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FIDELITY D&D BANCORP INC (FDBC) Stock Fundamental Analysis

NASDAQ:FDBC - Nasdaq - US31609R1005 - Common Stock

43.08  -1.78 (-3.97%)

Fundamental Rating

3

FDBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. FDBC may be in some trouble as it scores bad on both profitability and health. FDBC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FDBC was profitable.
FDBC had a positive operating cash flow in the past year.
Each year in the past 5 years FDBC has been profitable.
Each year in the past 5 years FDBC had a positive operating cash flow.
FDBC Yearly Net Income VS EBIT VS OCF VS FCFFDBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M

1.2 Ratios

The Return On Assets of FDBC (0.59%) is worse than 65.58% of its industry peers.
Looking at the Return On Equity, with a value of 7.44%, FDBC is in line with its industry, outperforming 45.23% of the companies in the same industry.
Industry RankSector Rank
ROA 0.59%
ROE 7.44%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.98%
ROE(3y)13.12%
ROE(5y)11.61%
ROIC(3y)N/A
ROIC(5y)N/A
FDBC Yearly ROA, ROE, ROICFDBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

The Profit Margin of FDBC (21.25%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FDBC has declined.
The Operating Margin and Gross Margin are not available for FDBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.82%
PM growth 5Y-2.24%
GM growth 3YN/A
GM growth 5YN/A
FDBC Yearly Profit, Operating, Gross MarginsFDBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

2. Health

2.1 Basic Checks

FDBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FDBC has been increased compared to 1 year ago.
FDBC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FDBC is higher compared to a year ago.
FDBC Yearly Shares OutstandingFDBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M 5M
FDBC Yearly Total Debt VS Total AssetsFDBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of FDBC is 1.30, which is an excellent value as it means it would take FDBC, only 1.30 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.30, FDBC is in the better half of the industry, outperforming 70.60% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that FDBC is not too dependend on debt financing.
FDBC's Debt to Equity ratio of 0.16 is fine compared to the rest of the industry. FDBC outperforms 60.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.3
Altman-Z N/A
ROIC/WACCN/A
WACC14.89%
FDBC Yearly LT Debt VS Equity VS FCFFDBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FDBC Yearly Current Assets VS Current LiabilitesFDBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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2

3. Growth

3.1 Past

FDBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.79%.
FDBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.69% yearly.
Looking at the last year, FDBC shows a very negative growth in Revenue. The Revenue has decreased by -12.26% in the last year.
The Revenue has been growing by 13.12% on average over the past years. This is quite good.
EPS 1Y (TTM)-38.79%
EPS 3Y6.73%
EPS 5Y1.69%
EPS Q2Q%-7.53%
Revenue 1Y (TTM)-12.26%
Revenue growth 3Y7.66%
Revenue growth 5Y13.12%
Sales Q2Q%7.65%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FDBC Yearly Revenue VS EstimatesFDBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
FDBC Yearly EPS VS EstimatesFDBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.07, the valuation of FDBC can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FDBC is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 28.29. FDBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.07
Fwd PE N/A
FDBC Price Earnings VS Forward Price EarningsFDBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

67.09% of the companies in the same industry are more expensive than FDBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.91
EV/EBITDA N/A
FDBC Per share dataFDBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)7.16
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FDBC has a Yearly Dividend Yield of 3.67%.
FDBC's Dividend Yield is a higher than the industry average which is at 3.22.
Compared to an average S&P500 Dividend Yield of 2.28, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

The dividend of FDBC has a limited annual growth rate of 5.66%.
FDBC has been paying a dividend for at least 10 years, so it has a reliable track record.
FDBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.66%
Div Incr Years12
Div Non Decr Years24
FDBC Yearly Dividends per shareFDBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

FDBC pays out 53.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FDBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP53.85%
EPS Next 2YN/A
EPS Next 3YN/A
FDBC Yearly Income VS Free CF VS DividendFDBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M
FDBC Dividend Payout.FDBC Dividend Payout, showing the Payout Ratio.FDBC Dividend Payout.PayoutRetained Earnings

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FIDELITY D&D BANCORP INC

NASDAQ:FDBC (1/22/2025, 11:36:37 AM)

43.08

-1.78 (-3.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/bmo
Earnings (Next)01-22 2025-01-22
Inst Owners20.86%
Inst Owner Change-0.02%
Ins Owners17.9%
Ins Owner Change0.15%
Market Cap247.28M
Analysts0
Price TargetN/A
Short Float %0.44%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend1.19
Dividend Growth(5Y)5.66%
DP53.85%
Div Incr Years12
Div Non Decr Years24
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.07
Fwd PE N/A
P/S 3.41
P/FCF 9.91
P/OCF 7.87
P/B 1.19
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.57
EY8.29%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.35
FCFY10.09%
OCF(TTM)5.47
OCFY12.7%
SpS12.65
BVpS36.11
TBVpS32.52
PEG (NY)N/A
PEG (5Y)7.16
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 7.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.25%
GM N/A
FCFM 34.37%
ROA(3y)0.99%
ROA(5y)0.98%
ROE(3y)13.12%
ROE(5y)11.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.82%
PM growth 5Y-2.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.3
Debt/EBITDA N/A
Cap/Depr 112.96%
Cap/Sales 8.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 161.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.89%
ROIC/WACCN/A
Cap/Depr(3y)91.06%
Cap/Depr(5y)85.79%
Cap/Sales(3y)6.27%
Cap/Sales(5y)6.21%
Profit Quality(3y)96.89%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.79%
EPS 3Y6.73%
EPS 5Y1.69%
EPS Q2Q%-7.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.26%
Revenue growth 3Y7.66%
Revenue growth 5Y13.12%
Sales Q2Q%7.65%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.64%
FCF growth 3YN/A
FCF growth 5Y17.67%
OCF growth 1Y-6.46%
OCF growth 3Y362.57%
OCF growth 5Y16.82%