8-K Announcements
6Apr 22, 2026·SEC
Feb 5, 2026·SEC
Jan 28, 2026·SEC
Fidelity D & D Bancorp, Inc. (FDBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Fidelity D & D Bancorp, Inc. (FDBC) stock price & volume — 10-year historical chart
Fidelity D & D Bancorp, Inc. (FDBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Fidelity D & D Bancorp, Inc. (FDBC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.28 | $36M |
| Q2 2026 | Mar 13, 2026 | $1.37 | $36M |
| Q1 2026 | Jan 28, 2026 | $1.37 | $36M |
| Q4 2025 | Oct 22, 2025 | $1.27 | $36M |
Fidelity D & D Bancorp, Inc. (FDBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Fidelity D & D Bancorp, Inc. (FDBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Fidelity D & D Bancorp, Inc. (FDBC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 27.84M | 30.46M | 31.71M | 44.19M | 61.83M | 72.27M | 62.05M | 61.87M | 72.67M |
| 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 Income | 31.06M | 35.33M | 39.27M | 49.5M | 65.47M | 78.67M | 93.83M | 107.02M | 119.84M |
| Interest Expense | 3.22M | 4.87M | 7.55M | 5.31M | 3.64M | 6.4M | 31.79M | 45.16M | 47.17M |
| Loan Loss Provision | 572K | 805K | 229K | 1.65M | -2.17M | 464K | 427K | 493K | 1.27M |
| Non-Interest Income | 7.65M | 8.57M | 9.35M | 11.21M | 14.3M | 15.21M | 10.72M | 18.05M | 20.56M |
| 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 Expense | 25M | 25.09M | 26.93M | 38.46M | 50.29M | 51.56M | 52.09M | 55.55M | 58.82M |
| Efficiency Ratio | 64.57% | 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 Tax | 1.21M | 2.13M | 2.33M | 2.25M | 4M | 5.45M | 2.05M | 3.08M | 4.95M |
| 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) | 8.72M | 11.01M | 11.58M | 13.04M | 24.01M | 30.02M | 18.21M | 20.79M | 28.2M |
| 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) | 2.35 | 2.93 | 3.06 | 2.84 | 4.51 | 5.32 | 3.21 | 3.63 | 4.88 |
| Diluted Shares Outstanding | 3.74M | 3.8M | 3.82M | 4.62M | 5.36M | 5.68M | 5.72M | 5.77M | 5.78M |
Fidelity D & D Bancorp, Inc. (FDBC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 173.21M | 200.29M | 200.78M | 461.77M | 835.86M | 449.95M | 455.99M | 414.81M | 672.01M |
| Cash & Due from Banks | 15.82M | 17.48M | 15.66M | 69.35M | 96.88M | 29.09M | 111.95M | 83.35M | 148.06M |
| Short Term Investments | 157.38M | 182.81M | 185.12M | 392.42M | 738.98M | 420.86M | 344.04M | 331.46M | 523.95M |
| Total Investments | 789.31M | 890.02M | 914.44M | 1.51B | 2.16B | 2.16B | 2.2B | 2.31B | 2.4B |
| Investments Growth % | 9.27% | 12.76% | 2.74% | 64.89% | 43.41% | -0.15% | 2% | 4.93% | 3.68% |
| Long-Term Investments | 631.92M | 707.21M | 729.32M | 1.12B | 1.42B | 1.74B | 1.86B | 1.98B | 2.22B |
| Accounts Receivables | 2.79M | 3.27M | 3.28M | 5.71M | 7.53M | 8.49M | 9.09M | 9.63M | 9.67M |
| Goodwill & Intangibles | 209K | 209K | 209K | 8.79M | 21.57M | 21.17M | 20.81M | 20.5M | 20.24M |
| Goodwill | 209K | 209K | 209K | 7.05M | 19.63M | 19.63M | 19.63M | 19.63M | 19.63M |
| Intangible Assets | 0 | 0 | 0 | 1.73M | 1.94M | 1.54M | 1.18M | 876K | 614K |
| PP&E (Net) | 16.58M | 19.25M | 27.86M | 34.99M | 39.62M | 41.04M | 43.18M | 45.67M | 48.95M |
| Other Assets | 38.94M | 33.86M | 32.12M | 52.76M | 64.86M | 86.15M | 82.11M | 86.61M | -2.22B |
| Total Current Assets | 176M | 220.57M | 220.42M | 487.57M | 869.62M | 491.66M | 498.68M | 452.27M | 672.01M |
| Total Non-Current Assets | 687.64M | 760.53M | 789.51M | 1.21B | 1.55B | 1.89B | 2B | 2.13B | 69.19M |
| 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 Payable | 6.4M | 8.96M | 7.67M | 10.4M | 15.94M | 17.48M | 0 | 0 | 0 |
| Total Debt | 39.71M | 108.07M | 59.68M | 12.94M | 21.57M | 31.03M | 134.12M | 16.99M | 16.87M |
| Net Debt | 23.88M | 90.58M | 44.02M | -56.41M | -75.31M | 1.94M | 22.17M | -66.36M | -131.19M |
| Long-Term Debt | 21.2M | 31.7M | 15M | 5M | 10.62M | 7.62M | 7.37M | 6.27M | 6M |
| Short-Term Debt | 18.5M | 76.37M | 37.84M | 0 | 0 | 12.94M | 117M | 0 | 944K |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 21.13M | 22.84M | 2.49B |
| Total Current Liabilities | 755.05M | 855.5M | 881.25M | 1.52B | 2.19B | 2.2B | 2.28B | 2.34B | 20K |
| Total Non-Current Liabilities | 21.2M | 32.04M | 21.84M | 12.94M | 21.57M | 18.09M | 38.26M | 39.83M | 2.51B |
| Total Liabilities | 776.25M | 887.54M | 903.09M | 1.53B | 2.21B | 2.22B | 2.31B | 2.38B | 2.51B |
| 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 Share | 23.36 | 24.65 | 27.95 | 36.10 | 39.48 | 28.69 | 33.14 | 35.33 | 41.30 |
| Tangible BV per Share | 23.30 | 24.60 | 27.90 | 34.20 | 35.46 | 24.97 | 29.50 | 31.78 | 37.80 |
| Common Stock | 28.36M | 29.71M | 30.85M | 77.68M | 114.11M | 115.61M | 117.69M | 119.43M | 120.75M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 57.22M | 64.94M | 72.39M | 80.04M | 97.44M | 119.75M | 128.25M | 140.11M | 158.81M |
| Accumulated OCI | 1.8M | -1.09M | 3.6M | 8.95M | 179K | -71.15M | -56.47M | -55.57M | -40.7M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -1.26M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Fidelity D & D Bancorp, Inc. (FDBC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 13.89M | 13.65M | 25.79M | 296K | 7.2M | 49.43M | 29.69M | 29.56M | 42.36M |
| Operating CF Growth % | -12.43% | -1.71% | 88.91% | -98.85% | 2332.09% | 586.58% | -39.93% | -0.43% | 43.29% |
| Net Income | 8.72M | 11.01M | 11.58M | 13.04M | 24.01M | 30.02M | 18.21M | 20.79M | 28.2M |
| Depreciation & Amortization | 3.11M | 3.03M | 3.3M | 4.54M | 5.42M | 5.25M | 5.7M | 5.67M | 5.5M |
| Deferred Taxes | -666K | 1.02M | 341K | -400K | 1.19M | 1.83M | -593K | -1.17M | -1.5M |
| Other Non-Cash Items | 5.2M | -1.85M | 10.12M | -17.75M | -27.64M | 11.38M | 4.32M | 104K | 8.55M |
| Working Capital Changes | -3.03M | -305K | -368K | -202K | 3.12M | -331K | 408K | 2.72M | 527K |
| 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 | -42.09M | 0 | -15.39M | 0 |
| Sale/Maturity of Investments | 26.55M | 33.95M | 46M | 192.37M | 98.69M | 42.44M | 85.31M | 22.79M | 1.19M |
| Net Investment Activity | -28.47M | -29.62M | 2.61M | -79.14M | -312.72M | 353K | 85.31M | 7.4M | 1.19M |
| Acquisitions | 11.82M | 0 | 0 | 53M | -3.75M | 0 | 0 | 0 | 0 |
| Other Investing | -52.27M | -83.92M | -32.48M | -136.72M | 15.74M | -110.23M | -113.63M | -116.32M | -96.44M |
| Cash from Financing | 45.94M | 105.13M | 6.39M | 217.63M | 323.57M | -1.82M | 88.44M | 55.43M | 117.6M |
| Dividends Paid | -2.95M | -3.4M | -4.04M | -5.38M | -6.61M | -7.71M | -6.75M | -8.85M | -9.4M |
| Share Repurchases | 0 | 0 | -175K | 0 | 0 | -1.28M | -239K | -79K | -121K |
| Stock Issued | 0 | 0 | 175K | 0 | 0 | 0 | 0 | 0 | 248K |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | -1.28M | -239K | -79K | 127K |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -465K |
| Other Financing | 13.41M | 40.2M | 65.73M | 278.56M | 352.17M | -2.66M | -8.16M | 182.68M | 127.34M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 25.84M | 15.82M | 17.48M | 15.66M | 69.35M | 96.88M | 29.09M | 111.95M | 83.35M |
| Cash at End | 15.82M | 17.48M | 15.66M | 69.35M | 96.88M | 29.09M | 111.95M | 83.35M | 148.06M |
| Interest Paid | 3.06M | 4.69M | 7.44M | 5.82M | 3.85M | 6.11M | 29.19M | 43.21M | 46.45M |
| Income Taxes Paid | 2.7M | 600K | 1.95M | 3.25M | 2.65M | 3.05M | 2.59M | 4.42M | 4.59M |
| 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% |
Fidelity D & D Bancorp, Inc. (FDBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.17% | 3.22% | 3.1% | 3.14% | 2.6% | 2.56% | 3.04% | 2.48% | 2.39% | 2.64% |
| Efficiency Ratio | 62.79% | 64.57% | 57.15% | 55.4% | 63.36% | 63.05% | 54.91% | 49.82% | 44.42% | 41.89% |
| Equity / Assets | 10.17% | 10.12% | 9.54% | 10.58% | 9.81% | 8.75% | 6.85% | 7.57% | 7.89% | 8.69% |
| Book Value / Share | 21.87 | 23.36 | 24.65 | 27.95 | 36.1 | 39.48 | 28.69 | 33.14 | 35.33 | 41.3 |
| NII Growth | 7.03% | 10.76% | 9.4% | 4.13% | 39.32% | 39.93% | 16.89% | -14.15% | -0.29% | 17.47% |
| Dividend Payout | 39.79% | 33.89% | 30.86% | 34.87% | 41.26% | 27.52% | 25.68% | 37.07% | 42.56% | 33.35% |
Fidelity D & D Bancorp, Inc. (FDBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Feb 5, 2026·SEC
Jan 28, 2026·SEC
Fidelity D & D Bancorp, Inc. (FDBC) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Fidelity D & D Bancorp, Inc. (FDBC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates