Latest Ratios: P/E Ratio 10.7x · EV/EBITDA 4.4x · ROE 12.7%. (2000–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $302M | $252M | $282M | $332M | $268M | $316M | $297M | $238M | $244M | $154M | $89M |
| Enterprise Value | $171M | $121M | $215M | $354M | $270M | $241M | $241M | $282M | $334M | $178M | $67M |
| P/E Ratio → | 10.66 | 8.92 | 13.56 | 18.19 | 8.91 | 13.17 | 22.82 | 20.53 | 22.13 | 17.73 | 11.52 |
| P/S Ratio | 2.15 | 1.79 | 2.25 | 3.17 | 2.85 | 3.97 | 4.89 | 4.89 | 5.55 | 3.99 | 2.57 |
| P/B Ratio | 1.26 | 1.05 | 1.38 | 1.75 | 1.64 | 1.49 | 1.78 | 2.23 | 2.60 | 1.77 | 1.10 |
| P/FCF | 12.16 | 10.14 | 11.31 | 14.59 | 6.10 | 67.63 | — | 10.98 | 24.17 | 11.92 | 6.17 |
| P/OCF | 7.13 | 5.94 | 9.53 | 11.17 | 5.42 | 43.95 | 1003.75 | 9.22 | 17.84 | 11.13 | 5.60 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.86 | 1.72 | 3.39 | 2.87 | 3.02 | 3.97 | 5.80 | 7.61 | 4.61 | 1.95 |
| EV / EBITDA | 4.42 | 3.12 | 7.29 | 13.63 | 6.62 | 7.21 | 12.14 | 16.38 | 20.67 | 13.68 | 4.88 |
| EV / EBIT | 5.15 | 3.64 | 9.02 | 17.47 | 7.60 | 8.61 | 15.75 | 20.27 | 25.44 | 17.98 | 6.42 |
| EV / FCF | — | 4.86 | 8.65 | 15.57 | 6.14 | 51.53 | — | 13.01 | 33.16 | 13.76 | 4.67 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.5% | 65.5% | 63.5% | 69.2% | 92.7% | 98.2% | 88.5% | 84.0% | 87.1% | 90.2% | 93.1% |
| Operating Margin | 23.6% | 23.6% | 19.1% | 19.4% | 37.8% | 35.1% | 25.2% | 28.6% | 29.9% | 25.6% | 30.3% |
| Net Profit Margin | 20.1% | 20.1% | 16.6% | 17.4% | 32.0% | 30.1% | 21.5% | 23.8% | 25.1% | 22.5% | 22.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.7% | 12.7% | 10.6% | 10.3% | 16.0% | 12.7% | 9.5% | 11.6% | 12.2% | 10.4% | 9.8% |
| ROA | 1.1% | 1.1% | 0.8% | 0.7% | 1.3% | 1.2% | 1.0% | 1.2% | 1.2% | 1.1% | 1.0% |
| ROIC | 10.4% | 10.4% | 6.6% | 5.9% | 12.5% | 10.2% | 6.6% | 5.7% | 6.0% | 7.0% | 8.3% |
| ROCE | 12.6% | 12.6% | 10.1% | 9.9% | 17.1% | 13.6% | 9.9% | 10.9% | 11.2% | 10.5% | 13.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.08 | 0.71 | 0.19 | 0.10 | 0.08 | 0.56 | 1.16 | 0.45 | 0.05 |
| Debt / EBITDA | 0.44 | 0.44 | 0.57 | 5.17 | 0.76 | 0.65 | 0.65 | 3.47 | 6.69 | 3.05 | 0.31 |
| Net Debt / Equity | — | -0.55 | -0.33 | 0.12 | 0.01 | -0.36 | -0.34 | 0.41 | 0.97 | 0.27 | -0.27 |
| Net Debt / EBITDA | -3.40 | -3.40 | -2.25 | 0.85 | 0.05 | -2.25 | -2.85 | 2.56 | 5.60 | 1.83 | -1.57 |
| Debt / FCF | — | -5.28 | -2.67 | 0.98 | 0.04 | -16.10 | — | 2.03 | 8.99 | 1.84 | -1.50 |
| Interest Coverage | 0.70 | 0.70 | 0.53 | 0.64 | 5.54 | 7.70 | 2.88 | 1.84 | 2.70 | 3.08 | 4.44 |
Net cash position: cash ($148M) exceeds total debt ($17M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.19 | 0.22 | 0.22 | 0.40 | 0.32 | 0.25 | 0.26 | 0.23 | 0.22 |
| Quick Ratio | 0.14 | 0.14 | 0.19 | 0.22 | 0.22 | 0.40 | 0.32 | 0.25 | 0.26 | 0.23 | 0.22 |
| Cash Ratio | 0.06 | 0.06 | 0.04 | 0.05 | 0.01 | 0.04 | 0.05 | 0.02 | 0.02 | 0.02 | 0.04 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.1% | 3.7% | 3.1% | 2.0% | 2.9% | 2.1% | 1.8% | 1.7% | 1.4% | 1.9% | 3.4% |
| Payout Ratio | 33.3% | 33.3% | 42.6% | 37.1% | 25.7% | 27.5% | 41.3% | 34.9% | 30.9% | 33.9% | 39.8% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.4% | 11.2% | 7.4% | 5.5% | 11.2% | 7.6% | 4.4% | 4.9% | 4.5% | 5.6% | 8.7% |
| FCF Yield | 8.2% | 9.9% | 8.8% | 6.9% | 16.4% | 1.5% | — | 9.1% | 4.1% | 8.4% | 16.2% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.1% | 0.5% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 3.2% | 3.8% | 3.2% | 2.1% | 3.4% | 2.1% | 1.8% | 1.8% | 1.4% | 1.9% | 3.4% |
| Shares Outstanding | — | $6M | $6M | $6M | $6M | $5M | $5M | $4M | $4M | $4M | $4M |
CRE concentration and provisioning
Based on recent market data, FDBC trades at a P/B of 1.26, which suggests that investors are assigning a premium to the bank's localized deposit franchise and its recurring fee-based trust income compared to regional peers with less diversified revenue streams.
The current valuation multiple appears to reflect the market's confidence in the bank's ability to maintain a stable net margin despite the competitive pressures of its Lehigh Valley expansion. Investors should monitor whether this premium holds as the bank scales, as any compression in ROE could lead to a re-rating toward the lower multiples observed in the broader peer group.
As reported in financial statements, FDBC's ROE has trended toward 3.1% in 2026Q1, a recovery from the 0.3% low in 2023Q4, driven by a combination of improved operating leverage and a stabilizing contribution from the bank's high-margin trust and wealth management division.
The decomposition of profitability indicates that while asset utilization remains steady, the bank's ability to generate non-interest income provides a critical buffer against interest rate volatility. This suggests that the bank's profitability is less sensitive to pure balance sheet expansion than its peers, relying instead on the stickiness of its fiduciary fee base.
According to quarterly filings, FDBC has successfully optimized its efficiency ratio to 42.6% in 2026Q1 from 56.5% in 2023Q4, demonstrating that the bank is effectively managing its cost base even while absorbing the overhead associated with its recent geographic growth initiatives.
The improvement in the efficiency ratio suggests that management is successfully scaling its infrastructure without a proportional increase in non-interest expenses. This trend warrants further investigation to determine if the bank can maintain this level of cost control as it deepens its presence in more competitive, higher-cost markets.
Based on the provided balance sheet data, FDBC maintains an equity-to-assets ratio consistently between 8% and 9%, which indicates a stable capital position that appears sufficient to support ongoing organic loan growth while maintaining a prudent buffer against potential credit volatility.
The bank's capital management strategy appears focused on long-term stability, utilizing retained earnings to fund expansion rather than aggressive leverage. This conservative stance may limit short-term ROE expansion but provides a defensive posture that protects the bank against the cyclical risks inherent in its commercial real estate loan book.
Investors frequently misapply the P/E ratio to FDBC, which obscures the underlying earnings volatility caused by CECL-driven loan loss provisions and the non-cash impact of AOCI on tangible book value, making the P/TBV a more reliable metric for assessing the bank's true valuation.
Because the P/E ratio is highly sensitive to the timing of credit provisions, it often fails to capture the bank's underlying franchise value. Analysts should prioritize P/TBV and ROE trends to better understand the bank's capital efficiency and the long-term value of its core deposit and trust operations.
Includes 30+ ratios · 26 years · Updated daily
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Quick answers to the most common questions about buying FDBC stock.
Fidelity D & D Bancorp, Inc.'s current P/E ratio is 10.7x. The historical average is 16.1x. This places it at the 21th percentile of its historical range.
Fidelity D & D Bancorp, Inc.'s current EV/EBITDA is 4.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.6x.
Fidelity D & D Bancorp, Inc.'s return on equity (ROE) is 12.7%. The historical average is 8.7%.
Based on historical data, Fidelity D & D Bancorp, Inc. is trading at a P/E of 10.7x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Fidelity D & D Bancorp, Inc.'s current dividend yield is 3.13% with a payout ratio of 33.3%.
Fidelity D & D Bancorp, Inc. has 65.5% gross margin and 23.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Fidelity D & D Bancorp, Inc.'s Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.