Fidelity D & D Bancorp, Inc.
- Open
- 52.01
- Day high
- 52.50
- Day low
- 51.03
- Prev close
- 52.47
- Volume
- 10K
- Mkt cap
- $297M
- P/E (TTM)
- 10.0
- EPS (TTM)
- $5.14
- P/B
- 1.2
- P/S
- 2.1
- Yield
- 3.30%
- Per share
- $1.69
- ▲Insiders net buying $14K over the last 3 months (1 open-market buy, 0 sales)
- 🏛Institutions accumulating (13F)
Fidelity D & D Bancorp, Inc. (FDBC) is a Financial Services company listed on NASDAQ. The stock is up 14% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 0 sales (SEC Form 4).
Fidelity D & D Bancorp, Inc. (FDBC) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
FDBC earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | — | $1.28 | — | $36M | — |
| Mar 13, 2026 | — | $1.37 | — | $36M | — |
| Oct 22, 2025 | — | $1.27 | — | $36M | — |
| Jul 23, 2025 | — | $1.20 | — | $1280 | — |
| Apr 23, 2025 | — | $1.03 | — | $32M | — |
| Jan 29, 2025 | — | $1.01 | — | $21M | — |
| Oct 23, 2024 | — | $0.86 | — | $20M | — |
| Jul 24, 2024 | — | $0.86 | — | $31M | — |
| Jan 24, 2024 | — | $0.97 | — | $23M | — |
| Oct 25, 2023 | — | $0.93 | — | $19M | — |
| Jul 26, 2023 | — | $0.94 | — | $20M | — |
| Apr 21, 2023 | — | $1.24 | — | $22M | — |
FDBC insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 12, 2026 | CALI BRIAN Jdirector, officer: Chairman of the Board | Buy | 273 | $50.75 |
| Mar 20, 2026 | Bonanno Adam D.officer: Chief Information Officer | Grant | 1,000 | $43.64 |
| Mar 11, 2026 | CALI BRIAN Jdirector, officer: Chairman of the Board | Buy | 308 | $45.50 |
| Feb 23, 2026 | DEFRANCESCO SALVATORE R JRofficer: Treasurer & CFO | Tax | 593 | $45.45 |
| Feb 20, 2026 | MCDONALD MICHAEL Jdirector, officer: Vice Chairman | Grant | 2,500 | $45.11 |
| Feb 20, 2026 | Woelkers Paul C.director | Grant | 2,500 | $45.11 |
| Feb 20, 2026 | DEFRANCESCO SALVATORE R JRofficer: Treasurer & CFO | Grant | 1,590 | $45.11 |
| Feb 20, 2026 | SANTANIELLO DANIEL Jdirector, officer: President & CEO | Grant | 3,313 | $45.11 |
| Feb 20, 2026 | Clemente Jamesdirector | Grant | 500 | $45.11 |
| Feb 20, 2026 | Vilcek HelenBeth Garofalodirector | Grant | 2,500 | $45.11 |
| Feb 20, 2026 | Joyce William J. Sr.director | Grant | 2,500 | $45.11 |
| Feb 20, 2026 | Gray Peter Aofficer: Executive VP & CLO | Grant | 1,000 | $45.11 |
| Feb 20, 2026 | Turkington Ruth G.officer: Chief Consumer Banking Officer | Grant | 1,531 | $45.11 |
| Feb 20, 2026 | Silverman Alandirector | Grant | 2,500 | $45.11 |
| Feb 20, 2026 | DelVecchio Roccodirector | Grant | 500 | $45.11 |
Source: FDBC SEC Form 4 filings, latest Jun 12, 2026. For informational purposes only — not investment advice.
See the full FDBC insider & 13F page →Fidelity D & D Bancorp, Inc. company profile
Overview
Fidelity D & D Bancorp, Inc. (NASDAQ:FDBC) is a regional bank holding company founded in 1902 and headquartered in Dunmore, Pennsylvania. The company operates through its primary subsidiary, The Fidelity Deposit and Discount Bank, serving northeastern Pennsylvania communities for over 120 years. With 22 full-service banking offices across Lackawanna, Luzerne, and Northampton counties, FDBC has established itself as a community-focused financial institution providing traditional banking services to individuals, small businesses, and corporate customers in its regional market.
Business
Fidelity D & D Bancorp operates in the regional banking industry, which serves as a critical intermediary between depositors and borrowers within specific geographic markets. Regional banks like FDBC are smaller than national money center banks but larger than community banks, typically focusing on serving local markets with personalized service while maintaining the scale to offer comprehensive financial products. The company's core business revolves around traditional banking activities conducted through The Fidelity Deposit and Discount Bank. On the deposit side, the bank accepts various types of customer deposits including savings accounts, checking accounts (both interest-bearing and non-interest-bearing), money market accounts, certificates of deposit, and short- and long-term time deposits. These deposits form the bank's primary source of funding, representing money that customers entrust to the bank for safekeeping while earning interest. On the lending side, FDBC provides four main categories of loans. Commercial and industrial loans serve business customers' working capital needs, equipment purchases, and expansion financing. Commercial real estate loans finance income-producing properties like office buildings, retail centers, and industrial facilities. Consumer loans include personal loans, auto loans, and other individual credit needs. Residential mortgage loans help individuals and families purchase or refinance homes. Beyond traditional banking, FDBC offers trust and asset management services, helping clients manage investments, estates, and financial planning needs. The company also provides alternative financial and insurance products, expanding its revenue streams beyond core banking activities. While specific revenue breakdowns by segment are not disclosed, traditional banking activities through net interest income and fee-based services likely comprise the vast majority of total revenue.
Revenue model
FDBC operates on the classic banking business model, primarily generating revenue through net interest income - the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This spread-based model means the bank borrows money from depositors at lower rates and lends it out at higher rates, capturing the margin as profit. The bank's paying customers include individual depositors who provide funding, and borrowers who pay interest on loans. Commercial and industrial borrowers, commercial real estate investors, residential mortgage borrowers, and consumer loan customers all contribute to interest income. Additionally, the bank generates fee-based income from trust services, asset management, insurance product sales, and various banking service charges. Several factors significantly impact FDBC's profitability margins. Interest rate environment is the most critical factor - rising rates typically benefit banks by allowing them to charge higher loan rates while deposit rates often lag, expanding net interest margins. Conversely, falling rates compress margins. Credit quality directly affects profitability through loan loss provisions - economic downturns or regional economic stress can force the bank to set aside more money for potential loan defaults, reducing earnings. Competition from larger national banks, credit unions, and online lenders can pressure both deposit rates (increasing funding costs) and loan rates (reducing yields). Regulatory compliance costs represent a significant fixed expense that can impact margins, particularly for smaller regional banks. Local economic conditions in northeastern Pennsylvania affect loan demand, credit quality, and deposit growth, making FDBC's performance closely tied to its regional market's health.
Competitive moat
FDBC's competitive moat is relatively narrow, typical of smaller regional banks operating in mature markets. The company's primary defensive characteristics center around local market relationships and switching costs for existing customers. After 120 years of operation in northeastern Pennsylvania, FDBC has developed deep community ties, local brand recognition, and established relationships with businesses and families across multiple generations. The bank benefits from modest switching costs, as customers often find it inconvenient to change banks due to direct deposits, automatic payments, and established credit relationships. Small and medium-sized businesses particularly value relationship banking, where they can speak directly with local decision-makers rather than navigating large bank bureaucracies. However, FDBC faces significant competitive pressures that limit its moat strength. Large national banks can offer more competitive rates, broader product suites, and superior digital banking platforms due to their scale advantages. Credit unions often provide better rates to members while maintaining the community focus that regional banks pride themselves on. Online banks can offer significantly higher deposit rates without the overhead of physical branches. The bank's geographic concentration in northeastern Pennsylvania creates both opportunity and vulnerability. While local market knowledge provides advantages, economic decline in the region could disproportionately impact FDBC compared to more geographically diversified competitors. Additionally, the trend toward digital banking reduces the importance of physical branch networks, potentially diminishing one of FDBC's key competitive advantages. Overall, FDBC operates in a highly competitive industry with limited barriers to entry and faces ongoing pressure from larger, better-capitalized competitors with superior technology platforms.
Risks & safety
FDBC demonstrates solid financial stability with manageable risk levels, though typical banking sector vulnerabilities remain present. • Solvency and Capital: Strong balance sheet with $204 million in shareholder equity and total assets of $2.58 billion. Debt-to-equity ratio of 8.3% indicates conservative leverage. No immediate solvency concerns. • Liquidity Position: Adequate cash position with $83.4 million in cash and short-term investments. Current ratio of 1.30 shows ability to meet short-term obligations, though banking ratios differ from typical corporate metrics. • Profitability Metrics: ROE of 10.2% for 2024 demonstrates reasonable profitability. Net income of $20.8 million on revenue of $79.9 million shows healthy profit margins. • Valuation Metrics: Trading at P/E ratio of 13.5x and price-to-book of 1.37x, suggesting reasonable valuation relative to earnings and book value. Not obviously overvalued. • Cash Generation: Positive operating cash flow of $29.6 million and free cash flow of $24.9 million indicate healthy cash generation capabilities. • Banking-Specific Risks: Asset quality dependent on regional economic conditions. Interest rate sensitivity could impact net interest margins. Regulatory capital requirements must be maintained.
Recent development
Based on available financial data, FDBC has experienced mixed operational performance over recent years, reflecting broader challenges facing regional banks. Revenue declined from $88.9 million in 2022 to $79.9 million in 2024, indicating pressure on the bank's core business activities. However, the company maintained profitability throughout this period, with net income of $20.8 million in 2024 compared to $30.0 million in 2022. The bank has maintained a conservative approach to balance sheet management, with total assets remaining relatively stable around $2.5-2.6 billion over the past three years. Cash and short-term investments have fluctuated significantly, from $29.1 million in 2022 to $111.9 million in 2023, then settling at $83.4 million in 2024, suggesting active liquidity management in response to changing market conditions. FDBC's debt-to-equity ratio improved dramatically from 70.8% in 2023 to 8.3% in 2024, indicating successful deleveraging efforts and stronger capital positioning. This improvement in capital structure provides greater financial flexibility and reduces risk profile. The company has maintained consistent dividend payments and positive free cash flow generation, demonstrating commitment to shareholder returns while preserving capital for growth opportunities. Without access to recent earnings call transcripts, specific strategic initiatives and management commentary on future direction are not available. However, the financial metrics suggest a focus on maintaining profitability and capital strength while navigating the challenging interest rate environment affecting all regional banks.
FDBC company profile · for informational purposes only — not investment advice.
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