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

NASDAQ:FDBC • US31609R1005

Current stock price

46.03 USD
-0.11 (-0.24%)
Last:

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.
  • In the past year FDBC had a positive cash flow from operations.
  • In the past 5 years FDBC has always been profitable.
  • In the past 5 years FDBC always reported a positive cash flow from operatings.
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's Return On Assets of 1.03% is in line compared to the rest of the industry. FDBC outperforms 57.45% of its industry peers.
  • FDBC's Return On Equity of 11.81% is fine compared to the rest of the industry. FDBC outperforms 77.39% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 11.81%
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 Profit Margin of 30.25%. This is in the better half of the industry: FDBC outperforms 75.80% of its industry peers.
  • In the last couple of years the Profit Margin of FDBC has grown nicely.
  • The Operating Margin and Gross Margin are not available for FDBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.25%
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.
  • The number of shares outstanding for FDBC has been increased compared to 1 year ago.
  • Compared to 5 years ago, FDBC has more shares outstanding
  • FDBC has a better debt/assets ratio than last year.
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 0.27. This is a very positive value and a sign of high solvency as it would only need 0.27 years to pay back of all of its debts.
  • FDBC has a Debt to FCF ratio of 0.27. This is amongst the best in the industry. FDBC outperforms 86.44% 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.
  • With an excellent Debt to Equity ratio value of 0.03, FDBC belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACCN/A
WACC23.12%
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 34.80% over the past year.
  • The Earnings Per Share has been growing by 13.17% on average over the past years. This is quite good.
  • 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)34.8%
EPS 3Y-2.76%
EPS 5Y13.17%
EPS Q2Q%35.6%
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

  • The Price/Earnings ratio is 9.45, which indicates a very decent valuation of FDBC.
  • Based on the Price/Earnings ratio, FDBC is valued cheaply inside the industry as 85.64% of the companies are valued more expensively.
  • FDBC is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.45
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 64.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.9
EV/EBITDA N/A
FDBC Per share dataFDBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.72
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 3.73%.
  • FDBC's Dividend Yield is rather good when compared to the industry average which is at 2.56. FDBC pays more dividend than 86.17% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.73%

5.2 History

  • The dividend of FDBC has a limited annual growth rate of 5.98%.
  • 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)5.98%
Div Incr Years13
Div Non Decr Years25
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 33.35% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of FDBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.35%
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 (4/24/2026, 8:00:02 PM)

46.03

-0.11 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners23.79%
Inst Owner Change0.19%
Ins Owners20.72%
Ins Owner Change2.82%
Market Cap270.66M
Revenue(TTM)93.23M
Net Income(TTM)28.20M
Analysts0
Price TargetN/A
Short Float %0.68%
Short Ratio4.52
Dividend
Industry RankSector Rank
Dividend Yield 3.73%
Yearly Dividend1.63
Dividend Growth(5Y)5.98%
DP33.35%
Div Incr Years13
Div Non Decr Years25
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 9.45
Fwd PE N/A
P/S 2.9
P/FCF 10.9
P/OCF 6.39
P/B 1.13
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)4.87
EY10.58%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.22
FCFY9.17%
OCF(TTM)7.2
OCFY15.65%
SpS15.86
BVpS40.62
TBVpS37.18
PEG (NY)N/A
PEG (5Y)0.72
Graham Number66.7174 (44.94%)
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 11.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.25%
GM N/A
FCFM 26.63%
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 0.27
Debt/EBITDA N/A
Cap/Depr 319.11%
Cap/Sales 18.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC23.12%
ROIC/WACCN/A
Cap/Depr(3y)174.44%
Cap/Depr(5y)134.91%
Cap/Sales(3y)11.35%
Cap/Sales(5y)8.68%
Profit Quality(3y)110.88%
Profit Quality(5y)99.69%
High Growth Momentum
Growth
EPS 1Y (TTM)34.8%
EPS 3Y-2.76%
EPS 5Y13.17%
EPS Q2Q%35.6%
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 1Y-0.3%
FCF growth 3Y-17.32%
FCF growth 5YN/A
OCF growth 1Y43.29%
OCF growth 3Y-5.01%
OCF growth 5Y169.13%

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.


Can you provide the profitability details for FIDELITY D&D BANCORP INC?

FIDELITY D&D BANCORP INC (FDBC) has a profitability rating of 4 / 10.


What is the financial health of FIDELITY D&D BANCORP INC (FDBC) stock?

The financial health rating of FIDELITY D&D BANCORP INC (FDBC) is 4 / 10.


Is the dividend of FIDELITY D&D BANCORP INC sustainable?

The dividend rating of FIDELITY D&D BANCORP INC (FDBC) is 8 / 10 and the dividend payout ratio is 33.35%.