FIDELITY D&D BANCORP INC (FDBC)
US31609R1005 - Common Stock
We assign a fundamental rating of 3 out of 10 to FDBC. FDBC was compared to 406 industry peers in the Banks industry. FDBC may be in some trouble as it scores bad on both profitability and health. FDBC does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year FDBC was profitable.
FDBC had a positive operating cash flow in the past year.
FDBC had positive earnings in each of the past 5 years.
In the past 5 years FDBC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FDBC (0.59%) is worse than 65.84% of its industry peers.
FDBC has a Return On Equity (7.44%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
FDBC has a Profit Margin of 21.25%. This is comparable to the rest of the industry: FDBC outperforms 45.79% of its industry peers.
In the last couple of years the Profit Margin of FDBC has declined.
FDBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
FDBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FDBC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FDBC has been increased compared to 5 years ago.
The debt/assets ratio for FDBC is higher compared to a year ago.
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.
With a decent Debt to FCF ratio value of 1.30, FDBC is doing good in the industry, outperforming 71.53% 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 has a Debt to Equity ratio of 0.16. This is in the better half of the industry: FDBC outperforms 61.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FDBC have decreased strongly by -38.79% in the last year.
The Earnings Per Share has been growing slightly by 1.69% on average over the past years.
FDBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.26%.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.32, FDBC is valued correctly.
FDBC's Price/Earnings is on the same level as the industry average.
FDBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.32 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FDBC indicates a somewhat cheap valuation: FDBC is cheaper than 61.39% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.5
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDBC has a Yearly Dividend Yield of 3.30%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, FDBC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, FDBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
5.2 History
The dividend of FDBC has a limited annual growth rate of 5.66%.
FDBC has paid a dividend for at least 10 years, which is a reliable track record.
FDBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.66%
Div Incr Years12
Div Non Decr Years24
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
FIDELITY D&D BANCORP INC
NASDAQ:FDBC (12/20/2024, 8:09:31 PM)
After market: 51.14 0 (0%)51.14
+2.64 (+5.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners20.86%
Inst Owner Change4.58%
Ins Owners17.9%
Ins Owner Change0.15%
Market Cap293.54M
Analysts0
Price TargetN/A
Short Float %0.65%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Dividend Growth(5Y)5.66%
DP53.85%
Div Incr Years12
Div Non Decr Years24
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.32 | ||
| Fwd PE | N/A | ||
| P/S | 4.04 | ||
| P/FCF | 11.76 | ||
| P/OCF | 9.35 | ||
| P/B | 1.42 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY6.98%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.35
FCFY8.5%
OCF(TTM)5.47
OCFY10.7%
SpS12.65
BVpS36.11
TBVpS32.52
PEG (NY)N/A
PEG (5Y)8.5
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.3%
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%