← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

FDBC logoFidelity D & D Bancorp, Inc.(FDBC)Earnings, Financials & Key Ratios

FDBC•NASDAQ•Banking & Credit
$46.10
$271M mkt cap·9.4× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional 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$73M+17.5%
  • Total Revenue$140M+12.3%
  • Net Income$28M+35.6%
  • Return on Equity12.74%+20.5%
  • Net Interest Margin2.64%+10.5%
  • Efficiency Ratio41.89%-5.7%
  • ROA1.06%+29.4%
  • Equity / Assets8.69%+10.1%
  • Book Value per Share41.30+16.9%
  • Tangible BV/Share37.80+18.9%
  • Debt/Equity0.07-15.2%
Technical→

FDBC Key Insights

Fidelity D & D Bancorp, Inc. (FDBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong 5Y profit CAGR of 16.7%
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 41.9% efficiency ratio
  • ✓Healthy dividend yield of 3.5%
  • ✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

FDBC Price & Volume

Fidelity D & D Bancorp, Inc. (FDBC) stock price & volume — 10-year historical chart

Loading chart...

FDBC Growth Metrics

Fidelity D & D Bancorp, Inc. (FDBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.8%
5 Years18.26%
3 Years14.35%
TTM-

Profit CAGR

10 Years14.78%
5 Years16.69%
3 Years-2.07%
TTM35.61%

EPS CAGR

10 Years9.72%
5 Years11.59%
3 Years-2.65%
TTM34.9%

Return on Capital

10 Years10.88%
5 Years10.59%
3 Years7.42%
Last Year2.22%

FDBC Recent Earnings

Fidelity D & D Bancorp, Inc. (FDBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 22, 2026
EPS
$1.28
Revenue
$36M
Q2 2026
Mar 13, 2026
EPS
$1.37
Revenue
$36M
Q1 2026
Jan 28, 2026
EPS
$1.37
Revenue
$36M
Q4 2025
Oct 22, 2025
EPS
$1.27
Revenue
$36M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$1.28
$36M
Q2 2026Mar 13, 2026
$1.37
$36M
Q1 2026Jan 28, 2026
$1.37
$36M
Q4 2025Oct 22, 2025
$1.27
$36M
Based on last 12 quarters of dataView full earnings history →

FDBC Peer Comparison

Fidelity D & D Bancorp, Inc. (FDBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.97M21.0814.44-9.41%7.81%0.28
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor588.27M14.0719.5413.88%5.48%1.08
PBFS logoPBFSPioneer Bancorp, Inc.Direct Competitor373.39M14.8919.59-10.72%6.43%
FXNC logoFXNCFirst National CorporationDirect Competitor252.79M27.9614.2727.11%9.98%0.23
FUNC logoFUNCFirst United CorporationDirect Competitor248.05M38.1812.1216.94%12.52%1.05
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.35B45.0713.5310.36%9.51%0.17
FULT logoFULTFulton Financial CorporationProduct Competitor4.13B21.4510.315.03%11.6%0.37
CCNE logoCCNECNB Financial CorporationProduct Competitor912.79M30.9712.3412.46%8.88%0.38

Compare FDBC vs Peers

Fidelity D & D Bancorp, Inc. (FDBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for FDBC.

Scale Benchmark

vs V

Larger-name benchmark to compare FDBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NFBK, PBFS, FXNC

FDBC Income Statement

Fidelity D & D Bancorp, Inc. (FDBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income27.84M30.46M31.71M44.19M61.83M72.27M62.05M61.87M72.67M
NII Growth %10.76%9.4%4.13%39.32%39.93%16.89%-14.15%-0.29%17.47%
Net Interest Margin %3.22%3.1%3.14%2.6%2.56%3.04%2.48%2.39%2.64%
Interest Income31.06M35.33M39.27M49.5M65.47M78.67M93.83M107.02M119.84M
Interest Expense3.22M4.87M7.55M5.31M3.64M6.4M31.79M45.16M47.17M
Loan Loss Provision572K805K229K1.65M-2.17M464K427K493K1.27M
Non-Interest Income7.65M8.57M9.35M11.21M14.3M15.21M10.72M18.05M20.56M
Non-Interest Income %19.77%19.53%19.23%18.46%17.93%16.2%10.25%14.43%14.64%
Total Revenue
38.72M▲ 0%
43.9M▲ 13.4%
48.62M▲ 10.7%
60.7M▲ 24.9%
79.77M▲ 31.4%
93.89M▲ 17.7%
104.56M▲ 11.4%
125.08M▲ 19.6%
140.4M▲ 12.3%
Revenue Growth %12.24%13.39%10.74%24.85%31.41%17.7%11.37%19.62%12.25%
Non-Interest Expense25M25.09M26.93M38.46M50.29M51.56M52.09M55.55M58.82M
Efficiency Ratio64.57%57.15%55.4%63.36%63.05%54.91%49.82%44.42%41.89%
Operating Income
9.92M▲ 0%
13.13M▲ 32.4%
13.9M▲ 5.8%
15.28M▲ 9.9%
28.01M▲ 83.3%
35.47M▲ 26.6%
20.26M▼ 42.9%
23.88M▲ 17.9%
33.14M▲ 38.8%
Operating Margin %25.63%29.92%28.59%25.18%35.11%37.78%19.37%19.1%23.61%
Operating Income Growth %-5.16%32.38%5.84%9.94%83.26%26.63%-42.89%17.91%38.77%
Pretax Income
9.92M▲ 0%
13.13M▲ 32.4%
13.9M▲ 5.8%
15.28M▲ 9.9%
28.01M▲ 83.3%
35.47M▲ 26.6%
20.26M▼ 42.9%
23.87M▲ 17.9%
33.14M▲ 38.8%
Pretax Margin %25.63%29.92%28.59%25.18%35.11%37.78%19.37%19.09%23.61%
Income Tax1.21M2.13M2.33M2.25M4M5.45M2.05M3.08M4.95M
Effective Tax Rate %12.15%16.21%16.73%14.71%14.28%15.36%10.1%12.89%14.92%
Net Income
8.72M▲ 0%
11.01M▲ 26.3%
11.58M▲ 5.2%
13.04M▲ 12.6%
24.01M▲ 84.2%
30.02M▲ 25.0%
18.21M▼ 39.3%
20.79M▲ 14.2%
28.2M▲ 35.6%
Net Margin %22.51%25.07%23.81%21.47%30.1%31.98%17.42%16.63%20.08%
Net Income Growth %13.3%26.27%5.18%12.6%84.18%25.05%-39.34%14.19%35.61%
Net Income (Continuing)8.72M11.01M11.58M13.04M24.01M30.02M18.21M20.79M28.2M
EPS (Diluted)
2.33▲ 0%
2.90▲ 24.5%
3.03▲ 4.5%
2.82▼ 6.9%
4.48▲ 58.9%
5.29▲ 18.1%
3.19▼ 39.7%
3.60▲ 12.9%
4.88▲ 35.6%
EPS Growth %11.48%24.46%4.48%-6.93%58.87%18.08%-39.7%12.85%35.56%
EPS (Basic)2.352.933.062.844.515.323.213.634.88
Diluted Shares Outstanding3.74M3.8M3.82M4.62M5.36M5.68M5.72M5.77M5.78M

FDBC Balance Sheet

Fidelity D & D Bancorp, Inc. (FDBC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments173.21M200.29M200.78M461.77M835.86M449.95M455.99M414.81M672.01M
Cash & Due from Banks15.82M17.48M15.66M69.35M96.88M29.09M111.95M83.35M148.06M
Short Term Investments157.38M182.81M185.12M392.42M738.98M420.86M344.04M331.46M523.95M
Total Investments789.31M890.02M914.44M1.51B2.16B2.16B2.2B2.31B2.4B
Investments Growth %9.27%12.76%2.74%64.89%43.41%-0.15%2%4.93%3.68%
Long-Term Investments631.92M707.21M729.32M1.12B1.42B1.74B1.86B1.98B2.22B
Accounts Receivables2.79M3.27M3.28M5.71M7.53M8.49M9.09M9.63M9.67M
Goodwill & Intangibles209K209K209K8.79M21.57M21.17M20.81M20.5M20.24M
Goodwill209K209K209K7.05M19.63M19.63M19.63M19.63M19.63M
Intangible Assets0001.73M1.94M1.54M1.18M876K614K
PP&E (Net)16.58M19.25M27.86M34.99M39.62M41.04M43.18M45.67M48.95M
Other Assets38.94M33.86M32.12M52.76M64.86M86.15M82.11M86.61M-2.22B
Total Current Assets176M220.57M220.42M487.57M869.62M491.66M498.68M452.27M672.01M
Total Non-Current Assets687.64M760.53M789.51M1.21B1.55B1.89B2B2.13B69.19M
Total Assets
863.64M▲ 0%
981.1M▲ 13.6%
1.01B▲ 2.9%
1.7B▲ 68.3%
2.42B▲ 42.3%
2.38B▼ 1.7%
2.5B▲ 5.2%
2.58B▲ 3.3%
2.75B▲ 6.3%
Asset Growth %8.92%13.6%2.94%68.28%42.34%-1.68%5.25%3.25%6.32%
Return on Assets (ROA)1.05%1.19%1.16%0.96%1.17%1.25%0.75%0.82%1.06%
Accounts Payable6.4M8.96M7.67M10.4M15.94M17.48M000
Total Debt39.71M108.07M59.68M12.94M21.57M31.03M134.12M16.99M16.87M
Net Debt23.88M90.58M44.02M-56.41M-75.31M1.94M22.17M-66.36M-131.19M
Long-Term Debt21.2M31.7M15M5M10.62M7.62M7.37M6.27M6M
Short-Term Debt18.5M76.37M37.84M0012.94M117M0944K
Other Liabilities00000021.13M22.84M2.49B
Total Current Liabilities755.05M855.5M881.25M1.52B2.19B2.2B2.28B2.34B20K
Total Non-Current Liabilities21.2M32.04M21.84M12.94M21.57M18.09M38.26M39.83M2.51B
Total Liabilities776.25M887.54M903.09M1.53B2.21B2.22B2.31B2.38B2.51B
Total Equity
87.38M▲ 0%
93.56M▲ 7.1%
106.83M▲ 14.2%
166.67M▲ 56.0%
211.73M▲ 27.0%
162.95M▼ 23.0%
189.48M▲ 16.3%
203.97M▲ 7.6%
238.86M▲ 17.1%
Equity Growth %8.37%7.07%14.19%56.01%27.03%-23.04%16.28%7.65%17.11%
Equity / Assets (Capital Ratio)10.12%9.54%10.58%9.81%8.75%6.85%7.57%7.89%8.69%
Return on Equity (ROE)10.38%12.17%11.55%9.53%12.69%16.02%10.33%10.57%12.74%
Book Value per Share23.3624.6527.9536.1039.4828.6933.1435.3341.30
Tangible BV per Share23.3024.6027.9034.2035.4624.9729.5031.7837.80
Common Stock28.36M29.71M30.85M77.68M114.11M115.61M117.69M119.43M120.75M
Additional Paid-in Capital000000000
Retained Earnings57.22M64.94M72.39M80.04M97.44M119.75M128.25M140.11M158.81M
Accumulated OCI1.8M-1.09M3.6M8.95M179K-71.15M-56.47M-55.57M-40.7M
Treasury Stock00000-1.26M000
Preferred Stock000000000

FDBC Cash Flow Statement

Fidelity D & D Bancorp, Inc. (FDBC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations13.89M13.65M25.79M296K7.2M49.43M29.69M29.56M42.36M
Operating CF Growth %-12.43%-1.71%88.91%-98.85%2332.09%586.58%-39.93%-0.43%43.29%
Net Income8.72M11.01M11.58M13.04M24.01M30.02M18.21M20.79M28.2M
Depreciation & Amortization3.11M3.03M3.3M4.54M5.42M5.25M5.7M5.67M5.5M
Deferred Taxes-666K1.02M341K-400K1.19M1.83M-593K-1.17M-1.5M
Other Non-Cash Items5.2M-1.85M10.12M-17.75M-27.64M11.38M4.32M104K8.55M
Working Capital Changes-3.03M-305K-368K-202K3.12M-331K408K2.72M527K
Cash from Investing-69.84M-117.12M-34M-164.24M-303.24M-115.39M-35.27M-113.59M-95.25M
Purchase of Investments-55.02M-63.57M-43.38M-271.5M-411.41M-42.09M0-15.39M0
Sale/Maturity of Investments26.55M33.95M46M192.37M98.69M42.44M85.31M22.79M1.19M
Net Investment Activity-28.47M-29.62M2.61M-79.14M-312.72M353K85.31M7.4M1.19M
Acquisitions11.82M0053M-3.75M0000
Other Investing-52.27M-83.92M-32.48M-136.72M15.74M-110.23M-113.63M-116.32M-96.44M
Cash from Financing45.94M105.13M6.39M217.63M323.57M-1.82M88.44M55.43M117.6M
Dividends Paid-2.95M-3.4M-4.04M-5.38M-6.61M-7.71M-6.75M-8.85M-9.4M
Share Repurchases00-175K00-1.28M-239K-79K-121K
Stock Issued00175K00000248K
Net Stock Activity00000-1.28M-239K-79K127K
Debt Issuance (Net)1000K1000K-1000K-1000K-1000K1000K1000K-1000K-465K
Other Financing13.41M40.2M65.73M278.56M352.17M-2.66M-8.16M182.68M127.34M
Net Change in Cash
-10.02M▲ 0%
1.66M▲ 116.6%
-1.82M▼ 209.8%
53.68M▲ 3046.4%
27.53M▼ 48.7%
-67.79M▼ 346.2%
82.86M▲ 222.2%
-28.6M▼ 134.5%
64.71M▲ 326.3%
Exchange Rate Effect000000000
Cash at Beginning25.84M15.82M17.48M15.66M69.35M96.88M29.09M111.95M83.35M
Cash at End15.82M17.48M15.66M69.35M96.88M29.09M111.95M83.35M148.06M
Interest Paid3.06M4.69M7.44M5.82M3.85M6.11M29.19M43.21M46.45M
Income Taxes Paid2.7M600K1.95M3.25M2.65M3.05M2.59M4.42M4.59M
Free Cash Flow
12.97M▲ 0%
10.08M▼ 22.3%
21.66M▲ 114.9%
-1.09M▼ 105.1%
4.68M▲ 527.7%
43.91M▲ 838.5%
22.74M▼ 48.2%
24.9M▲ 9.5%
24.82M▼ 0.3%
FCF Growth %-9.85%-22.27%114.9%-105.05%527.7%838.51%-48.22%9.51%-0.3%

FDBC Banking Ratios

Fidelity D & D Bancorp, Inc. (FDBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.8%10.38%12.17%11.55%9.53%12.69%16.02%10.33%10.57%12.74%
Return on Assets (ROA)1.01%1.05%1.19%1.16%0.96%1.17%1.25%0.75%0.82%1.06%
Net Interest Margin3.17%3.22%3.1%3.14%2.6%2.56%3.04%2.48%2.39%2.64%
Efficiency Ratio62.79%64.57%57.15%55.4%63.36%63.05%54.91%49.82%44.42%41.89%
Equity / Assets10.17%10.12%9.54%10.58%9.81%8.75%6.85%7.57%7.89%8.69%
Book Value / Share21.8723.3624.6527.9536.139.4828.6933.1435.3341.3
NII Growth7.03%10.76%9.4%4.13%39.32%39.93%16.89%-14.15%-0.29%17.47%
Dividend Payout39.79%33.89%30.86%34.87%41.26%27.52%25.68%37.07%42.56%33.35%

FDBC SEC Filings & Documents

Fidelity D & D Bancorp, Inc. (FDBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Feb 5, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 20, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

FDBC Frequently Asked Questions

Fidelity D & D Bancorp, Inc. (FDBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Fidelity D & D Bancorp, Inc. (FDBC) grew revenue by 12.3% over the past year. This is steady growth.

Yes, Fidelity D & D Bancorp, Inc. (FDBC) is profitable, generating $28.2M in net income for fiscal year 2025 (20.1% net margin).

Dividend & Returns

Yes, Fidelity D & D Bancorp, Inc. (FDBC) pays a dividend with a yield of 3.53%. This makes it attractive for income-focused investors.

Fidelity D & D Bancorp, Inc. (FDBC) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.

Industry Metrics

Fidelity D & D Bancorp, Inc. (FDBC) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Fidelity D & D Bancorp, Inc. (FDBC) has an efficiency ratio of 41.9%. This is excellent, indicating strong cost control.

Explore More FDBC

Fidelity D & D Bancorp, Inc. (FDBC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.