📊 FDBC Key Takeaways
Is Fidelity D & D Bancorp Inc. (FDBC) a Good Investment?
Despite impressive 64.9% revenue growth, the company exhibits deteriorating fundamentals with net income flat YoY, indicating significant margin compression and operational headwinds. The severely depressed ROE of 3.0% and concerning 0.8x interest coverage ratio signal poor capital efficiency and potential debt service constraints that outweigh top-line growth.
Fidelity D & D Bancorp shows solid core fundamentals with healthy profitability, positive free cash flow, and a conservative balance sheet that carries no long-term debt. Revenue growth was very strong, but the fact that net income was flat suggests earnings conversion and growth quality should be watched closely rather than assuming the top-line surge will fully translate into sustained bottom-line expansion.
Why Buy Fidelity D & D Bancorp Inc. Stock? FDBC Key Strengths
- Strong revenue growth of 64.9% YoY demonstrates market expansion
- Zero long-term debt with solid equity base of $244.7M provides financial flexibility
- Healthy operating margin of 27.7% shows operational efficiency at the EBIT level
- Strong profitability for a community bank, with 27.7% operating margin, 23.5% net margin, 11.8% ROE, and 1.0% ROA
- Conservative financial position with $238.86M of equity, $148.06M of cash, and no long-term debt
- Healthy cash generation, with $42.36M operating cash flow and $24.82M free cash flow
FDBC Stock Risks: Fidelity D & D Bancorp Inc. Investment Risks
- Extremely depressed ROE of 3.0% indicates shareholders are earning minimal returns on equity
- Net income flat YoY (+0.0%) despite 64.9% revenue growth reveals severe margin compression and profitability deterioration
- Interest coverage ratio of 0.8x below 1.0x threshold raises critical concerns about debt service sustainability
- Net income was flat despite 64.9% revenue growth, which raises questions about margin sustainability and earnings quality
- Interest coverage of 3.1x is adequate but not especially strong if funding costs remain elevated
- As a bank, future results are sensitive to credit quality deterioration, deposit competition, and net interest margin pressure
Key Metrics to Watch
- Return on Equity trend - must improve significantly from 3.0% baseline
- Net income growth rate relative to revenue growth to assess margin recovery
- Interest coverage ratio - critical to monitor if it can recover above 1.0x sustainability threshold
- Net interest margin and efficiency ratio trends
- Credit quality metrics such as nonperforming assets and provision for loan losses
Fidelity D & D Bancorp Inc. (FDBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FDBC Profit Margin, ROE & Profitability Analysis
FDBC vs Finance Sector: How Fidelity D & D Bancorp Inc. Compares
How Fidelity D & D Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fidelity D & D Bancorp Inc. Stock Overvalued? FDBC Valuation Analysis 2026
Based on fundamental analysis, Fidelity D & D Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Fidelity D & D Bancorp Inc. Balance Sheet: FDBC Debt, Cash & Liquidity
FDBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Fidelity D & D Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.60 reflects profitable operations.
FDBC Revenue Growth, EPS Growth & YoY Performance
Fidelity D & D Bancorp Inc. Dividends, Buybacks & Capital Allocation
FDBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fidelity D & D Bancorp Inc. (CIK: 0001098151)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FDBC
What is the AI rating for FDBC?
Fidelity D & D Bancorp Inc. (FDBC) has a Combined AI Rating of HOLD from Claude (SELL) and ChatGPT (BUY) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FDBC's key strengths?
Claude: Strong revenue growth of 64.9% YoY demonstrates market expansion. Zero long-term debt with solid equity base of $244.7M provides financial flexibility. ChatGPT: Strong profitability for a community bank, with 27.7% operating margin, 23.5% net margin, 11.8% ROE, and 1.0% ROA. Conservative financial position with $238.86M of equity, $148.06M of cash, and no long-term debt.
What are the risks of investing in FDBC?
Claude: Extremely depressed ROE of 3.0% indicates shareholders are earning minimal returns on equity. Net income flat YoY (+0.0%) despite 64.9% revenue growth reveals severe margin compression and profitability deterioration. ChatGPT: Net income was flat despite 64.9% revenue growth, which raises questions about margin sustainability and earnings quality. Interest coverage of 3.1x is adequate but not especially strong if funding costs remain elevated.
What is FDBC's revenue and growth?
Fidelity D & D Bancorp Inc. reported revenue of $30.5M.
Does FDBC pay dividends?
Fidelity D & D Bancorp Inc. pays dividends, with $2.5M distributed to shareholders in the trailing twelve months.
Where can I find FDBC SEC filings?
Official SEC filings for Fidelity D & D Bancorp Inc. (CIK: 0001098151) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FDBC's EPS?
Fidelity D & D Bancorp Inc. has a diluted EPS of $1.28.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FDBC a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Fidelity D & D Bancorp Inc. has a HOLD rating with 74% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FDBC stock overvalued or undervalued?
Valuation metrics for FDBC: ROE of 3.0% (sector avg: 12%), net margin of 24.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FDBC stock in 2026?
Our dual AI analysis gives Fidelity D & D Bancorp Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FDBC's free cash flow?
Fidelity D & D Bancorp Inc.'s operating cash flow is $7.6M, with capital expenditures of $4.3M. FCF margin is 10.7%.
How does FDBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.5% (avg: 25%), ROE 3.0% (avg: 12%), current ratio N/A (avg: 1.2).