Fidelity D & D Bancorp Inc
FDBC Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$65.09
KIRA · Stoqly’s AI analyst, in plain words
- Fidelity D & D Bancorp Inc had $93.2M of revenue in fiscal 2025, up 15.3% on the year before. Over five years, revenue changed +9.6% a year on average.
- Fidelity D & D Bancorp Inc made $28.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.8% a year.
- Fidelity D & D Bancorp Inc returned $9.4M to shareholders in fiscal 2025, 38% of free cash flow. The diluted share count rose 0.4%.
- It earned 12.7% on shareholders’ money. Running costs took 63.1% of revenue (the efficiency ratio; lower is better).
Market cap
$383M
P/E
12.4x
Revenue
$93.2M
Net income
$28.2M
Return on equity
12.7%
Efficiency ratio
63.1%
Fidelity D & D Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+15.3%
Yes. Sales grew 15.3% last year.
Does it make a profit?
30.2%
Yes. It keeps 30.2% of every sale as profit.
How lean are its costs?
63.1%
Average. Running costs take 63.1% of revenue.
How much does it earn on its capital?
12.7%
Good. It earns 12.7% a year on shareholders’ money.
How is the share priced?
12.4x
One share costs 12.4 times its yearly profit per share.
What Fidelity D & D Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- FIDELITY D & D BANCORP INC
- CIK
- 0001098151
Fidelity D & D Bancorp Inc · FDBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $80.1M | $88.9M | $73.5M | $80.9M | $93.2M |
| Revenue growth | 36.1% | 11.0% | −17.4% | 10.1% | 15.3% |
| Net interest income | $61.8M | $72.3M | $62.0M | $61.9M | $72.7M |
| Net income | $24.0M | $30.0M | $18.2M | $20.8M | $28.2M |
| Net margin | 30.0% | 33.8% | 24.8% | 25.7% | 30.2% |
| Diluted EPS | $4.48 | $5.29 | $3.19 | $3.60 | $4.86 |
| Cash | |||||
| Cash from operations | $7.2M | $49.4M | $29.7M | $29.6M | $42.4M |
| Capital expenditure | $2.5M | $5.5M | $7.0M | $4.7M | $17.5M |
| Free cash flow | $4.7M | $43.9M | $22.7M | $24.9M | $24.8M |
| FCF margin | 5.8% | 49.4% | 31.0% | 30.8% | 26.6% |
| Dividends paid | $6.6M | $7.7M | $6.8M | $8.8M | $9.4M |
| Share buybacks | $0.0M | $1.3M | $0.0M | — | — |
| Share count change | 16.2% | 5.9% | 0.7% | 1.0% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $96.9M | $29.1M | $112M | $83.4M | $148M |
| Debt incl. finance leases | $1.3M | $14.1M | $118M | $1.0M | $0.8M |
| Loans, net | $1.4B | $1.5B | — | $1.8B | $1.9B |
| Deposits | $2.2B | $2.2B | $2.2B | $2.3B | $2.5B |
| Shareholders' equity | $212M | $163M | $189M | $204M | $239M |
| Returns and quality | |||||
| Return on equity | 12.7% | 16.0% | 10.3% | 10.6% | 12.7% |
| Return on tangible equity | 12.6% | 21.2% | 10.8% | 11.3% | 12.9% |
| Efficiency ratio | 62.5% | 57.8% | 70.6% | 68.7% | 63.1% |
| Piotroski F-score | — | 5 | 3 | 6 | 5 |
Insiders bought, 12 months
$0.7M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Fidelity D & D Bancorp Inc · FDBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $65.09 a share, the company is worth $383M: 12.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001098151). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.