Fidelity D & D Bancorp (FDBC) AI Stock Analysis

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Fidelity D & D Bancorp

(NASDAQ:FDBC)

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Rating:77Outperform

Price Target:$80.00▲(17.41% Upside)

Action:reiterated

Date:08/08/26

The score is driven primarily by solid financial performance (strong profitability and cash generation, partially offset by balance-sheet leverage variability), complemented by constructive technical momentum and an attractive valuation (low P/E and a ~3.2% dividend yield).

Positive Factors

Revenue GrowthThe sustained increase in revenue over several years indicates expanding business activity rather than a single-period improvement. Continued top-line growth can support operating scale, strengthen the bank’s local-market position, and provide a durable base for future earnings generation.

Negative Factors

Leverage VariabilityThe sharp movement in debt-to-equity indicates that FDBC’s balance-sheet funding profile has not been consistently conservative. Greater leverage can reduce financial flexibility, increase sensitivity to changing conditions, and make future capital allocation more constrained than at steadier-funded peers.

Fidelity D & D Bancorp (FDBC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $407.00M
Dividend Yield: 2.52%
Average Volume (3M): 11.47K
Price to Earnings (P/E): 12.3
Beta (1Y): 0.58
Revenue Growth: 8.41%
EPS Growth: 22.29%
Country: US
Employees: 311
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Fidelity D & D Bancorp Business Overview & Revenue Model

Company Description

Fidelity D & D Bancorp, Inc. serves as the parent company for The Fidelity Deposit and Discount Bank, offering a comprehensive suite of banking, trust, and financial solutions. Its diverse clientele includes individual consumers, small to medium-size...

How the Company Makes Money

Fidelity D & D Bancorp primarily makes money through its banking subsidiary by earning interest and fees from financial products and services. The largest driver is typically net interest income: the bank collects interest on loans (such as commercia...

Fidelity D & D Bancorp Financial Statement Overview

Summary

Income statement and cash flow are solid (Income Statement 78; Cash Flow 74) with improving recent profitability and strong TTM cash generation, but balance-sheet quality is weaker (Balance Sheet 62) due to notable leverage variability and sensitivity versus prior peak margins.

Income Statement

78Positive

Balance Sheet

62Positive

Cash Flow

74Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	148.29M	140.40M	125.08M	104.56M	93.89M	79.77M
Gross Profit	100.14M	91.96M	79.42M	72.34M	87.02M	78.30M
EBITDA	53.34M	38.64M	29.54M	25.96M	40.72M	33.43M
Net Income	32.17M	28.20M	20.79M	18.21M	30.02M	24.01M
Balance Sheet
Total Assets	3.03B	2.75B	2.58B	2.50B	2.38B	2.42B
Cash, Cash Equivalents and Short-Term Investments	686.88M	323.80M	414.81M	455.99M	449.95M	835.86M
Total Debt	137.42M	16.87M	16.99M	134.12M	31.03M	21.57M
Total Liabilities	2.78B	2.51B	2.38B	2.31B	2.22B	2.21B
Stockholders Equity	246.98M	238.86M	203.97M	189.48M	162.95M	211.73M
Cash Flow
Free Cash Flow	30.66M	24.82M	24.90M	22.74M	43.91M	4.68M
Operating Cash Flow	38.52M	42.36M	29.56M	29.69M	49.43M	7.20M
Investing Cash Flow	-175.04M	-95.25M	-113.59M	-35.27M	-115.39M	-303.24M
Financing Cash Flow	202.77M	117.60M	55.43M	88.44M	-1.82M	323.57M

Fidelity D & D Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price68.14

Price Trends

50DMA57.71Positive

100DMA54.86Positive

200DMA49.74Positive

Market Momentum

MACD3.33Negative

RSI70.52Negative

STOCH67.78Neutral

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 68.14 is above the 20-day moving average (MA) of 62.11, above the 50-day MA of 57.71, and above the 200-day MA of 49.74, indicating a bullish trend. The MACD of 3.33 indicates Negative momentum. The RSI at 70.52 is Negative, neither overbought nor oversold. The STOCH value of 67.78 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 Risk Analysis

Fidelity D & D Bancorp disclosed 35 risk factors in its most recent earnings report. Fidelity D & D Bancorp reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Fidelity D & D Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

FDBC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PKBK	82Outperform	$393.30M	8.06	13.90%	2.34%	8.56%	40.25%
FDBC	77Outperform	$407.00M	12.28	13.08%	2.52%	8.41%	22.29%
CHMG	74Outperform	$420.50M	10.65	14.49%	1.63%	18.85%	185.70%
ISBA	74Outperform	$355.65M	14.16	8.89%	2.76%	11.39%	16.66%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WNEB	66Neutral	$278.62M	13.68	8.04%	2.05%	5.29%	52.20%

* Financial Sector Average

Performance Comparison

FDBC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
FDBC	Fidelity D & D Bancorp	68.14	25.50	59.80%
PKBK	Parke Bancorp	32.48	11.32	53.49%
WNEB	Western New England Bancorp	13.68	2.17	18.82%
CHMG	Chemung Financial Corp	84.88	35.16	70.72%
ISBA	Isabella Bank Corporation	40.63	3.02	8.03%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 08, 2026

Fidelity D & D Bancorp AI Stock Analysis