Fidelity D & D Bancorp (FDBC) AI Stock Analysis

• Market Cap: $243.33M
• Dividend Yield: 3.7%
• Average Volume (3M): 6.59K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.67
• Revenue Growth: 18.68%
• EPS Growth: 32.74%
• Country: US
• Employees: 289
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.03
• Shares Outstanding: 5,767,500
• 10 Day Avg. Volume: 5,281
• 30 Day Avg. Volume: 6,586
• PEG Ratio: 2.41
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.97
• Enterprise Value/Market Cap: 0.70
• Enterprise Value/Revenue: 0.42
• Enterprise Value/Gross Profit: 1.66
• Enterprise Value/Ebitda: 2.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Fidelity D & D Bancorp exhibits strong financial fundamentals with significant revenue growth and a robust balance sheet. However, the stock's technical indicators suggest a bearish trend, leading to a cautious outlook. The valuation appears favorable with a low P/E ratio and attractive dividend yield, providing some upside potential.

Fidelity D & D Bancorp Business Overview & Revenue Model

Company Description

Fidelity D & D Bancorp, Inc. (FDBC) is a bank holding company headquartered in Dunmore, Pennsylvania. The company operates through its subsidiary, The Fidelity Deposit and Discount Bank, which provides a wide range of financial services, including personal and business banking, loans, mortgages, and wealth management services. The bank serves individuals, small to medium-sized businesses, and municipalities in Northeastern Pennsylvania, offering products tailored to meet the diverse needs of its clients.

How the Company Makes Money

Fidelity D & D Bancorp generates revenue primarily through the interest income earned on loans and securities, which forms the core of its earnings. The company offers various loan products, including commercial loans, residential mortgages, and consumer loans, and earns interest from these financial products. Additionally, the bank earns non-interest income through fees collected from services such as deposit account maintenance, transaction fees, and wealth management services. The company also benefits from partnerships and relationships with local businesses and communities, enhancing its service offerings and expanding its customer base. Overall, the company's strategic focus on personalized banking services and strong community ties significantly contributes to its revenue generation.

Fidelity D & D Bancorp Financial Statement Overview

Summary

Fidelity D & D Bancorp shows strong financial performance with substantial revenue growth and profitability. The balance sheet is robust with no debt, while cash flow metrics indicate stability. However, efficiency improvements are needed as cash flow growth is stagnant.

Income Statement

Fidelity D & D Bancorp has demonstrated a strong financial performance with a significant revenue growth rate of 47.23% from 2023 to 2024, coupled with a robust EBIT margin of 97.30%. The net profit margin also shows healthy profitability at 19.43% in 2024. However, the lack of EBITDA data for 2024 limits the analysis of operating profitability.

Balance Sheet

The company maintains a strong balance sheet with a zero debt-to-equity ratio as of 2024, indicating no leverage risk. The return on equity improved to 10.19% in 2024, reflecting efficient use of equity capital. The equity ratio of 7.89% suggests a conservative capital structure but highlights lower equity relative to total assets.

Cash Flow

Cash flow stability is evident with consistent operating cash flow and a positive free cash flow to net income ratio of 1.42 in 2024. However, free cash flow growth is stagnant, and the operating cash flow to net income ratio has slightly decreased, indicating potential efficiency challenges.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
79.92M	72.70M	88.92M	80.12M	58.85M
	Gross Profit
79.92M	72.34M	88.92M	80.12M	58.85M
	EBIT
23.88M	27.43M	36.61M	28.01M	15.28M
	EBITDA
0.00	0.00	40.72M	33.43M	19.82M
	Net Income Common Stockholders
20.79M	18.21M	30.02M	24.01M	13.04M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
357.73M	111.95M	29.09M	835.86M	461.77M
	Total Assets
2.58B	2.50B	2.38B	2.42B	1.70B
	Total Debt
16.99M	134.12M	20.56M	10.62M	5.00M
	Net Debt
-66.36M	22.17M	-8.53M	-86.26M	-64.35M
	Total Liabilities
2.38B	2.31B	2.22B	2.21B	1.53B
	Stockholders Equity
203.97M	189.48M	162.95M	211.73M	166.67M
Cash Flow		Free Cash Flow
24.90M	22.74M	43.91M	4.68M	-1.09M
	Operating Cash Flow
29.56M	29.69M	49.43M	7.20M	296.00K
	Investing Cash Flow
-113.59M	-35.27M	-115.39M	-303.24M	-164.24M
	Financing Cash Flow
55.43M	88.44M	-1.82M	323.57M	217.63M

Fidelity D & D Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.19
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDBC, the sentiment is Positive. The current price of 42.19 is above the 20-day moving average (MA) of 40.75, above the 50-day MA of 41.43, and below the 200-day MA of 46.85, indicating a neutral trend. The MACD of 0.38 indicates Negative momentum. The RSI at 54.13 is Neutral, neither overbought nor oversold. The STOCH value of 64.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FDBC.

Fidelity D & D Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	77 Outperform	$248.81M	9.73	10.54%	3.11%	12.28%	5.73%
PLBC	76 Outperform	$266.99M	9.11	16.93%	2.46%	10.64%	3.48%
LNKB	71 Outperform	$265.81M	7.37	12.74%	4.22%	77.09%	―
BWFG	67 Neutral	$279.11M	22.56	4.48%	2.26%	-0.04%	-58.45%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%
FDBC	61 Neutral	$243.33M	11.22	10.77%	3.70%	18.68%	32.74%
WSBF	60 Neutral	$243.21M	12.58	5.50%	4.71%	5.89%	96.63%