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

NASDAQ:FDBC - Nasdaq - US31609R1005 - Common Stock - Currency: USD

43.99  +0.05 (+0.11%)

Fundamental Rating

3

Taking everything into account, FDBC scores 3 out of 10 in our fundamental rating. FDBC was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of FDBC have multiple concerns. 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

FDBC had positive earnings in the past year.
FDBC had a positive operating cash flow in the past year.
In the past 5 years FDBC has always been profitable.
FDBC had a positive operating cash flow in 4 of the past 5 years.
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 2024 0 10M 20M 30M 40M

1.2 Ratios

FDBC's Return On Assets of 0.59% is on the low side compared to the rest of the industry. FDBC is outperformed by 65.67% of its industry peers.
FDBC has a Return On Equity (7.44%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.59%
ROE 7.44%
ROIC N/A
ROA(3y)0.93%
ROA(5y)0.91%
ROE(3y)12.74%
ROE(5y)11.48%
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 2024 5 10 15

1.3 Margins

FDBC's Profit Margin of 21.25% is in line compared to the rest of the industry. FDBC outperforms 43.53% of its industry peers.
FDBC's Profit Margin has been stable in the last couple of years.
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 3Y-4.98%
PM growth 5Y-1.43%
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 2024 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.
FDBC has more shares outstanding than it did 1 year ago.
FDBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FDBC has an improved debt to assets ratio.
FDBC Yearly Shares OutstandingFDBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 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.
With a decent Debt to FCF ratio value of 1.30, FDBC is doing good in the industry, outperforming 70.65% of the companies in the same industry.
FDBC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
FDBC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.3
Altman-Z N/A
ROIC/WACCN/A
WACC14.75%
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 2024 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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3

3. Growth

3.1 Past

FDBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.91%, which is quite good.
Measured over the past 5 years, FDBC shows a small growth in Earnings Per Share. The EPS has been growing by 3.30% on average per year.
Looking at the last year, FDBC shows a quite strong growth in Revenue. The Revenue has grown by 10.09% in the last year.
The Revenue has been growing by 14.05% on average over the past years. This is quite good.
EPS 1Y (TTM)12.91%
EPS 3Y-7.03%
EPS 5Y3.3%
EPS Q2Q%1139.26%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%63.74%

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 2024 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 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.22 indicates a correct valuation of FDBC.
Compared to the rest of the industry, the Price/Earnings ratio of FDBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of FDBC to the average of the S&P500 Index (29.35), we can say FDBC is valued rather cheaply.
Industry RankSector Rank
PE 12.22
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

FDBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FDBC is cheaper than 63.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.12
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)3.7
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 3.64%.
FDBC's Dividend Yield is a higher than the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.33, FDBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.64%

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 2025 0.5 1 1.5

5.3 Sustainability

53.85% of the earnings are spent on dividend by FDBC. 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 2024 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 (3/7/2025, 8:24:26 PM)

43.99

+0.05 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22
Earnings (Next)04-22 2025-04-22
Inst Owners22.46%
Inst Owner Change6.56%
Ins Owners17.99%
Ins Owner Change1.76%
Market Cap252.50M
Analysts0
Price TargetN/A
Short Float %0.54%
Short Ratio3.49
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend1.19
Dividend Growth(5Y)5.66%
DP53.85%
Div Incr Years12
Div Non Decr Years24
Ex-Date02-14 2025-02-14 (0.4)
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 12.22
Fwd PE N/A
P/S 3.48
P/FCF 10.12
P/OCF 8.04
P/B 1.22
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)3.6
EY8.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.35
FCFY9.89%
OCF(TTM)5.47
OCFY12.44%
SpS12.65
BVpS36.11
TBVpS32.52
PEG (NY)N/A
PEG (5Y)3.7
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)0.93%
ROA(5y)0.91%
ROE(3y)12.74%
ROE(5y)11.48%
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 3Y-4.98%
PM growth 5Y-1.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
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-Score5
WACC14.75%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.91%
EPS 3Y-7.03%
EPS 5Y3.3%
EPS Q2Q%1139.26%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.09%
Revenue growth 3Y0.31%
Revenue growth 5Y14.05%
Sales Q2Q%63.74%
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-0.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.89%
OCF growth 3YN/A
OCF growth 5YN/A