A Business at a Glance
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FIDELITY D & D BANCORP INC
FDBC
$299M
Mkt Cap
$51.55
+1.66%
FIDELITY D & D BANCORP INC (FDBC) has a current P/E ratio of 11.4, compared to its historical median P/E of 15.4. The stock is currently considered Cheap based on its historical valuation range.
FIDELITY D & D BANCORP INC (FDBC) has a 5-year average return on invested capital (ROIC) of 12.5%. This indicates solid capital allocation.
FIDELITY D & D BANCORP INC (FDBC) has a market capitalization of $299M. It is classified as a small-cap stock.
Yes, FIDELITY D & D BANCORP INC (FDBC) pays a dividend with a trailing twelve-month yield of 3.14%.
Based on historical P/E analysis, FIDELITY D & D BANCORP INC (FDBC) appears cheap. The current P/E of 11.4 is 26% below its historical median of 15.4. The estimated fair value CAGR (P/E method) is 4.6%.
FIDELITY D & D BANCORP INC (FDBC) operates in the National Commercial Banks industry, within the Financials sector.
FIDELITY D & D BANCORP INC (FDBC) reported annual revenue of $140 million in its most recent fiscal year, based on SEC EDGAR filings.
Fidelity D & D Bancorp, Inc. (the Company) was incorporated in the Commonwealth of Pennsylvania, on August 10, 1999, and is a bank holding company, whose wholly-owned state chartered commercial bank subsidiary is The Fidelity Deposit and Discount Bank (the Bank) (collectively, the Company). The Company is headquartered at Blakely and Drinker Streets in Dunmore, Pennsylvania. The Company's primary market area (service area) is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania. Federal and state banking laws contain numerous provisions that affect various aspects of the business and operations of the Company and the Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 140M | 140M | 126M | 105M | 95M | 84M |
| Net Income | 28M | 28M | 21M | 18M | 30M | 24M |
| EPS | $4.86 | $4.86 | $3.60 | $3.19 | $5.29 | $4.48 |
| Free Cash Flow | 25M | 25M | 25M | 23M | 44M | 4.7M |
| ROIC | 15.7% | 12.7% | 10.6% | 10.3% | 16.0% | 12.7% |
| Gross Margin | 66.5% | 66.5% | 65.6% | 72.3% | 93.3% | 93.3% |
| Debt/Equity | 0.03 | 0.03 | 0.03 | 0.62 | 0.08 | 0.05 |
| Dividends/Share | $1.62 | $1.63 | $1.54 | $1.46 | $1.35 | $1.23 |
| Operating Income | 33M | 33M | 24M | 20M | 35M | 28M |
| Operating Margin | 23.6% | 23.6% | 18.9% | 19.2% | 37.2% | 33.4% |
| ROE | 11.8% | 12.7% | 10.6% | 10.3% | 16.0% | 12.7% |
| Shares Outstanding | 6M | 6M | 6M | 6M | 6M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 32M | 34M | 36M | 39M | 45M | 49M | 64M | 84M | 95M | 105M | 126M | 140M | 140M |
| Gross Margin | 87.6% | 89.3% | 90.5% | 88.1% | 85.8% | 82.5% | 83.5% | 93.3% | 93.3% | 72.3% | 65.6% | 66.5% | 66.5% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 9.9M | 10M | 12M | 13M | 14M | 15M | 18M | 24M | 27M | 26M | 29M | 31M | 31M |
| EBIT | 8.5M | 8.9M | 10M | 9.9M | 13M | 14M | 15M | 28M | 35M | 20M | 24M | 33M | 33M |
| Op. Margin | 26.5% | 26.6% | 29.5% | 25.2% | 29.5% | 28.1% | 23.8% | 33.4% | 37.2% | 19.2% | 18.9% | 23.6% | 23.6% |
| Net Income | 6.4M | 7.1M | 7.7M | 8.7M | 11M | 12M | 13M | 24M | 30M | 18M | 21M | 28M | 28M |
| Net Margin | 19.7% | 21.2% | 21.7% | 22.1% | 24.7% | 23.4% | 20.3% | 28.7% | 31.5% | 17.3% | 16.5% | 20.1% | 20.1% |
| Non-Recurring | -41K | -27K | -5K | -164K | -18K | -13K | -142K | -186K | -195K | -216K | -12K | 296K | 296K |
| Returns on Capital | |||||||||||||
| ROIC | 7.8% | 9.2% | 9.8% | 10.4% | 12.2% | 11.6% | 9.5% | 12.7% | 16.0% | 10.3% | 10.6% | 12.7% | 15.7% |
| ROE | 9.2% | 9.6% | 9.8% | 10.4% | 12.2% | 11.6% | 9.5% | 12.7% | 16.0% | 10.3% | 10.6% | 12.7% | 11.8% |
| ROA | 1.0% | 1.0% | 1.0% | 1.1% | 1.2% | 1.2% | 1.0% | 1.2% | 1.3% | 0.7% | 0.8% | 1.1% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.9M | 16M | 16M | 14M | 14M | 26M | 296K | 7.2M | 49M | 30M | 30M | 42M | 42M |
| Free Cash Flow | 4.9M | 14M | 14M | 13M | 10M | 22M | -1.1M | 4.7M | 44M | 23M | 25M | 25M | 25M |
| Owner Earnings | 6.5M | 14M | 14M | 12M | 12M | 23M | -2.7M | 3.9M | 46M | 26M | 26M | 39M | 39M |
| CapEx | 3.0M | 1.6M | 1.5M | 921K | 3.6M | 4.1M | 1.4M | 2.5M | 5.5M | 7.0M | 4.7M | 18M | 18M |
| Maint. CapEx | 1.2M | 1.3M | 1.4M | 1.3M | 1.3M | 1.5M | 1.9M | 2.2M | 2.3M | 2.5M | 2.4M | 2.3M | 2.3M |
| Growth CapEx | 1.8M | 296K | 76K | 0 | 2.3M | 2.6M | 0 | 320K | 3.2M | 4.5M | 2.3M | 15M | 15M |
| D&A | 1.2M | 1.3M | 1.4M | 1.3M | 1.3M | 1.5M | 1.9M | 2.2M | 2.3M | 2.5M | 2.4M | 2.3M | 2.3M |
| CapEx/OCF | 37.6% | 10.1% | 9.3% | 6.6% | 26.2% | 16.0% | 469.6% | 35.0% | 11.2% | 23.4% | 15.8% | N/A | 41.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 3.0M | 3.4M | 4.0M | 5.4M | 6.6M | 7.7M | 6.8M | 8.8M | 9.4M | 9.4M |
| Dividend Yield | N/A | N/A | N/A | 3.1% | 1.9% | 2.1% | 2.8% | 2.6% | 3.5% | 2.7% | 3.3% | N/A | 3.1% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.3M | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.5% | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 207K | 225K | 519K | 550K | 749K | 817K | 1.1M | 1.1M | 1.3M | 1.6M | 1.5M | 1.1M | 1.1M |
| Debt Repayment | 6.0M | 10M | 24M | 14M | 38K | 39M | 38M | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -113M | -109M | -151M | -154M | -124M | -163M | -462M | -825M | -340M | -310M | -297M | -59M | -59M |
| Cash & Equiv. | 26M | 12M | 26M | 16M | 17M | 16M | 69M | 97M | -68M | 83M | -29M | 65M | 65M |
| Long-Term Debt | 6.0M | 0 | 0 | N/A | N/A | N/A | N/A | 156K | N/A | 0 | 0 | N/A | 6.0M |
| Debt/Equity | 0.14 | 0.37 | 0.05 | 0.21 | 0.82 | 0.35 | 0.00 | 0.05 | 0.08 | 0.62 | 0.03 | 0.03 | 0.03 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.7 |
| Equity | 72M | 76M | 81M | 87M | 94M | 107M | 167M | 212M | 163M | 189M | 204M | 239M | 239M |
| Total Assets | 676M | 729M | 793M | 864M | 981M | 1.0B | 1.7B | 2.4B | 2.4B | 2.5B | 2.6B | 2.7B | 2.7B |
| Total Liabilities | 604M | 653M | 712M | 776M | 888M | 903M | 1.5B | 2.2B | 2.2B | 2.3B | 2.4B | 2.5B | 2.5B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | 1.7M | 1.9M | 1.5M | 1.2M | 876K | 614K | 614K |
| Retained Earnings | 43M | 47M | 52M | 57M | 65M | 72M | 80M | 97M | 120M | 128M | 140M | 159M | 159M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.62 | 1.94 | 2.09 | 2.33 | 2.90 | 3.03 | 2.82 | 4.48 | 5.29 | 3.19 | 3.60 | 4.86 | 4.86 |
| Owner EPS | 2.68 | 3.88 | 3.79 | 3.22 | 3.06 | 6.14 | -0.58 | 0.73 | 8.08 | 4.47 | 4.45 | 6.72 | 6.72 |
| Book Value | 29.79 | 20.85 | 21.91 | 23.36 | 24.65 | 27.96 | 36.06 | 39.51 | 28.71 | 33.19 | 35.31 | 41.17 | 41.17 |
| Cash Flow/Share | 3.26 | 4.29 | 4.31 | 3.71 | 3.60 | 6.75 | 0.06 | 1.34 | 8.71 | 5.20 | 5.12 | 7.30 | 5.26 |
| Dividends/Share | 1.10 | 0.77 | 0.83 | 0.88 | 0.98 | 1.06 | 1.14 | 1.23 | 1.35 | 1.46 | 1.54 | 1.63 | 1.62 |
| Shares Out. | 2.4M | 3.7M | 3.7M | 3.7M | 3.8M | 3.8M | 4.6M | 5.4M | 5.7M | 5.7M | 5.8M | 5.8M | 5.8M |
| Valuation | |||||||||||||
| P/E Ratio | 9.2 | 9.0 | 9.4 | 15.4 | 18.1 | 17.5 | 19.2 | 11.2 | 7.9 | 17.2 | 13.0 | N/A | 10.6 |
| P/FCF | 7.9 | 4.5 | 5.0 | 10.4 | 19.8 | 9.4 | N/A | 57.5 | 5.4 | 13.8 | 10.9 | N/A | 12.0 |
| EV/EBIT | 3.2 | 7.0 | 4.0 | 10.4 | 14.3 | 10.5 | N/A | N/A | 5.3 | 6.5 | N/A | N/A | 7.3 |
| Price/Book | 0.8 | 0.8 | 0.9 | 1.5 | 2.1 | 1.9 | 1.5 | 1.3 | 1.5 | 1.7 | 1.3 | N/A | 1.3 |
| Price/Sales | 1.7 | 2.0 | 1.9 | 2.6 | 4.4 | 4.7 | 3.3 | 3.2 | 2.5 | 3.4 | 3.3 | N/A | 2.1 |
| FCF Yield | 8.4% | 22.1% | 19.8% | 9.7% | 5.1% | 10.7% | -0.4% | 1.7% | 18.6% | 7.3% | 9.2% | N/A | 8.3% |
| Market Cap | 58M | 64M | 72M | 134M | 199M | 203M | 250M | 269M | 237M | 313M | 271M | 0 | 299M |
| Avg. Price | 13.68 | 16.72 | 16.95 | 25.11 | 46.26 | 51.44 | 42.19 | 47.65 | 39.15 | 43.43 | 46.79 | 0.00 | 51.55 |
| Year-End Price | 16.08 | 17.40 | 19.70 | 35.89 | 52.56 | 53.12 | 54.16 | 50.19 | 41.70 | 54.79 | 46.92 | 0.00 | 51.55 |
FIDELITY D & D BANCORP INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
FIDELITY D & D BANCORP INC trades at 11.4x trailing earnings, compared to its 15-year median P/E of 15.4x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 11.2x vs a median of 10.6x. The company's 5-year average ROIC is 12.5% with a gross margin of 78.2%. Total shareholder yield (dividends) is 3.1%. At current prices, the estimated annualized return to fair value is +17.6%.
FIDELITY D & D BANCORP INC (FDBC) has a net profit margin of 20.1%. This is a strong margin indicating high profitability.
FIDELITY D & D BANCORP INC (FDBC) generated $25 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIDELITY D & D BANCORP INC (FDBC) has a debt-to-equity ratio of 0.03. This indicates a conservatively financed balance sheet.
FIDELITY D & D BANCORP INC (FDBC) reported earnings per share (EPS) of $4.86 in its most recent fiscal year.
FIDELITY D & D BANCORP INC (FDBC) has a return on equity (ROE) of 12.7%. This indicates moderate shareholder returns.
FIDELITY D & D BANCORP INC (FDBC) has a 5-year average gross margin of 78.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FIDELITY D & D BANCORP INC (FDBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIDELITY D & D BANCORP INC (FDBC) has a book value per share of $41.17, based on its most recent annual SEC filing.