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

NASDAQ:FDBC • US31609R1005

Current stock price

42.79 USD
-0.54 (-1.25%)
At close:
42.79 USD
0 (0%)
After Hours:

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

4

1. FDBC Profitability Analysis

1.1 Basic Checks

  • FDBC had positive earnings in the past year.
  • FDBC had a positive operating cash flow in the past year.
  • In the past 5 years FDBC has always been profitable.
  • FDBC had a positive operating cash flow in 4 of the past 5 years.
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

  • FDBC has a Return On Assets (0.95%) which is in line with its industry peers.
  • The Return On Equity of FDBC (11.38%) is better than 74.21% 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

  • FDBC has a better Profit Margin (28.98%) than 69.47% 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
  • Compared to 1 year ago, FDBC has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of FDBC is 0.26, which is an excellent value as it means it would take FDBC, only 0.26 years of fcf income to pay off all of its debts.
  • FDBC has a better Debt to FCF ratio (0.26) than 86.32% 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 has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. FDBC outperforms 84.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.26
Altman-Z N/A
ROIC/WACCN/A
WACC19.3%
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.
  • FDBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.15% yearly.
  • The Revenue has grown by 15.27% in the past year. This is quite good.
  • 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

  • A Price/Earnings ratio of 8.79 indicates a reasonable valuation of FDBC.
  • Based on the Price/Earnings ratio, FDBC is valued cheaply inside the industry as 87.11% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, FDBC is valued rather cheaply.
Industry RankSector Rank
PE 8.79
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 70.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.39
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)0.67
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 3.97%.
  • FDBC's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.90, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.97%

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

  • 35.71% of the earnings are spent on dividend by FDBC. This is a low number and 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 (3/27/2026, 8:15:30 PM)

After market: 42.79 0 (0%)

42.79

-0.54 (-1.25%)

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 Change2.82%
Market Cap248.61M
Revenue(TTM)93.23M
Net Income(TTM)26.09M
Analysts0
Price TargetN/A
Short Float %0.45%
Short Ratio3.02
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
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 8.79
Fwd PE N/A
P/S 2.76
P/FCF 9.39
P/OCF 6.35
P/B 1.08
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)4.87
EY11.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.56
FCFY10.65%
OCF(TTM)6.74
OCFY15.75%
SpS15.5
BVpS39.46
TBVpS35.96
PEG (NY)N/A
PEG (5Y)0.67
Graham Number65.75
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
WACC19.3%
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 Fundamental Analysis 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 8.79 and the Price/Book (PB) ratio is 1.08.


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%.