Fidelity D & D Bancorp, Inc. (FDBC) AI Stock Analysis

Fidelity D & D Bancorp, Inc. operates as the holding company for The Fidelity Deposit and Discount Bank, founded in 1902 in Dunmore, Pennsylvania. The institution employs 298 people and offers consumer, small business, and commercial banking services. Core deposit products include savings, checking, money market accounts, and certificates of deposit. Its lending activities span commercial and industrial loans, commercial real estate financing, consumer loans, and residential mortgages. In addition to traditional banking services, the company provides alternative financial products, insurance solutions, and asset management services tailored to individual and business clients.

Annual revenue expanded from $79.8M in FY2021 to $140.4M in FY2025, driven by annual growth rates of 31.4% in FY2021, 17.7% in FY2022, 11.4% in FY2023, 19.6% in FY2024, and 12.3% in FY2025. Over the same period, net income rose from $24.0M in FY2021 to a high of $30.0M in FY2022, before reaching $28.2M in FY2025 alongside diluted earnings per share of $4.87. Operating margin finished FY2025 at 23.6%, up from 19.1% in FY2024. For the trailing twelve months ended June 30, 2026, revenue stood at $96.5M with an operating margin of 38.6%. In the latest quarter ended June 30, 2026, quarterly revenue grew 11.1% year-over-year while quarterly earnings increased 10.8%.

As of June 30, 2026, Fidelity D & D Bancorp held $716.7M in cash and short-term investments against total debt of $124.6M, resulting in net cash of $592.1M. Shareholders' equity totaled $252.9M, supporting a debt-to-equity ratio of 0.49 and total assets of $2.97B, alongside a current ratio of 0.27. In FY2025, the company generated $42.4M in operating cash flow and $24.8M in free cash flow. Capital allocation in FY2025 included $17.5M in capital expenditures, $9.4M in dividends paid, and $121,000 directed toward share buybacks.

At a last close price of $58.15 on October 16, 2026, Fidelity D & D Bancorp had a market capitalization of $337.8M and an enterprise value of $265.5M. The stock trades at a trailing price-to-earnings ratio of 11.1x, below the 12.1x median of its US-listed Financial Services peers. Its price-to-sales multiple is 3.5x compared to the peer median of 3.2x, while its price-to-book ratio is 1.2x. Over the trailing 1-year period, the stock gained 45.8%, outperforming the S&P 500 benchmark return of 16.8%. Over 5 years, the stock returned 34.8% compared to 83.0% for the benchmark.

Fidelity D & D Bancorp pays a quarterly dividend with an annualized forward rate of $1.72 per share, representing a dividend yield of 2.97%. The bank has paid dividends for 27 consecutive years, posting a 5-year annualized dividend growth rate of 7.4%. Its payout ratio is 32.8% of earnings, and the stock had its last ex-dividend date on August 14, 2026.

Wall Street analyst consensus ratings and target prices are not published for Fidelity D & D Bancorp. The company's trailing twelve months diluted earnings per share stands at $5.26, supported by quarterly earnings growth of 10.8% in the quarter ended June 30, 2026. The bank's next earnings report is scheduled for October 28, 2026. Insiders own 21.3% of the company, institutional investors hold 26.3%, and the short interest represents 0.9% of the float.

This page is an AI-written research summary of Fidelity D & D Bancorp, Inc. (FDBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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