FDBC
Premium GrowerFidelity D & D Bancorp, Inc. · Financial Services · United States · $375M cap · $928K/day traded
$67.06 -0.8% · close 12 Nov · scored 13 Nov
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 13 Nov 2026, the MoatMap Score for Fidelity D & D Bancorp, Inc. (FDBC) is 83/100, ranked against 25,000+ stocks in 38 markets (Quality 60, Value 40, Momentum 82, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT FIDELITY D & D BANCORP, INC.
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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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 87.5M | 72.8M | 79.9M | 91.4M | 1.5% | 99.8M |
| EPS | 4.51 | 5.32 | 3.21 | 3.63 | 4.89 | 2.0% | 5.52 |
| Shares | — | 5.6M | 5.7M | 5.7M | 5.8M | +2.5% | 5.8M |
| Debt | — | 31.0M | 134.1M | 17.0M | 16.9M | -18.4% | 137.4M |
| Equity | — | 162.9M | 189.5M | 204.0M | 238.9M | 13.6% | — |
| Op CF | — | 49.4M | 29.7M | 29.6M | 42.4M | -5.0% | 42.4M |
| Inv CF | — | -115.4M | -35.3M | -113.6M | -95.3M | — | — |
| Fin CF | — | -1.8M | 88.4M | 55.4M | 117.6M | — | — |
Above its 200-day average and 7% below its 52-week high.
Calmer than 74% of stocks we rank over the past year (volatility 30% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FDBC are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| FDBC | Fidelity D & D Bancorp, Inc.(you) | $375M | 83 |
| NECB | Northeast Community Bancorp, Inc. | $382M | 82 |
| CZFS | Citizens Financial Services, Inc. | $407M | 83 |
| TSBK | Timberland Bancorp, Inc. | $364M | 81 |
| PCB | PCB Bancorp | $402M | 84 |
| CHMG | Chemung Financial Corporation | $404M | 84 |
| NWFL | Norwood Financial Corp. | $379M | 78 |
| HWBK | Hawthorn Bancshares, Inc. | $287M | 83 |
| CBNA | Chain Bridge Bancorp, Inc. | $335M | 87 |
| COFS | ChoiceOne Financial Services, Inc. | $512M | 82 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.