Fidelity D & D Bancorp, Inc. (FDBC) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Fidelity D & D Bancorp, Inc. serves as the parent company for The Fidelity Deposit and Discount Bank, offering a comprehensive suite of banking, trust, and financial solutions. Its diverse clientele includes individual consumers, small to medium-sized businesses, and larger corporate entities.
Analysis Summary
Fidelity D & D Bancorp, Inc. reported revenue of $140.4M in the most recent fiscal year, growing at a 5-year CAGR of 18.3%. Net income reached $28.2M, with a 16.7% 5-year CAGR.
Trailing-twelve-month margins: gross margin 66.7%, operating margin 24.7%, net margin 21.2%.
At the current price of $54.74, FDBC trades at a P/E of 10.51 and an ROE of 12.67%. Market capitalisation stands at $318M.
Balance sheet quality for FDBC: current ratio of 0.1, net cash position of $306.9M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is decent: free cash flow of $24.8M represents 88% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $54.74 |
| Market Cap | $318M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.51 |
| Price / Book | 1.29 |
| EV / EBITDA | 5.89 |
| Dividend Yield | 3.10% |
Profitability
| Return on Equity | 12.67% |
| Return on Invested Capital | 7.40% |
| Return on Assets | 1.03% |
| Gross Margin | 66.71% |
| Operating Margin | 24.72% |
| Net Margin | 21.15% |
Financial Health
| Debt / Equity | 0.49 |
| Current Ratio | 0.27 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FDBC | Fidelity D & D Bancorp, Inc. | $318M | 10.51 | 1.29 | 12.7% |
| 0O84.L | DNB Bank ASA | $480.5B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $114.8B | 13.22 | 1.73 | 13.9% |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 12.92 | 1.48 | 12.3% |
Price Performance
| 1 month | +2.74% |
| 3 months | +14.19% |
| Year-to-date | +30.30% |
| 1 year | +26.49% |
| 3 years | +23.28% |
| 5 years | +10.14% |
52-Week Range
| 52-week High | $56.94 |
| 52-week Low | $39.87 |
| Avg Volume (90d) | 11K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-14 | $0.4300 | 3.14% |
| 2026-05-20 | $0.4300 | 3.14% |
| 2026-02-13 | $0.4300 | 3.14% |
| 2025-11-14 | $0.4300 | 3.14% |
| 2025-08-15 | $0.4000 | 2.92% |
| 2025-05-20 | $0.4000 | 2.92% |
| 2025-02-14 | $0.4000 | 2.92% |
| 2024-11-15 | $0.4000 | 2.92% |
| 2024-08-20 | $0.3800 | 2.78% |
| 2024-05-17 | $0.3800 | 2.78% |
Related companies: COSO · CZFS · FNLC · FUNC · ISTR · LNKB · NECB
Explore sector: Financial Services · Banks - Regional
More sections of FDBC: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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