Fidelity D & D Bancorp (FDBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Fidelity D & D Bancorp

NasdaqGM•Financial Services•Banks - Regional

$55.07+0.05(<0.01%)Market closed

Market Cap

$323.25M

P/E

10.6x

P/S

3.3x

P/B

1.3x

Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. The company accepts savings, club, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans. In addition, the company provides government and healthcare banking services, cash management and merchant services, and credit and debit cards; and alternative financial and insurance products with asset management services, as well as online banking, telephone banking, and digital wallet. The company was founded in 1902 and is headquartered in Dunmore, Pennsylvania.

How this company scores

WeakMetricSide Score: 78/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (16/25).

Profitability23/25

Growth21/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality16/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.6x5y range 8.5x – 18.8x

Currently near its 20-quarter median.

P/S · 3.3x5y range 2.6x – 4.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 2.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Share Dilution

Watch

Shares outstanding rose 2.3% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume

Market Cap $323.25M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $98.77M
Q. Revenue: $26.24M
TTM EBITDA: $20.37M
TTM Op. Income: $14.85M
Q. Op. Income: $4.03M
TTM Net Income: $30.59M
Q. Net Income: $7.85M
EPS: $1.34
Shares Out.: $5.87M

$98.77M in TTM revenue grew 13.6% YoY, reaching $26.24M last quarter. TTM EBITDA of $20.37M and TTM operating income of $14.85M show growth is flowing through to the bottom line. TTM net income of $30.59M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 20.7%
Op. Margin: 15.3%
Net Margin: 29.9%

Op. margin of 15.3% is up 2.9% YoY — cost efficiency is improving. Net margin at 29.9% Over the past year, operating margin is up 23% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.6x
P/S Ratio: 3.3x
P/B Ratio: 1.3x

At 10.6x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 6% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.97B
Cash: $207.66M
Long-Term Debt: $4.77M
Book Value: $252.91M
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $2.97B in assets and $4.77M in long-term debt, D/E is 0.0and book value is $252.91M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $20.53M
TTM Free Cash Flow: $26.83M
FCF Margin: 27.2%
FCF / Net Income: 0.9

TTM FCF of $26.83M on $20.53M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 16% — an improving trend.