outperforms 85.22% 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 84.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.26
Altman-Z N/A
ROIC/WACCN/A
WACC18.99%
FDBC Yearly LT Debt VS Equity VS FCFFDBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FDBC Yearly Current Assets VS Current LiabilitesFDBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FDBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.88% over the past year.
  • The Earnings Per Share has been growing by 13.15% on average over the past years. This is quite good.
  • FDBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.27%.
  • Measured over the past years, FDBC shows a quite strong growth in Revenue. The Revenue has been growing by 9.63% on average per year.
EPS 1Y (TTM)34.88%
EPS 3Y-2.79%
EPS 5Y13.15%
EPS Q2Q%35.89%
Revenue 1Y (TTM)15.27%
Revenue growth 3Y1.59%
Revenue growth 5Y9.63%
Sales Q2Q%14.99%

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.
FDBC Yearly Revenue VS EstimatesFDBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
FDBC Yearly EPS VS EstimatesFDBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 1 2 3 4

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3

4. FDBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.94, the valuation of FDBC can be described as reasonable.
  • FDBC's Price/Earnings ratio is rather cheap when compared to the industry. FDBC is cheaper than 88.39% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. FDBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.94
Fwd PE N/A
FDBC Price Earnings VS Forward Price EarningsFDBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FDBC is valued a bit cheaper than the industry average as 70.71% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.5
EV/EBITDA N/A
FDBC Per share dataFDBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. FDBC Dividend Analysis

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 a higher than the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.82, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.95%

5.2 History

  • The dividend of FDBC is nicely growing with an annual growth rate of 7.79%!
  • FDBC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FDBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.79%
Div Incr Years12
Div Non Decr Years24
FDBC Yearly Dividends per shareFDBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • FDBC pays out 35.71% of its income as dividend. This is a sustainable payout ratio.
  • FDBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP35.71%
EPS Next 2YN/A
EPS Next 3YN/A
FDBC Yearly Income VS Free CF VS DividendFDBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M
FDBC Dividend Payout.FDBC Dividend Payout, showing the Payout Ratio.FDBC Dividend Payout.PayoutRetained Earnings

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FDBC Fundamentals: All Metrics, Ratios and Statistics

FIDELITY D&D BANCORP INC

NASDAQ:FDBC (3/6/2026, 8:15:53 PM)

After market: 43.56 0 (0%)

43.56

+0.05 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners24.11%
Inst Owner Change2.07%
Ins Owners20.94%
Ins Owner Change2.71%
Market Cap251.34M
Revenue(TTM)93.23M
Net Income(TTM)26.09M
Analysts0
Price TargetN/A
Short Float %0.45%
Short Ratio2.83
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
Yearly Dividend1.55
Dividend Growth(5Y)7.79%
DP35.71%
Div Incr Years12
Div Non Decr Years24
Ex-Date02-13
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 RankSector Rank
PE 8.94
Fwd PE N/A
P/S 2.79
P/FCF 9.5
P/OCF 6.42
P/B 1.1
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)4.87
EY11.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.59
FCFY10.53%
OCF(TTM)6.78
OCFY15.58%
SpS15.61
BVpS39.73
TBVpS36.21
PEG (NY)N/A
PEG (5Y)0.68
Graham Number65.98
Profitability
Industry RankSector 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)0.85%
ROA(5y)0.96%
ROE(3y)10.54%
ROE(5y)12.27%
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-3.6%
PM growth 5Y6.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector 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
WACC18.99%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.88%
EPS 3Y-2.79%
EPS 5Y13.15%
EPS Q2Q%35.89%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.27%
Revenue growth 3Y1.59%
Revenue growth 5Y9.63%
Sales Q2Q%14.99%
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 1Y6.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y24.63%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for FIDELITY D&D BANCORP INC?

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.


What is the valuation of FIDELITY D&D BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIDELITY D&D BANCORP INC (FDBC) is 8.94 and the Price/Book (PB) ratio is 1.1.


How sustainable is the dividend of FIDELITY D&D BANCORP INC (FDBC) stock?

The dividend rating of FIDELITY D&D BANCORP INC (FDBC) is 8 / 10 and the dividend payout ratio is 35.71%.