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FDBC

STRONG BUYFLAG

Fidelity D & D Bancorp, Inc. · Financial Services · United States · $299M · Avg Vol: $601K/d

88
StockRank
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Q
58
V
57
M
71
P/E (TTM)
10.1x
ROE
13.0%
D/E
0.1x
Dividend %
3.2%
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%94.0M
EPS4.515.323.213.634.892.0%5.07
Shares—5.6M5.7M5.7M5.8M+2.5%5.8M
Debt—31.0M134.1M17.0M16.9M-18.4%16.2M
Equity—162.9M189.5M204.0M238.9M13.6%—
Op CF—49.4M29.7M29.6M42.4M-5.0%38.2M
Inv CF—-115.4M-35.3M-113.6M-95.3M——
Fin CF—-1.8M88.4M55.4M117.6M——
Loading 1Y...
PRICE (1Y)+3.2%
47.6949.1050.5251.9353.35Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$51.56
RSI (14)
49.9
52W High
$53.51
From 52W High
1.0%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.1%*39.1
ROE
13.0%67.5
GP/Assets
3.4%N/A
Op. Margin
36.8%55.3
FCF/Assets
0.6%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.07xN/A
Current Ratio
bankN/A
Value
57
P/E (TTM)
10.1x69.7
EV/EBITDA
bankN/A
P/FCF
18.1xN/A
P/B
1.2x46.8
P/S
3.2x60.4
Div Yield
3.2%40.8
Momentum
71
52W High %
96%69.2
RS 6M
11%78.1
SMA 50/200
1.09x71.9
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
25%59.1

FUNDAMENTALS

Market Cap
$299M
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)$299M88STRONG BUY
LCNBLCNB Corp.$285M87STRONG BUY
FNRNFirst Northern Community Bancorp$300M86STRONG BUY
FRAFFranklin Financial Services Corporation$280M87STRONG BUY
TSBKTimberland Bancorp, Inc.$343M87STRONG BUY
VABKVirginia National Bankshares Corporation$243M87STRONG BUY
CZFSCitizens Financial Services, Inc.$360M91STRONG BUY
OPBKOP Bancorp$233M85STRONG BUY
NEWTNewtekOne, Inc.$417M90STRONG BUY
ATLOAmes National Corporation$266M81STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

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

Fidelity D & D Bancorp, Inc. (FDBC) has a MoatMap StockRank of 88/100 based on Quality (58/100), Value (57/100), and Momentum (71/100) 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$51.56
Market Cap$299M
P/E (TTM)10.09
Price/Book1.21
Return on Equity13.0%
Debt/Equity0.07x
Operating Margin36.8%
Revenue Growth10.8%
Dividend Yield3.2%
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 88/100, with a Strong Buy signal. It is a composite of Quality (58), Value (57), and Momentum (71) factor ranks across MoatMap’s 20,000+ stock universe.
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 88/100. 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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