Fidelity D & D Bancorp Inc. Common Stock (FDBC)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small regional bank with caution and a preference for boring consistency. Fidelity D & D earns its keep from deposits, loans, and trust services, with 298 employees and a $328.2 million market cap at the close on 2026-10-13. The record is respectable: net income rose from $18.2 million in FY2023 to $20.8 million in FY2024 and $28.2 million in FY2025, while diluted EPS rose from $3.19 to $3.60 to $4.86. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $7.8 million and diluted EPS was $1.33, up from $6.9 million and $1.20 in fiscal Q2 2025, the quarter ended 2025-06-30. FairStock computes a 13.00% ROE, a P/E of 10.74, a P/B of 1.30, and a PEG of 0.80 at that close, with a 3.03% dividend yield. That is not demanding if credit stays clean. The moat, if any, is local deposit relationships and trust-service stickiness, but a 298-person bank has limited scale. The data are missing the bank-specific measures I most want: CET1, net interest margin, nonperforming loans, charge-offs, loan-loss reserves, and efficiency ratio. FairStock's Piotroski F-Score of 5/9 is middling. The shares sit near the 52-week high of $56.90, so the margin of safety is modest. I like the growth and valuation, but I cannot underwrite the loan book from these figures alone.

In plain English: Fidelity D & D is a small bank holding company that takes deposits, makes loans, and offers trust and financial services. The business looks reasonably strong because profits have been rising and it pays a dividend. Compared with those profits and its accounting value, the price looks neither a clear bargain nor wildly expensive, though it sits near its 52-week high and important loan-quality details are not in the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer