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Fidelity D&D Bancorp Inc.

FDBC Financial Banks Regional

Fidelity D&D Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $140.4 million, up 11.4% from fiscal 2024.

Revenue
+5.91%
EPS
+11.7%
Free cash flow
+157.3%
Total debt
−22.4%

Quarter to June 2026, against a year earlier

67.75 1.93 +2.93%
Market cap
$382.3M
P/E
12.8×
Fwd P/E
22.8×
Dividend yield
3.22%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.50
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 2 — 1 1 — — 1 — — 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 22.66%

Capital & Financial Ratios $m

Size
Market Cap 382.32
Revenue ttm 144.84
Net income ttm 30.60
Free cash flow ttm 28.01
Net debt Q (202.20)
Valuation
P/E 12.83
Forward P/E 22.80
Price / sales 2.75
Forward P/S Powerpack
Price / FCF 14.20
Price / book 1.57
Financial health
Current ratio Q 0.85
Debt / equity Q 0.02
Interest coverage Q —
Growth
Revenue growth Q +5.91% (above 0%: growing)
Operating income growth Q +15.14% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +8.57%
EPS, past 5 yrs +11.50%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 51.17%
10-year low 10-year high
P/S against its own 10 years 46.48%
10-year low 10-year high
P/B against its own 10 years 64.57%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.22%
Annual rate
2.18
Payout ratio
41.5%
Growth, 2017–26
+8.21%/yr
  1. 0.86 ’17
  2. 0.98 ’18 +14%
  3. 1.06 ’19 +8%
  4. 1.14 ’20 +8%
  5. 1.23 ’21 +8%
  6. 1.35 ’22 +10%
  7. 1.46 ’23 +8%
  8. 1.54 ’24 +5%
  9. 1.63 ’25 +6%
  10. 1.75 ’26 +7%
paid

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 112 83 148 208
Receivables — — — —
Inventory — — — —
Other — — — —
1,789 1,874 2,049 2,286
2023 2024 2025 Q'26
Payables 2,158 2,341 2,467 2,559
ST’ Debt — — — —
Other — — — —
2,296 2,363 2,491 2,701

Compound Annual Growth %

10y 5y 3y
Sales 15.39% 16.95% 13.78%
Cash Flow 10.42% 169.86% (5.01%)
Earnings 14.78% 16.69% (2.07%)
Book Value 12.08% 7.46% 13.60%

EPS $

Mar Jun Sep Dec Year
’26 1.28 1.33 — — —
’25 1.03 1.20 1.27 1.37 4.86
’24 0.88 0.86 0.86 1.01 3.60
’23 1.24 0.94 0.93 0.08 3.19
’22 1.32 1.35 1.36 1.26 5.29
’21 1.13 1.13 0.85 1.37 4.48
’20 0.69 0.05 0.99 1.03 2.82
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 36 37 — — —
’25 33 35 36 36 140
’24 30 31 32 33 126
’23 27 28 28 23 105
’22 23 23 24 25 95
’21 20 19 22 23 84
’20 12 15 18 19 64
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 21 — — —
’25 12 13 8 10 42
’24 5 9 9 6 30
’23 7 8 6 8 30
’22 18 10 12 9 49
’21 26 16 (27) (7) 7
’20 5 (7) 11 (8) 0
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 18 — — —
’25 13 7 2 4 26
’24 4 7 8 6 25
’23 6 6 4 7 24
’22 19 6 12 7 45
’21 26 15 (28) (5) 7
’20 5 (8) 10 (8) 0
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 36 39 45 49 64 84 95 105 126 140 145 +16.5% — — — —
Gross margin, % 93.36 91.83 89.06 84.73 91.72 95.66 93.29 69.79 64.17 66.40 68.19 (27.0) pt
EBT 10 10 13 14 15 28 35 20 24 33 36 +13.7%
EBT margin, % 29.47 25.16 29.50 28.11 23.82 33.44 37.21 19.25 18.94 23.61 24.68 (5.9) pt
Net income 8 9 11 12 13 24 30 18 21 28 31 +15.5%
Per share, $
Per share, $ Revenue 9.65 10.62 11.87 13.09 13.99 15.74 16.88 18.54 21.98 24.36 24.68 +10.8%
Earnings 2.09 2.35 2.93 3.06 2.84 4.51 5.32 3.21 3.63 4.89 5.28 +9.9%
Cash flow 4.31 3.74 3.64 6.82 0.06 1.35 8.76 5.23 5.16 7.35 7.87 +6.1%
Capex (0.19) (0.10) (0.56) (0.75) (0.06) 0.01 (0.78) (1.08) (0.77) (2.83) (3.10) +34.9%
Free cash flow 4.12 3.64 3.08 6.07 0.01 1.36 7.97 4.15 4.39 4.52 4.77 +1.0%
Book value 21.91 23.54 24.93 28.26 36.34 39.78 28.87 33.38 35.58 41.44 43.08 +7.3%
Shares, m 4 4 4 4 5 5 6 6 6 6 6 +5.1%
Valuation, ×
Valuation, × P/E 11.50 18.99 21.90 20.33 23.15 13.05 8.70 18.25 13.44 8.90 12.83 15.8
P/S 2.49 4.21 5.41 4.75 4.60 3.75 2.74 3.17 2.22 1.79 2.75 3.5
P/B 1.10 1.90 2.57 2.20 1.77 1.48 1.60 1.76 1.37 1.05 1.57 1.7
EV/Sales 2.05 4.35 5.74 4.75 3.60 2.73 2.52 2.19 1.62 0.78 — 3.0
EV/FCF 4.80 12.70 22.12 10.22 7,968.96 31.67 5.34 9.76 8.09 4.21 — 807.8
Cash, $m
Cash, $m Operating cash flow 16 14 14 26 0 7 49 30 30 42 46 +11.5%
Capex (1) 0 (2) (3) 0 0 (4) (6) (4) (16) (18) +41.8%
Free cash flow 15 14 12 23 0 7 45 24 25 26 28 +6.2%
Balance, $m
Balance, $m Working capital (93) (105) (111) (117) (310) (632) (611) (507) (488) (442) (416) +18.9%
Net debt (26) 5 15 0 (64) (85) (20) (103) (76) (141) (202) +20.8%
Shareholders’ equity 81 87 94 107 167 212 163 189 204 239 253 +12.8%
Returns, %
Returns, % ROA 1.01 1.05 1.19 1.16 0.96 1.17 1.25 0.75 0.82 1.06 1.08 +0.1 pt
ROIC 11.93 6.69 7.59 8.42 10.80 15.30 15.55 14.70 11.67 21.23 44.07 +9.3 pt
ROE 9.80 10.38 12.17 11.55 9.53 12.69 16.02 10.33 10.57 12.74 13.00 +2.9 pt
People
People Employees 167 175 181 189 265 319 320 313 320 324 — +7.6%
Revenue/emp, $m 0.21 0.23 0.25 0.26 0.24 0.26 0.30 0.34 0.39 0.43 — +8.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Fidelity D&D Bancorp Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NECB Northeast Community Bancorp Inc. $398.0M 9.0× 11.9× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
NWFL Norwood Financial Corp. $387.1M 12.2× 11.5× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
PKBK Parke Bancorp, Inc. $383.2M 8.4× — +9.73% (above 0%: growing) +48.57% (above 0%: growing) −12.38% (below 0%: shrinking) 60.74% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $382.3M 12.5× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00%
ISTR Investar Holding Corporation $380.1M 10.6× 9.7× +48.21% (above 0%: growing) +39.13% (above 0%: growing) +108.35% (above 0%: growing) 64.92% 0.00% Compare
AVBH Avidbank Holdings Inc. $375.2M — (loss-making) 10.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FRST Primis Financial Corp. $365.3M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
TSBK Timberland Bancorp, Inc. $364.1M 11.7× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00% Compare
MVBF Mvb Financial Corp. $330.3M 8.4× 12.8× +33.88% (above 0%: growing) +493.75% (above 0%: growing) −42.33% (below 0%: shrinking) 75.80% 0.00% Compare
Median of peers $377.7M 9.0× 11.7× +17.47% +33.75% +26.60% 69.05% 0.00%

All 328 Banks Regional stocks →

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.26m 1.24m 2.28
2024 998.37k 863.32k 0.54
2023 865.18k 1.04m 30.31

Ownership

Directors and executive officers, together 20.69%
Brian J. Cali 7.24%
Brian J. Cali Chairman of the Board, Director 7.24%
Michael J. McDonald 5.97%
Michael J. McDonald Vice Chairman, Director 5.97%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Fidelity D&D Bancorp Inc. (FDBC) Latest News

22 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · GlobeNewswire
Impact 3 · · GlobeNewswireBarchartGuruFocus.comZacksGuruFocus.comGuruFocus.comGuruFocus.comMotley Fool

21 Oct

Impact 4 · · GlobeNewswire

22 Jul

Impact 3 ·

22 Apr

Impact 3 · · GlobeNewswire

11 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 3 · · GlobeNewswireMotley FoolMotley Fool

28 Jan

Impact 4 · · GlobeNewswire

13 Jan

Impact 3 · · Simply Wall St.

2 Jan

Impact 3 · · GlobeNewswire

17 Dec

Impact 4 · · Simply Wall St.

15 Dec

Impact 3 · · Simply Wall St.

11 Dec

Impact 3 · · Simply Wall St.

14 Nov

Impact 3 · · Simply Wall St.

3 Nov

Impact 3 · · GlobeNewswire

28 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · GlobeNewswireBenzingaZacksZacksZacks

8 Oct

Impact 3 ·
Impact 3 · · Simply Wall St.

26 Sep

Impact 4 ·

9 Sep

Impact 3 ·
Impact 3 ·

25 Aug

Impact 4 · · Simply Wall St.

11 Aug

Impact 3 ·

10 Aug

Impact 3 ·

26 Jul

Impact 3 ·

23 Jul

Impact 3 · · GlobeNewswire earnings

16 Jul

Impact 3 ·
stockrow.com/FDBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com