Fidelity D & D Bancorp, Inc. logo

Fidelity D & D Bancorp, Inc.

FDBC

NASDAQFinancial ServicesBanks - Regional

Previous close

$53.63

−$0.70 · -1.29%

Aug 21, 4:00 PM ET

FDBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

85

Deep Value

Momentum

48

Neutral

Sentiment

74

Bullish

Risk resilience

66

Moderate Risk

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Company profile

Company website

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-sized businesses, and larger corporate entities. The institution provides a wide array of deposit options, such as savings accounts, specialized club accounts, both interest-bearing and standard checking accounts, money market accounts, short-term and extended-term time deposits, and certificates of deposit. In terms of lending, its portfolio spans commercial and industrial financing, commercial real estate loans, personal consumer loans, and residential mortgage financing. Beyond traditional banking, the company also delivers supplementary financial and insurance products, in addition to asset management services. As of April 21, 2022, Fidelity D & D Bancorp, Inc. operated 22 full-service banking locations situated in Lackawanna, Luzerne, and Northampton counties within Pennsylvania. The company, which has its roots in a founding date of 1902, maintains its primary corporate office in Dunmore, Pennsylvania.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Daniel J. Santaniello
Listed since
Apr 13, 1999
Employees
311

Market position

Day range

Current $53.63

52-week range

Current $53.63

Open
$53.80
Previous close
$54.33
Volume
5.55K
0.5× average
Average volume
11.12K
Average daily volume
Market cap
311.33M USD
Beta
0.82
Market reference 1
50-day average
$52.1276
+2.88% above average
200-day average
$46.7677
+14.67% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
120.58M USD
EV / EBITDA
3.12×
Earnings yield
11.20%
Free cash flow yield
9.86%

Profitability & efficiency

Return on equity
11.81%
Return on assets
1.03%
Return on invested capital
10.05%

Financial health

Current ratio
0.14×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%74%41%8%Gross margin, FY2021: 98.16%Gross margin, FY2022: 92.69%Gross margin, FY2023: 69.19%Gross margin, FY2024: 63.50%Gross margin, FY2025: 65.50%Operating margin, FY2021: 35.11%Operating margin, FY2022: 37.78%Operating margin, FY2023: 19.37%Operating margin, FY2024: 19.10%Operating margin, FY2025: 23.61%Net margin, FY2021: 30.10%Net margin, FY2022: 31.98%Net margin, FY2023: 17.42%Net margin, FY2024: 16.63%Net margin, FY2025: 20.08%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.16%. Gross margin FY2022 92.69%. Gross margin FY2023 69.19%. Gross margin FY2024 63.50%. Gross margin FY2025 65.50%. Operating margin FY2021 35.11%. Operating margin FY2022 37.78%. Operating margin FY2023 19.37%. Operating margin FY2024 19.10%. Operating margin FY2025 23.61%. Net margin FY2021 30.10%. Net margin FY2022 31.98%. Net margin FY2023 17.42%. Net margin FY2024 16.63%. Net margin FY2025 20.08%.

Income trends

Revenue

140.4M USD+12.25%

Operating income

33.14M USD+38.77%

Net income

28.2M USD+35.61%
Income trends across reported periods152.62M USD103.74M USD54.87M USD5.99M USDRevenue, FY2021: 79.77M USDRevenue, FY2022: 93.89M USDRevenue, FY2023: 104.56M USDRevenue, FY2024: 125.08M USDRevenue, FY2025: 140.4M USDOperating income, FY2021: 28.01M USDOperating income, FY2022: 35.47M USDOperating income, FY2023: 20.26M USDOperating income, FY2024: 23.88M USDOperating income, FY2025: 33.14M USDNet income, FY2021: 24.01M USDNet income, FY2022: 30.02M USDNet income, FY2023: 18.21M USDNet income, FY2024: 20.79M USDNet income, FY2025: 28.2M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 79.77M USD. Revenue FY2022 93.89M USD. Revenue FY2023 104.56M USD. Revenue FY2024 125.08M USD. Revenue FY2025 140.4M USD. Operating income FY2021 28.01M USD. Operating income FY2022 35.47M USD. Operating income FY2023 20.26M USD. Operating income FY2024 23.88M USD. Operating income FY2025 33.14M USD. Net income FY2021 24.01M USD. Net income FY2022 30.02M USD. Net income FY2023 18.21M USD. Net income FY2024 20.79M USD. Net income FY2025 28.2M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue140.4M USD125.08M USD104.56M USD93.89M USD79.77M USD
Cost of goods sold48.44M USD45.65M USD32.22M USD6.86M USD1.47M USD
Gross profit91.96M USD79.43M USD72.34M USD87.02M USD78.3M USD
Selling, general, and administrative35.39M USD32.95M USD29.94M USD31.05M USD28.04M USD
Operating expenses58.82M USD55.55M USD52.09M USD51.56M USD50.29M USD
Interest income119.84M USD107.02M USD93.84M USD78.67M USD65.47M USD
Interest expense47.17M USD45.16M USD31.79M USD6.4M USD3.64M USD
Depreciation and amortization5.5M USD5.67M USD5.7M USD5.26M USD5.42M USD
Operating income33.14M USD23.88M USD20.26M USD35.47M USD28.01M USD
Net income28.2M USD20.79M USD18.21M USD30.02M USD24.01M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
1.33

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1.421.221.010.81Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 23, 2024: actual 0.86, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 29, 2025: actual 1.01, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 23, 2025: actual 1.03, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 23, 2025: actual 1.2, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 22, 2025: actual 1.27, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 28, 2026: actual 1.37, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 22, 2026: actual 1.28, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 22, 2026: actual 1.33, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates40.18M26.78M13.39M1.09KQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 23, 2024: actual 20.13M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 29, 2025: actual 21.01M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 23, 2025: actual 32.22M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 23, 2025: actual 1.28K USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 22, 2025: actual 35.58M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 28, 2026: actual 36.21M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 22, 2026: actual 35.65M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 22, 2026: actual 37.2M USD, estimate —, surprise —, Comparison unavailable.

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