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FDBC

Strong BuyFull HouseFLAG

Fidelity D & D Bancorp, Inc. · Financial Services · United States · $312M · Avg Vol: $708K/d

90
StockRank
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Q
58
V
54
M
78
P/E (TTM)
10.5x
ROE
13.0%
D/E
0.1x
Dividend %
3.1%
Dir. Trades · 180d
None →
Buybacks · 180d
None →
AI CONVICTION THESIS

Fidelity D and D Bancorp is a small Pennsylvania community bank with weak quality (Q58) reflecting deposit cost pressure, and the token insider buying is immaterial. Nothing adverse is known on accounting, solvency or governance. Insufficient information to move off the default.

COMPANY DESCRIPTION

Fidelity D & D Bancorp, Inc. operates The Fidelity Deposit and Discount Bank, a community bank serving northeastern Pennsylvania, offering a full range of consumer and commercial banking services. Its competitive moat is a strong local market presence and relationship-based banking model, fostering deep customer ties and local economic knowledge. Fidelity D & D is a community bank deeply embedded in its regional market, sensitive to local economic trends and interest rate fluctuations.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM
Revenue—87.5M72.8M79.9M91.4M1.5%96.5M
EPS4.515.323.213.634.892.0%5.26
Shares—5.6M5.7M5.7M5.8M+2.5%5.8M
Debt—31.0M134.1M17.0M16.9M-18.4%135.6M
Equity—162.9M189.5M204.0M238.9M13.6%—
Op CF—49.4M29.7M29.6M42.4M-5.0%46.2M
Inv CF—-115.4M-35.3M-113.6M-95.3M——
Fin CF—-1.8M88.4M55.4M117.6M——
Loading 1Y...
PRICE (1Y)+4.7%
52.4653.2854.1054.9255.74Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$54.91
RSI (14)
53.6
52W High
$56.14
From 52W High
1.0%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.1%*37.9
ROE
13.0%65.3
GP/Assets
3.5%N/A
Op. Margin
38.6%55.5
FCF/Assets
0.6%N/A
Piotroski
685.7
Int. Cover
—50.0
D/E Ratio
0.07xN/A
Current Ratio
bankN/A
Value
54
P/E (TTM)
10.5x65.5
EV/EBITDA
bankN/A
P/FCF
18.8xN/A
P/B
1.3x46.7
P/S
3.3x55.1
Div Yield
3.1%42.9
Momentum
78
52W High %
98%89.9
RS 6M
17%82.0
SMA 50/200
1.13x81.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
13%43.6

FUNDAMENTALS

Market Cap
$312M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FDBC are excluded.

TickerCompanyMkt CapStockRankSignal
FDBCFidelity D & D Bancorp, Inc.(you)$312M90Strong Buy
CZFSCitizens Financial Services, Inc.$390M90Strong Buy
FNLCThe First Bancorp, Inc.$392M89Strong Buy
HWBKHawthorn Bancshares, Inc.$270M87Strong Buy
BPRNPrinceton Bancorp, Inc.$288M85Strong Buy
CFFIC&F Financial Corporation$298M84Strong Buy
VABKVirginia National Bankshares Corporation$251M94Strong Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
PBAMPrivate Bancorp of America, Inc.$508M89Strong Buy
PKBKParke Bancorp, Inc.$400M96Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Fidelity D & D Bancorp, Inc. (FDBC): Stock Score Summary

Fidelity D & D Bancorp, Inc. (FDBC) has a MoatMap StockRank of 90/100 based on Quality (58/100), Value (54/100), and Momentum (78/100) factor scores. The current signal is STRONG BUY. Fidelity D and D Bancorp is a small Pennsylvania community bank with weak quality (Q58) reflecting deposit cost pressure, and the token insider buying is immaterial. Nothing adverse is known on accounting, solvency or governance. Insufficient information to move off the default.

Fidelity D & D Bancorp, Inc. operates The Fidelity Deposit and Discount Bank, a community bank serving northeastern Pennsylvania, offering a full range of consumer and commercial banking services. Its competitive moat is a strong local market presence and relationship-based banking model, fostering deep customer ties and local economic knowledge. Fidelity D & D is a community bank deeply embedded in its regional market, sensitive to local economic trends and interest rate fluctuations.

Key Financial Metrics

Price$54.91
Market Cap$312M
P/E (TTM)10.47
Price/Book1.26
Return on Equity13.0%
Debt/Equity0.07x
Operating Margin38.6%
Revenue Growth11.1%
Dividend Yield3.1%
Free Cash Flow$17M

Fidelity D & D Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Fidelity D & D Bancorp, Inc.’s (FDBC) StockRank?
MoatMap’s StockRank for Fidelity D & D Bancorp, Inc. (FDBC) is 90/100, with a Strong Buy signal. It is a composite of Quality (58), Value (54), and Momentum (78) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Fidelity D & D Bancorp, Inc. have an economic moat?
Fidelity D & D Bancorp, Inc. (FDBC) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Fidelity D & D Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Fidelity D & D Bancorp, Inc. (FDBC) is Strong Buy, based on a StockRank of 90/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Fidelity D & D Bancorp, Inc. in?
Fidelity D & D Bancorp, Inc. (FDBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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