Fidelity D & D Bancorp, Inc. (FDBC) | Investment Case

1. Company Snapshot

1.a. Company Description

Fidelity D & D Bancorp, Inc.operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers.The company accepts savings, clubs, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit.

It also offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans.In addition, the company provides alternative financial and insurance products with asset management services.As of April 21, 2022, it operated 22 full-service banking offices in Lackawanna, Luzerne, and Northampton counties, Pennsylvania.

Fidelity D & D Bancorp, Inc.was founded in 1902 and is headquartered in Dunmore, Pennsylvania.

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1.b. Last Insights on FDBC

Fidelity D & D Bancorp, Inc.'s recent performance was driven by a strong Q2 2025 financial results, showcasing the company's resilience. The unaudited consolidated financial results for the three and six-month periods ended June 30, 2025, likely highlighted robust growth and stability. Additionally, the company's Board of Directors declared a $0.40 per share dividend for Q3, demonstrating a commitment to shareholder returns. This steady dividend payout may attract income-seeking investors. The company's financial health and dividend policy are key strengths. (Source: Globe Newswire)

1.c. Company Highlights

Last Price	43.27
Change Percentage	-0.69%
Open	44.03
Previous Close	43.57
Market Cap ( Millions)	250
Volume	6380
Year High	55.27
Year Low	37
M A 50	43.68
M A 200	42.9

FCF Yield	15.45%
Dividend Yield	3.77%
ROE	3.10%
Debt / Equity	0.00%
Net Debt / EBIDTA	-392.54%
Price To Book	0.09
Price Earnings Ratio	9.59
Price To FCF	6.47
Price To sales	2.5
EV / EBITDA	2.97

2. Transcript Summary

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3. NewsRoom

Charles Hangen Joins Fidelity Bank as Senior Vice President and Chief Risk Officer

Nov -03

Source: globenewswire.com

Eleven Consecutive Years Raising Dividends With 7.5% Increase for Fourth Quarter 2025

Oct -23

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Announces Retirement of Director Richard Hotchkiss

Sep -17

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Reports Second Quarter 2025 Financial Results

Jul -23

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Third Quarter 2025 Dividend

Jul -16

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Second Quarter 2025 Dividend

May -06

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Reports First Quarter 2025 Financial Results

Apr -23

Source: globenewswire.com

Fidelity D & D Bancorp, Inc. Reports 2024 Financial Results

Jan -29

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.20%)

6. Segments

Banking, Trust and Financial Services

Expected Growth: 5.2%

Fidelity D & D Bancorp's Banking, Trust and Financial Services segment is poised for growth driven by increasing demand for commercial and retail banking services, expansion of trust and investment services, and strategic partnerships.

7. Detailed Products

Personal Banking

Fidelity D & D Bancorp, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions, to help businesses grow and succeed.

Wealth Management

Fidelity D & D Bancorp, Inc. offers wealth management services, including investment advice, portfolio management, and retirement planning, to help individuals and families achieve their financial goals.

Mortgage Lending

The company provides mortgage lending services, including residential and commercial mortgage loans, to help individuals and businesses finance their property purchases.

Insurance Services

Fidelity D & D Bancorp, Inc. offers insurance services, including life insurance, disability insurance, and long-term care insurance, to help individuals and businesses manage risk and protect their assets.

8. Fidelity D & D Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Fidelity D & D Bancorp, Inc. is moderate due to the presence of alternative financial institutions and online banking services.

Bargaining Power Of Customers

The bargaining power of customers is low for Fidelity D & D Bancorp, Inc. as customers have limited negotiating power and the bank has a strong brand presence.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate for Fidelity D & D Bancorp, Inc. as the bank relies on a few large suppliers for its operations, but has some negotiating power due to its size.

Threat Of New Entrants

The threat of new entrants is high for Fidelity D & D Bancorp, Inc. due to the ease of entry into the banking industry and the presence of fintech companies.

Intensity Of Rivalry

The intensity of rivalry is high for Fidelity D & D Bancorp, Inc. due to the presence of many competitors in the banking industry and the need to differentiate itself through innovative products and services.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	39.80%
Debt Cost	3.95%
Equity Weight	60.20%
Equity Cost	7.17%
WACC	5.89%
Leverage	66.10%

11. Quality Control: Fidelity D & D Bancorp, Inc. passed 3 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Waterstone Financial

A-Score: 6.4/10

Value: 6.3

Growth: 4.6

Quality: 4.1

Yield: 9.0

Momentum: 6.0

Volatility: 8.7

1-Year Total Return ->

Fidelity D&D Bancorp

A-Score: 6.2/10

Value: 8.2

Growth: 6.0

Quality: 7.5

Yield: 7.0

Momentum: 3.0

Volatility: 5.7

1-Year Total Return ->

Great Southern Bancorp

A-Score: 6.2/10

Value: 6.5

Growth: 4.4

Quality: 6.0

Yield: 6.0

Momentum: 6.5

Volatility: 7.7

1-Year Total Return ->

TC Bancshares

A-Score: 5.7/10

Value: 5.5

Growth: 6.3

Quality: 5.6

Yield: 0.0

Momentum: 9.0

Volatility: 8.0

1-Year Total Return ->

Equity Bancshares

A-Score: 5.5/10

Value: 6.1

Growth: 6.6

Quality: 5.8

Yield: 3.0

Momentum: 4.0

Volatility: 7.3

1-Year Total Return ->

Bridgewater Bancshares

A-Score: 5.4/10

Value: 6.9

Growth: 6.4

Quality: 5.1

Yield: 0.0

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-8.63%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

5.89%

Fidelity D & D Bancorp, Inc. - US31609R1005

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on FDBC

1.c. Company Highlights

Expensive

Average Quality

Stable Momentum

Fairly Valued

Medium Volatility

Weak Momentum

Average Growth

Average Yield

Better Quality

Cheaper

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.20%)

6. Segments

Banking, Trust and Financial Services

Expected Growth: 5.2%

7. Detailed Products

Personal Banking

Business Banking

Wealth Management

Mortgage Lending

Insurance Services

8. Fidelity D & D Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Fidelity D & D Bancorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

43.27$

Current Price

43.27$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA