FIDELITY D&D BANCORP INC (FDBC)
US31609R1005 - Common Stock
We assign a fundamental rating of 2 out of 10 to FDBC. FDBC was compared to 412 industry peers in the Banks industry. FDBC may be in some trouble as it scores bad on both profitability and health. FDBC is valued expensive and it does not seem to be growing.
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.
FDBC had positive earnings in each of the past 5 years.
FDBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FDBC (0.73%) is worse than 63.35% of its industry peers.
The Return On Equity of FDBC (9.61%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.61% | ||
| ROIC | N/A |
ROA(3y)0.99%
ROA(5y)0.98%
ROE(3y)13.12%
ROE(5y)11.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of FDBC (24.78%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FDBC has declined.
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) | 24.78% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.82%
PM growth 5Y-2.24%
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.
The number of shares outstanding for FDBC has been increased compared to 5 years ago.
FDBC has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FDBC is 5.47, which is a neutral value as it means it would take FDBC, 5.47 years of fcf income to pay off all of its debts.
FDBC has a worse Debt to FCF ratio (5.47) than 67.96% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that FDBC is somewhat dependend on debt financing.
FDBC has a Debt to Equity ratio of 0.66. This is in the lower half of the industry: FDBC underperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FDBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.70%.
The Earnings Per Share has been growing slightly by 1.71% on average over the past years.
FDBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.38%.
The Revenue has been growing by 13.12% on average over the past years. This is quite good.
EPS 1Y (TTM)-39.7%
EPS 3Y6.78%
EPS 5Y1.71%
EPS growth Q2Q-23.02%
Revenue 1Y (TTM)-17.38%
Revenue growth 3Y7.66%
Revenue growth 5Y13.12%
Revenue growth Q2Q-41.77%
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
FDBC is valuated correctly with a Price/Earnings ratio of 14.06.
79.13% of the companies in the same industry are cheaper than FDBC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 24.80. FDBC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.06 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FDBC is valued a bit more expensive than the industry average as 66.26% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.27%, FDBC has a reasonable but not impressive dividend return.
FDBC's Dividend Yield is comparable with the industry average which is at 3.91.
FDBC's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
The dividend of FDBC has a limited annual growth rate of 5.66%.
FDBC has paid a dividend for at least 10 years, which is a reliable track record.
FDBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.66%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
37.07% of the earnings are spent on dividend by FDBC. This is a low number and sustainable payout ratio.
FDBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.07%
EPS Next 2YN/A
EPS Next 3YN/A
FIDELITY D&D BANCORP INC
NASDAQ:FDBC (4/19/2024, 9:30:19 AM)
44.84
-0.89 (-1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap256.93M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.06 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)8.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.61% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.78% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-39.7%
EPS 3Y6.78%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-17.38%
Revenue growth 3Y7.66%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y