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

NASDAQ:FDBC - Nasdaq - US31609R1005 - Common Stock - Currency: USD

40.44  -0.71 (-1.73%)

After market: 40.44 0 (0%)

Fundamental Rating

4

FDBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and the financial health of FDBC get a neutral evaluation. Nothing too spectacular is happening here. FDBC has a decent growth rate and is not valued too expensively. Finally FDBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

In the past year FDBC was profitable.
In the past year FDBC had a positive cash flow from operations.
Each year in the past 5 years FDBC has been profitable.
FDBC had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M

1.2 Ratios

FDBC's Return On Assets of 0.80% is in line compared to the rest of the industry. FDBC outperforms 47.58% of its industry peers.
FDBC has a Return On Equity of 10.27%. This is in the better half of the industry: FDBC outperforms 70.23% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 10.27%
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
FDBC Yearly ROA, ROE, ROICFDBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

FDBC's Profit Margin of 26.07% is fine compared to the rest of the industry. FDBC outperforms 65.14% 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 RankSector Rank
OM N/A
PM (TTM) 26.07%
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
FDBC Yearly Profit, Operating, Gross MarginsFDBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

4

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.
The number of shares outstanding for FDBC has been increased compared to 5 years ago.
Compared to 1 year ago, FDBC has an improved debt to assets ratio.
FDBC Yearly Shares OutstandingFDBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
FDBC Yearly Total Debt VS Total AssetsFDBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of FDBC is 0.22, which is an excellent value as it means it would take FDBC, only 0.22 years of fcf income to pay off all of its debts.
FDBC's Debt to FCF ratio of 0.22 is amongst the best of the industry. FDBC outperforms 85.50% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that FDBC is not too dependend on debt financing.
FDBC has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. FDBC outperforms 83.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.22
Altman-Z N/A
ROIC/WACCN/A
WACC19.78%
FDBC Yearly LT Debt VS Equity VS FCFFDBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.90% over the past year.
FDBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.32% yearly.
The Revenue has grown by 16.66% in the past year. This is quite good.
FDBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.05% yearly.
EPS 1Y (TTM)32.9%
EPS 3Y-7.01%
EPS 5Y3.32%
EPS Q2Q%17.05%
Revenue 1Y (TTM)16.66%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%12.76%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

4

4. Valuation

4.1 Price/Earnings Ratio

FDBC is valuated reasonably with a Price/Earnings ratio of 10.76.
FDBC's Price/Earnings ratio is a bit cheaper when compared to the industry. FDBC is cheaper than 65.65% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, FDBC is valued rather cheaply.
Industry RankSector Rank
PE 10.76
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

FDBC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FDBC is cheaper than 84.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.21
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)3.24
EPS Next 2YN/A
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

FDBC has a Yearly Dividend Yield of 3.89%.
Compared to an average industry Dividend Yield of 3.33, FDBC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.89%

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
FDBC Yearly Dividends per shareFDBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

41.71% of the earnings are spent on dividend by FDBC. This is a bit on the high side, but may be sustainable.
FDBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP41.71%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M
FDBC Dividend Payout.FDBC Dividend Payout, showing the Payout Ratio.FDBC Dividend Payout.PayoutRetained Earnings

FIDELITY D&D BANCORP INC

NASDAQ:FDBC (7/31/2025, 8:23:02 PM)

After market: 40.44 0 (0%)

40.44

-0.71 (-1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-21 2025-10-21
Inst Owners22.24%
Inst Owner Change-1.57%
Ins Owners18.6%
Ins Owner Change1.94%
Market Cap233.34M
Analysts0
Price TargetN/A
Short Float %0.44%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 3.89%
Yearly Dividend1.55
Dividend Growth(5Y)7.79%
DP41.71%
Div Incr Years12
Div Non Decr Years24
Ex-Date08-15 2025-08-15 (0.4)
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 10.76
Fwd PE N/A
P/S 2.8
P/FCF 7.21
P/OCF 6.5
P/B 1.1
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.76
EY9.3%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.61
FCFY13.88%
OCF(TTM)6.22
OCFY15.39%
SpS14.45
BVpS36.69
TBVpS33.14
PEG (NY)N/A
PEG (5Y)3.24
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 10.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.07%
GM N/A
FCFM 38.84%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.22
Debt/EBITDA N/A
Cap/Depr 62.29%
Cap/Sales 4.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.78%
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)32.9%
EPS 3Y-7.01%
EPS 5Y3.32%
EPS Q2Q%17.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.66%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%12.76%
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-8.12%
FCF growth 3Y74.58%
FCF growth 5Y2.83%
OCF growth 1Y-6.06%
OCF growth 3Y60.13%
OCF growth 5Y2.77%