Fidelity D & D Bancorp, Inc. (FDBC) 10-Year Financial Performance & Capital Metrics

FDBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutFidelity 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, clubs, 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 alternative financial and insurance products with asset management services. As of April 21, 2022, it operated 22 full-service banking offices in Lackawanna, Luzerne, and Northampton counties, Pennsylvania. Fidelity D & D Bancorp, Inc. was founded in 1902 and is headquartered in Dunmore, Pennsylvania.Show more

Net Interest Income $62M -0.3%
Total Revenue $125M +19.6%
Net Income $21M +14.2%
Return on Equity 10.57% +2.3%
Net Interest Margin 2.39% -3.4%
Efficiency Ratio 44.42% -10.8%
ROA 0.82% +9.6%
Equity / Assets 7.89% +4.3%
Book Value per Share 35.33 +6.6%
Tangible BV/Share 31.78 +7.7%
Debt/Equity 0.08 -88.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Efficient operations: 44.4% efficiency ratio
✓Healthy dividend yield of 3.5%
✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y14.75%

5Y20.8%

3Y16.17%

TTM-

Profit (Net Income) CAGR

10Y12.59%

5Y12.43%

3Y-4.68%

TTM69.13%

EPS CAGR

10Y7.48%

5Y3.51%

3Y-7.03%

TTM68.28%

ROCE

10Y Avg11.79%

5Y Avg12.13%

3Y Avg12.39%

Latest10.13%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	23.48M	25.14M	27.84M	30.46M	31.71M	44.19M	61.83M	72.27M	62.05M	61.87M
NII Growth %	0.07%	0.07%	0.11%	0.09%	0.04%	0.39%	0.4%	0.17%	-0.14%	-0%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	26.01M	27.5M	31.06M	35.33M	39.27M	49.5M	65.47M	78.67M	93.83M	107.02M
Interest Expense	2.53M	2.36M	3.22M	4.87M	7.55M	5.31M	3.64M	6.4M	31.79M	45.16M
Loan Loss Provision	-116K	16K	572K	805K	229K	1.65M	-2.17M	464K	427K	493K
Non-Interest Income+	6.37M	7M	7.65M	8.57M	9.35M	11.21M	14.3M	15.21M	10.72M	18.05M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	32.38M	34.5M	38.72M	43.9M	48.62M	60.7M	79.77M	93.89M	104.56M	125.08M
Revenue Growth %	0.02%	0.07%	0.12%	0.13%	0.11%	0.25%	0.31%	0.18%	0.11%	0.2%
Non-Interest Expense	21.05M	21.66M	25M	25.09M	26.93M	38.46M	50.29M	51.56M	52.09M	55.55M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	8.92M	10.46M	9.92M	13.13M	13.9M	15.28M	28.01M	35.47M	20.26M	23.88M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.05%	0.17%	-0.05%	0.32%	0.06%	0.1%	0.83%	0.27%	-0.43%	0.18%
Pretax Income+	8.92M	10.46M	9.92M	13.13M	13.9M	15.28M	28.01M	35.47M	20.26M	23.87M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.82M	2.77M	1.21M	2.13M	2.33M	2.25M	4M	5.45M	2.05M	3.08M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.1M	7.69M	8.72M	11.01M	11.58M	13.04M	24.01M	30.02M	18.21M	20.79M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.12%	0.08%	0.13%	0.26%	0.05%	0.13%	0.84%	0.25%	-0.39%	0.14%
Net Income (Continuing)	7.1M	7.69M	8.72M	11.01M	11.58M	13.04M	24.01M	30.02M	18.21M	20.79M
EPS (Diluted)+	1.93	2.09	2.33	2.90	3.03	2.82	4.48	5.29	3.19	3.60
EPS Growth %	0.1%	0.08%	0.11%	0.24%	0.04%	-0.07%	0.59%	0.18%	-0.4%	0.13%
EPS (Basic)	1.94	2.09	2.35	2.93	3.06	2.84	4.51	5.32	3.21	3.63
Diluted Shares Outstanding	3.67M	3.69M	3.74M	3.8M	3.82M	4.62M	5.36M	5.68M	5.72M	5.77M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	12.28M	25.84M	15.82M	17.48M	15.66M	69.35M	96.88M	29.09M	111.95M	83.35M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	674.41M	722.33M	789.31M	890.02M	914.44M	1.51B	2.16B	2.16B	2.2B	2.31B
Investments Growth %	0.11%	0.07%	0.09%	0.13%	0.03%	0.65%	0.43%	-0%	0.02%	0.05%
Long-Term Investments	549.18M	592.29M	631.92M	707.21M	729.32M	1.12B	1.42B	1.74B	1.86B	1.98B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	209K	209K	209K	7.05M	19.63M	19.63M	19.63M	19.63M
Intangible Assets	0	0	0	0	0	1.73M	1.94M	1.54M	1.18M	876K
PP&E (Net)	16.72M	17.16M	16.58M	19.25M	27.86M	34.99M	39.62M	41.04M	43.18M	45.67M
Other Assets	23.74M	25.36M	38.94M	33.86M	32.12M	52.76M	64.86M	86.15M	82.11M	86.61M
Total Current Assets	139.7M	158.13M	176M	220.57M	220.42M	487.57M	869.62M	491.66M	498.68M	452.27M
Total Non-Current Assets	589.64M	634.82M	687.64M	760.53M	789.51M	1.21B	1.55B	1.89B	2B	2.13B
Total Assets+	729.36M	792.94M	863.64M	981.1M	1.01B	1.7B	2.42B	2.38B	2.5B	2.58B
Asset Growth %	0.08%	0.09%	0.09%	0.14%	0.03%	0.68%	0.42%	-0.02%	0.05%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	4.13M	4.63M	6.4M	8.96M	7.67M	10.4M	15.94M	17.48M	0	0
Total Debt+	28.2M	4.22M	39.71M	108.07M	59.68M	12.94M	21.57M	31.03M	134.12M	16.99M
Net Debt	15.93M	-21.62M	23.88M	90.58M	44.02M	-56.41M	-75.31M	1.94M	22.17M	-66.36M
Long-Term Debt	0	0	21.2M	31.7M	15M	5M	10.62M	7.62M	7.37M	6.27M
Short-Term Debt	28.2M	4.22M	18.5M	76.37M	37.84M	0	0	12.94M	117M	0
Other Liabilities	653.01M	708.09M	0	0	0	0	0	0	21.13M	22.84M
Total Current Liabilities	653.01M	712.31M	755.05M	855.5M	881.25M	1.52B	2.19B	2.2B	2.28B	2.34B
Total Non-Current Liabilities	0	0	21.2M	32.04M	21.84M	12.94M	21.57M	18.09M	38.26M	39.83M
Total Liabilities	653.01M	712.31M	776.25M	887.54M	903.09M	1.53B	2.21B	2.22B	2.31B	2.38B
Total Equity+	76.35M	80.63M	87.38M	93.56M	106.83M	166.67M	211.73M	162.95M	189.48M	203.97M
Equity Growth %	0.06%	0.06%	0.08%	0.07%	0.14%	0.56%	0.27%	-0.23%	0.16%	0.08%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.1%	0.1%	0.12%	0.12%	0.1%	0.13%	0.16%	0.1%	0.11%
Book Value per Share	20.78	21.87	23.36	24.65	27.95	36.10	39.48	28.69	33.14	35.33
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	26.7M	27.16M	28.36M	29.71M	30.85M	77.68M	114.11M	115.61M	117.69M	119.43M
Additional Paid-in Capital	26.7M	27.16M	0	0	0	0	0	0	0	0
Retained Earnings	47.46M	52.09M	57.22M	64.94M	72.39M	80.04M	97.44M	119.75M	128.25M	140.11M
Accumulated OCI	-24.51M	-25.77M	1.8M	-1.09M	3.6M	8.95M	179K	-71.15M	-56.47M	-55.57M
Treasury Stock	0	0	0	0	0	0	0	-1.26M	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	15.72M	15.86M	13.89M	13.65M	25.79M	296K	7.2M	49.43M	29.69M	29.56M
Operating CF Growth %	0.99%	0.01%	-0.12%	-0.02%	0.89%	-0.99%	23.32%	5.87%	-0.4%	-0%
Net Income	7.1M	7.69M	8.72M	11.01M	11.58M	13.04M	24.01M	30.02M	18.21M	20.79M
Depreciation & Amortization	3.57M	3.3M	3.11M	3.03M	3.3M	4.54M	5.42M	5.25M	5.7M	5.67M
Deferred Taxes	1.65M	1.25M	-666K	1.02M	341K	-400K	1.19M	1.83M	-593K	-1.17M
Other Non-Cash Items	1.76M	4.71M	5.2M	-1.85M	10.12M	-17.75M	-27.64M	11.38M	4.32M	104K
Working Capital Changes	1.43M	-1.62M	-3.03M	-305K	-368K	-202K	3.12M	-331K	408K	2.72M
Cash from Investing+	-74.62M	-58.16M	-69.84M	-117.12M	-34M	-164.24M	-303.24M	-115.39M	-35.27M	-113.59M
Purchase of Investments	-65.42M	-30.65M	-55.02M	-63.57M	-43.38M	-271.5M	-411.41M	-42.09M	0	-15.39M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	11.82M	0	0	53M	-3.75M	0	0	0
Other Investing	-43.27M	-49.29M	-52.27M	-83.92M	-32.48M	-136.72M	15.74M	-110.23M	-113.63M	-116.32M
Cash from Financing+	45.33M	55.87M	45.94M	105.13M	6.39M	217.63M	323.57M	-1.82M	88.44M	55.43M
Dividends Paid	-2.84M	-3.06M	-2.95M	-3.4M	-4.04M	-5.38M	-6.61M	-7.71M	-6.75M	-8.85M
Share Repurchases	0	0	0	0	-175K	0	0	-1.28M	-239K	-79K
Stock Issued	0	0	0	0	175K	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	33.93M	82.91M	13.41M	40.2M	65.73M	278.56M	352.17M	-2.66M	-8.16M	182.68M
Net Change in Cash+	-13.57M	13.57M	-10.02M	1.66M	-1.82M	53.68M	27.53M	-67.79M	82.86M	-28.6M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	25.85M	12.28M	25.84M	15.82M	17.48M	15.66M	69.35M	96.88M	29.09M	111.95M
Cash at End	12.28M	25.84M	15.82M	17.48M	15.66M	69.35M	96.88M	29.09M	111.95M	83.35M
Interest Paid	2.49M	2.37M	3.06M	4.69M	7.44M	5.82M	3.85M	6.11M	29.19M	43.21M
Income Taxes Paid	400K	800K	2.7M	600K	1.95M	3.25M	2.65M	3.05M	2.59M	4.42M
Free Cash Flow+	14.13M	14.38M	12.97M	10.08M	21.66M	-1.09M	4.68M	43.91M	22.74M	24.9M
FCF Growth %	1.87%	0.02%	-0.1%	-0.22%	1.15%	-1.05%	5.28%	8.39%	-0.48%	0.1%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.56%	9.8%	10.38%	12.17%	11.55%	9.53%	12.69%	16.02%	10.33%	10.57%
Return on Assets (ROA)	1.01%	1.01%	1.05%	1.19%	1.16%	0.96%	1.17%	1.25%	0.75%	0.82%
Net Interest Margin	3.22%	3.17%	3.22%	3.1%	3.14%	2.6%	2.56%	3.04%	2.48%	2.39%
Efficiency Ratio	65%	62.79%	64.57%	57.15%	55.4%	63.36%	63.05%	54.91%	49.82%	44.42%
Equity / Assets	10.47%	10.17%	10.12%	9.54%	10.58%	9.81%	8.75%	6.85%	7.57%	7.89%
Book Value / Share	20.78	21.87	23.36	24.65	27.95	36.1	39.48	28.69	33.14	35.33
NII Growth	7.11%	7.03%	10.76%	9.4%	4.13%	39.32%	39.93%	16.89%	-14.15%	-0.29%
Dividend Payout	40.04%	39.79%	33.89%	30.86%	34.87%	41.26%	27.52%	25.68%	37.07%	42.56%

Revenue by Segment

	2020	2021
Credit And Debit Card	3.15M	4.29M
Credit And Debit Card Growth	-	35.93%
Deposit Account	2.12M	2.62M
Deposit Account Growth	-	23.90%
Fiduciary And Trust	1.78M	2.25M
Fiduciary And Trust Growth	-	26.22%
Loans	1.68M	1.98M
Loans Growth	-	17.79%
Investment Advisory Management And Administrative Service	749K	984K
Investment Advisory Management And Administrative Service Growth	-	31.38%
Financial Service Other	813K	902K
Financial Service Other Growth	-	10.95%

Frequently Asked Questions

Valuation & Price

Fidelity D & D Bancorp, Inc. (FDBC) has a price-to-earnings (P/E) ratio of 12.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Fidelity D & D Bancorp, Inc. (FDBC) grew revenue by 19.6% over the past year. This is strong growth.

Yes, Fidelity D & D Bancorp, Inc. (FDBC) is profitable, generating $26.1M in net income for fiscal year 2024 (16.6% net margin).

Dividend & Returns

Yes, Fidelity D & D Bancorp, Inc. (FDBC) pays a dividend with a yield of 3.49%. This makes it attractive for income-focused investors.

Fidelity D & D Bancorp, Inc. (FDBC) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.

Industry Metrics

Fidelity D & D Bancorp, Inc. (FDBC) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.

Fidelity D & D Bancorp, Inc. (FDBC) has an efficiency ratio of 44.4%. This is excellent, indicating strong cost control.

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