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Fidelity D & D Bancorp, Inc.(FDBC)Earnings, Financials & Key Ratios
FDBC•NASDAQ•Banking & Credit
$50.64
10.4× P/E·Price updated Jun 25, 2026
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%
FDBC Price & Volume
Fidelity D & D Bancorp, Inc. (FDBC) stock price & volume — 10-year historical chart
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Operational Efficiency Gains Drive Fidelity Bancorp Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial Position:Healthy
Cash Flow:Robust
Primary Risk:CRE concentration and provisioning
"Fidelity D & D Bancorp has demonstrated a robust earnings trajectory, with net income expanding from $0.47 million in 2023Q4 to $7.5 million in 2026Q1, supported by successful geographic expansion and improved operating leverage. While the bank's efficiency ratio has improved significantly to 42.6% from 56.5% over the same period, investors should monitor the rising provision for loan losses, which reached $965,000 in 2026Q1. The bank's strategic shift toward higher-yielding loan opportunities appears to be effectively balancing capital-light fee income with necessary credit risk management."
Verdict Logic
Positive: The bank's valuation at a 1.26 P/B ratio and a 3.1% dividend yield appears attractive given the consistent growth in net income to $7.5 million in 2026Q1.
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%
TTM36.54%
EPS CAGR
10 Years9.72%
5 Years11.59%
3 Years-2.65%
TTM36.17%
Return on Capital
10 Years11.93%
5 Years12.67%
3 Years10.89%
Last Year12.64%
FDBC Recent Earnings
Fidelity D & D Bancorp, Inc. (FDBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$1.28
—
Rev
$36M
—
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$1.37
—
Rev
$36M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$1.37
—
Rev
$36M
—
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$1.27
—
Rev
$36M
—
| 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 |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Fidelity D & D Bancorp, Inc. (FDBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $50.64 | $293.97M | 10.38 | 12.25% | 20.08% | 12.74% | 3.21% | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $14.55 | $607.67M | 734.85 | -26.69% | 1.79% | 0.68% | — | |
| $17.24 | $432.32M | 22.68 | -10.72% | 15.32% | 6.19% | — | |
| $29.86 | $269.96M | 15.23 | 27.11% | 18.05% | 11.51% | — | |
| $43.30 | $279.11M | 11.48 | 6.6% | 20.89% | 12.7% | — |
Compare FDBC vs Peers
Fidelity D & D Bancorp, Inc. (FDBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FDBC SEC Filings & Documents
Fidelity D & D Bancorp, Inc. (FDBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FDBC Frequently Asked Questions
Fidelity D & D Bancorp, Inc. (FDBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Fidelity D & D Bancorp, Inc. growing?
Fidelity D & D Bancorp, Inc. (FDBC) grew revenue by 12.3% over the past year. This is steady growth.
Is FDBC profitable?
Yes, Fidelity D & D Bancorp, Inc. (FDBC) is profitable, generating $29.7M in net income for fiscal year 2025 (20.1% net margin).
Dividend & Returns
Does FDBC pay dividends?
Yes, Fidelity D & D Bancorp, Inc. (FDBC) pays a dividend with a yield of 3.21%. This makes it attractive for income-focused investors.
What is FDBC's return on equity?
Fidelity D & D Bancorp, Inc. (FDBC) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.
Industry Metrics
What is Fidelity D & D Bancorp, Inc.'s net interest margin?
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.
What is Fidelity D & D Bancorp, Inc.'s efficiency ratio?
Fidelity D & D Bancorp, Inc. (FDBC) has an efficiency ratio of 41.9%. This is excellent, indicating strong cost control.