Fidelity D & D Bancorp, Inc. (FDBC) Key Metrics
FDBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $337.8M
- Enterprise value
- $265.5M
- P/E (TTM)
- 11.1 10-yr median 15.6
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.5 10-yr median 3.6
- Price / book
- 1.2 10-yr median 1.7
- EV / EBITDA
- — 10-yr median 3.6
- Dividend yield
- 2.96% $1.72 a year
- Beta
- 0.81
FDBC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFDBC valuation Price multiples at each fiscal year-end price.
FDBC returns How much profit the business earns on the capital it uses.
FDBC per-share figures Results divided by the shares outstanding at year-end.
FDBC financial health Debt, liquidity and how easily interest is covered.
FDBC efficiency & capital use Working capital cycle and where the cash goes.
FDBC valuation history
FDBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FDBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FDBC cash returned to shareholders
FDBC price vs earnings per share
FDBC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $251.8M | $281.7M | $331.8M | $267.7M | $316.4M | $297.1M | $237.8M | $243.6M | $154.5M | $88.7M |
| Enterprise value | −$55.2M | −$116.1M | $9.9M | −$151.2M | −$507.2M | −$151.7M | $96.7M | $151.3M | $21.0M | −$62.9M |
| P/E ratio | 8.9 | 13.5 | 18.2 | 8.9 | 13.2 | 22.8 | 20.5 | 22.1 | 17.7 | 11.5 |
| Price / sales | 1.8 | 2.3 | 3.2 | 2.9 | 4.0 | 4.9 | 4.9 | 5.5 | 4.0 | 2.6 |
| Price / book | 1.1 | 1.4 | 1.8 | 1.6 | 1.5 | 1.8 | 2.2 | 2.6 | 1.8 | 1.1 |
| Price / free cash flow | 10.1 | 11.3 | 14.6 | 6.1 | 67.6 | — | 11.0 | 24.2 | 11.9 | 6.2 |
| Price / operating cash flow | 5.9 | 9.5 | 11.2 | 5.4 | 44.0 | — | 9.2 | 17.8 | 11.1 | 5.6 |
| EV / sales | -0.4 | -0.9 | 0.1 | -1.6 | -6.4 | -2.5 | 2.0 | 3.4 | 0.5 | -1.8 |
| EV / EBITDA | — | — | 0.4 | — | — | — | 5.6 | 9.4 | 1.6 | — |
| EV / free cash flow | — | — | 0.4 | — | — | — | 4.5 | 15.0 | 1.6 | — |
| Earnings yield | 11.2% | 7.4% | 5.5% | 11.2% | 7.6% | 4.4% | 4.9% | 4.5% | 5.6% | 8.7% |
| Free cash flow yield | 9.9% | 8.8% | 6.9% | 16.4% | 1.5% | −0.4% | 9.1% | 4.1% | 8.4% | 16.2% |
| Dividend yield | 3.7% | 3.1% | 2.0% | 2.9% | 2.1% | 1.8% | 1.7% | 1.4% | 1.9% | 3.4% |
| Shareholder yield (dividends + buybacks) | 3.8% | 3.2% | 2.1% | 3.4% | 2.1% | 1.8% | 1.8% | 1.4% | 1.9% | 3.4% |
| Share price at fiscal year-end | $43.53 | $48.80 | $58.03 | $47.14 | $59.00 | $64.36 | $62.21 | $64.18 | $41.30 | $24.07 |
| Per share | ||||||||||
| Revenue per share | $24.27 | $21.67 | $18.29 | $16.53 | $14.87 | $13.15 | $12.72 | $11.57 | $10.35 | $9.36 |
| Earnings per share | $4.88 | $3.60 | $3.19 | $5.29 | $4.48 | $2.82 | $3.03 | $2.90 | $2.33 | $2.09 |
| Operating cash flow per share | $7.32 | $5.12 | $5.19 | $8.70 | $1.34 | $0.06 | $6.75 | $3.60 | $3.71 | $4.30 |
| Free cash flow per share | $4.29 | $4.31 | $3.98 | $7.73 | $0.87 | −$0.24 | $5.67 | $2.66 | $3.47 | $3.90 |
| Cash per share | $55.98 | $71.85 | $79.76 | $79.23 | $155.85 | $100.03 | $52.53 | $52.78 | $46.30 | $42.28 |
| Book value per share | $41.30 | $35.33 | $33.14 | $28.69 | $39.48 | $36.10 | $27.95 | $24.65 | $23.36 | $21.87 |
| Tangible book value per share | $37.80 | $31.78 | $29.50 | $24.97 | $35.46 | $34.20 | $27.84 | $24.60 | $23.30 | $21.87 |
| Dividends per share | $1.63 | $1.53 | $1.18 | $1.36 | $1.23 | $1.16 | $1.06 | $0.90 | $0.79 | $0.83 |
| Capex per share | $3.03 | $0.81 | $1.22 | $0.97 | $0.47 | $0.30 | $1.08 | $0.94 | $0.25 | $0.40 |
| Debt per share | $2.92 | $2.94 | $23.46 | $5.46 | $2.28 | $2.80 | $15.61 | $28.48 | $10.61 | $1.15 |
| Shares outstanding | 5.8M | 5.8M | 5.7M | 5.7M | 5.4M | 4.6M | 3.8M | 3.8M | 3.7M | 3.7M |
| Change in shares outstanding | +0.2% | +1.0% | +0.7% | +5.9% | +16.2% | +20.8% | +0.7% | +1.5% | +1.5% | +0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.7% | 10.6% | 10.3% | 16.0% | 12.7% | 9.5% | 11.6% | 12.2% | 10.4% | 9.8% |
| Return on assets (ROA) | 1.1% | 0.8% | 0.7% | 1.3% | 1.2% | 1.0% | 1.2% | 1.2% | 1.1% | 1.0% |
| Return on tangible assets | 1.0% | 0.8% | 0.7% | 1.3% | 1.0% | 0.8% | 1.1% | 1.1% | 1.0% | 1.0% |
| Free cash flow margin | 17.7% | 19.9% | 21.7% | 46.8% | 5.9% | −1.8% | 44.5% | 23.0% | 33.5% | 41.7% |
| Income quality (OCF / net income) | 1.50 | 1.42 | 1.63 | 1.65 | 0.30 | 0.02 | 2.23 | 1.24 | 1.59 | 2.06 |
| Financial health | ||||||||||
| Total debt | $16.9M | $17.0M | $134.1M | $31.0M | $12.2M | $12.9M | $59.7M | $108.1M | $39.7M | $4.2M |
| Cash & short-term investments | $323.8M | $414.8M | $456.0M | $450.0M | $835.9M | $461.8M | $200.8M | $200.3M | $173.2M | $155.9M |
| Net debt | −$306.9M | −$397.8M | −$321.9M | −$418.9M | −$823.6M | −$448.8M | −$141.1M | −$92.2M | −$133.5M | −$151.7M |
| Debt / equity | 0.07 | 0.08 | 0.71 | 0.19 | 0.06 | 0.08 | 0.56 | 1.16 | 0.45 | 0.05 |
| Debt / assets | 0.01 | 0.01 | 0.05 | 0.01 | 0.01 | 0.01 | 0.06 | 0.11 | 0.05 | 0.01 |
| Net debt / EBITDA | −7.94 | −13.47 | −12.40 | −10.29 | −24.64 | −22.64 | −8.20 | −5.71 | −10.24 | −11.02 |
| Current ratio | 0.14 | 0.19 | 0.22 | 0.22 | 54.55 | 0.32 | 0.25 | 0.26 | 0.23 | 0.22 |
| Quick ratio | 0.14 | 0.19 | 0.17 | 0.05 | 61.12 | 0.37 | 0.27 | 0.26 | 0.23 | 0.28 |
| Interest coverage | 0.7 | 0.5 | 0.6 | 5.5 | 7.7 | 2.9 | 1.8 | 2.7 | 3.1 | 4.4 |
| Working capital | −$2.13B | −$1.89B | −$1.78B | −$1.71B | $853.7M | −$1.03B | −$660.8M | −$634.9M | −$579.1M | −$554.2M |
| Invested capital | −$68.1M | −$193.8M | −$132.4M | −$256.0M | −$611.9M | −$282.2M | −$34.3M | $1.3M | −$46.1M | −$71.0M |
| Tangible asset value | $218.6M | $183.5M | $168.7M | $141.8M | $190.2M | $157.9M | $106.4M | $93.3M | $87.2M | $80.6M |
| Net current asset value | −$2.18B | −$1.93B | −$1.81B | −$1.72B | −$1.34B | −$1.05B | −$682.7M | −$667.0M | −$600.3M | −$554.2M |
| Graham number | $67.30 | $53.51 | $48.74 | $58.42 | $63.06 | $47.89 | $43.64 | $40.11 | $34.99 | $32.04 |
| Graham net-net per share | −$376.58 | −$335.66 | −$310.35 | −$271.63 | −$260.78 | −$235.98 | −$182.41 | −$176.81 | −$160.27 | −$156.22 |
| Capital allocation | ||||||||||
| Dividends paid | $9.4M | $8.8M | $6.8M | $7.7M | $6.6M | $5.4M | $4.0M | $3.4M | $3.0M | $3.1M |
| Share buybacks (net) | $121,000 | $79,000 | $239,000 | $1.3M | $6,000 | $4,000 | $175,000 | $0 | $11,000 | $0 |
| Dividend payout ratio | 33.3% | 42.6% | 37.1% | 25.7% | 27.5% | 41.3% | 34.9% | 30.9% | 33.9% | 39.8% |
| Dividends + buybacks / free cash flow | 38.4% | 35.9% | 30.7% | 20.5% | 141.4% | — | 19.4% | 33.7% | 22.9% | 21.3% |
| Capex / revenue | 12.5% | 3.7% | 6.7% | 5.9% | 3.2% | 2.3% | 8.5% | 8.1% | 2.4% | 4.3% |
| Capex / operating cash flow | 41.4% | 15.8% | 23.4% | 11.2% | 35.0% | 469.6% | 16.0% | 26.2% | 6.6% | 9.3% |
| Capex / depreciation | 3.19 | 0.82 | 1.22 | 1.05 | 0.46 | 0.31 | 1.25 | 1.18 | 0.30 | 0.45 |
| Stock-based compensation / revenue | 0.8% | 1.2% | 1.6% | 1.4% | 1.4% | 1.8% | 1.7% | 1.7% | 1.4% | 1.5% |
| SG&A / revenue | 25.2% | 26.3% | 28.6% | 33.1% | 35.1% | 40.1% | 40.2% | 41.6% | 45.5% | 44.1% |
| Efficiency | ||||||||||
| Days sales outstanding | 61.3 | 117.0 | 147.3 | 146.7 | 136.3 | 136.6 | 149.8 | 95.9 | 23.7 | 23.6 |
| Days of inventory on hand | — | — | 2,753.1 | 7,401.0 | -22,411.4 | -2,482.0 | -405.5 | 156.3 | -1,901.4 | -2,989.3 |
| Days payables outstanding | — | — | — | 889.0 | 3,277.2 | 474.1 | 389.9 | 493.6 | 530.6 | 673.3 |
| Cash conversion cycle (days) | — | — | — | 6,658.7 | -25,552.3 | -2,819.4 | -645.6 | -241.4 | -2,408.2 | -3,639.0 |
| Receivables turnover | 5.96 | 3.12 | 2.48 | 2.49 | 2.68 | 2.67 | 2.44 | 3.81 | 15.39 | 15.48 |
| Payables turnover | — | — | — | 0.41 | 0.11 | 0.77 | 0.94 | 0.74 | 0.69 | 0.54 |
| Inventory turnover | — | — | 0.13 | 0.05 | — | — | — | 2.33 | — | — |
| Asset turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $23.6M | $40.1M | $42.2M | $37.7M | $29.8M | $22.7M | $20.0M | $11.5M | $2.5M | $2.2M |
| Average payables | — | — | — | $16.7M | $13.2M | $9.0M | $8.3M | $7.7M | $5.5M | $4.4M |
| Average inventory | — | — | $243.0M | $139.1M | −$90.1M | −$47.3M | −$8.6M | $2.4M | −$19.8M | −$19.4M |
| Intangibles / total assets | 0.7% | 0.8% | 0.8% | 0.9% | 0.9% | 0.5% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from FDBC's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FDBC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Fidelity D & D Bancorp traded at 8.9 times earnings, against a 10-year median of 15.6. Based on the latest twelve months, the trailing P/E is 11.1. Fidelity D & D Bancorp earned a return on equity of 12.7% in fiscal 2025. It ended the year with $16.9 million of debt and $323.8 million in cash and short-term investments, a net cash position of $306.9 million. It returned $9.5 million to shareholders: $9.4 million in dividends and $0.1 million in share buybacks, 38% of free cash flow. The share count rose 56.9% from 3.7M to 5.8M over 9 years.
See the FDBC income statement, the FDBC chart for price history, or the FDBC stock overview for the latest quote and news.
FDBC key metrics FAQ
What is Fidelity D & D Bancorp's P/E ratio?
Fidelity D & D Bancorp's trailing P/E ratio is 11.1 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 8.9, compared with a 10-year median of 15.6.
What is Fidelity D & D Bancorp's return on equity?
Fidelity D & D Bancorp's return on equity (ROE) was 12.7% in fiscal 2025: net income of $28.2 million on average shareholders' equity of $221.4 million.
How much debt does Fidelity D & D Bancorp have?
Fidelity D & D Bancorp had total debt of $16.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.07 and more cash than debt.
What is Fidelity D & D Bancorp's dividend yield?
Fidelity D & D Bancorp's forward dividend yield is 2.96%. Fidelity D & D Bancorp paid $9.4 million in dividends in fiscal 2025 ($1.63 per share), a payout ratio of 33.3%.
Does Fidelity D & D Bancorp buy back its shares?
Yes. Fidelity D & D Bancorp spent $0.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +0.2% over the year, to 5.8M..
What is Fidelity D & D Bancorp's free cash flow yield?
Fidelity D & D Bancorp generated $24.8 million of free cash flow in fiscal 2025, a free cash flow yield of 9.9% on its market value at year-end ($251.8 million).
What is Fidelity D & D Bancorp's current ratio?
Fidelity D & D Bancorp's current ratio was 0.14 at the end of fiscal 2025: current assets were 0.14 times current liabilities.