Fidelity D & D Bancorp, Inc. Logo

Fidelity D & D Bancorp, Inc.

FDBC

(2.5)
Stock Price

51,14 USD

0.64% ROA

7.87% ROE

17.48x PER

Market Cap.

275.724.232,00 USD

53.84% DER

3.16% Yield

14.85% NPM

Fidelity D & D Bancorp, Inc. Stock Analysis

Fidelity D & D Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Fidelity D & D Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (14.6%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.01%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.81x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock has a reasonable amount of debt compared to its ownership (79%), suggesting a balanced financial position and a moderate level of risk.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (199), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

Fidelity D & D Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Fidelity D & D Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Fidelity D & D Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Fidelity D & D Bancorp, Inc. Revenue
Year Revenue Growth
2000 16.652.560
2001 19.227.636 13.39%
2002 19.987.702 3.8%
2003 18.408.101 -8.58%
2004 20.376.758 9.66%
2005 21.464.556 5.07%
2006 21.690.739 1.04%
2007 22.824.497 4.97%
2008 24.291.267 6.04%
2009 24.573.700 1.15%
2010 26.176.879 6.12%
2011 26.780.000 2.25%
2012 28.149.000 4.86%
2013 31.426.000 10.43%
2014 29.281.000 -7.33%
2015 31.018.000 5.6%
2016 33.142.000 6.41%
2017 36.208.000 8.47%
2018 39.657.000 8.7%
2019 41.908.000 5.37%
2020 58.853.000 28.79%
2021 80.116.000 26.54%
2022 88.916.000 9.9%
2023 75.856.000 -17.22%
2023 105.452.000 28.07%
2024 122.616.000 14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Fidelity D & D Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Fidelity D & D Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 5.614.256
2001 6.122.589 8.3%
2002 6.483.041 5.56%
2003 6.399.792 -1.3%
2004 6.765.551 5.41%
2005 7.093.427 4.62%
2006 8.328.407 14.83%
2007 8.705.698 4.33%
2008 9.869.866 11.8%
2009 9.763.430 -1.09%
2010 9.433.437 -3.5%
2011 10.546.000 10.55%
2012 10.038.000 -5.06%
2013 10.878.000 7.72%
2014 11.323.000 3.93%
2015 12.504.000 9.44%
2016 14.005.000 10.72%
2017 15.767.000 11.18%
2018 16.598.000 5.01%
2019 17.949.000 7.53%
2020 24.056.000 25.39%
2021 30.613.000 21.42%
2022 32.545.000 5.94%
2023 0 0%
2023 26.766.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Fidelity D & D Bancorp, Inc. EBITDA
Year EBITDA Growth
2000 26.259.713
2001 26.709.172 1.68%
2002 24.981.609 -6.92%
2003 19.175.113 -30.28%
2004 17.435.898 -9.97%
2005 19.362.416 9.95%
2006 23.198.462 16.54%
2007 25.038.086 7.35%
2008 20.000.481 -25.19%
2009 9.382.794 -113.16%
2010 3.393.007 -176.53%
2011 14.693.000 76.91%
2012 13.288.000 -10.57%
2013 16.048.000 17.2%
2014 14.572.000 -10.13%
2015 15.016.000 2.96%
2016 16.121.000 6.85%
2017 16.258.000 0.84%
2018 21.037.000 22.72%
2019 17.203.000 -22.29%
2020 19.823.000 13.22%
2021 33.432.000 40.71%
2022 41.866.000 20.15%
2023 23.720.000 -76.5%
2023 -1 2372000100%
2024 5.492.000 100%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Fidelity D & D Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2000 16.652.560
2001 19.227.636 13.39%
2002 19.987.702 3.8%
2003 18.408.101 -8.58%
2004 20.376.758 9.66%
2005 21.464.556 5.07%
2006 21.690.739 1.04%
2007 22.824.497 4.97%
2008 24.291.267 6.04%
2009 24.573.700 1.15%
2010 26.176.879 6.12%
2011 26.780.000 2.25%
2012 26.486.000 -1.11%
2013 30.034.000 11.81%
2014 28.677.000 -4.73%
2015 29.854.000 3.94%
2016 32.138.000 7.11%
2017 35.494.000 9.46%
2018 39.030.000 9.06%
2019 41.908.000 6.87%
2020 58.853.000 28.79%
2021 80.116.000 26.54%
2022 88.916.000 9.9%
2023 75.856.000 -17.22%
2023 105.240.000 27.92%
2024 122.616.000 14.17%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Fidelity D & D Bancorp, Inc. Net Profit
Year Net Profit Growth
2000 3.202.291
2001 3.848.136 16.78%
2002 4.046.173 4.89%
2003 1.643.248 -146.23%
2004 3.364.474 51.16%
2005 4.591.697 26.73%
2006 4.125.283 -11.31%
2007 4.611.572 10.54%
2008 3.635.948 -26.83%
2009 -1.400.205 359.67%
2010 -3.204.394 56.3%
2011 5.045.000 163.52%
2012 5.298.000 4.78%
2013 7.122.000 25.61%
2014 6.352.000 -12.12%
2015 7.103.000 10.57%
2016 7.693.000 7.67%
2017 8.716.000 11.74%
2018 11.006.000 20.81%
2019 11.576.000 4.92%
2020 13.035.000 11.19%
2021 24.008.000 45.71%
2022 30.021.000 20.03%
2023 21.360.000 -40.55%
2023 18.210.000 -17.3%
2024 19.740.000 7.75%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Fidelity D & D Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 2 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 -1 100%
2011 2 200%
2012 2 0%
2013 2 50%
2014 2 -100%
2015 2 0%
2016 2 50%
2017 2 0%
2018 3 0%
2019 3 33.33%
2020 3 -50%
2021 5 50%
2022 5 20%
2023 4 -66.67%
2023 3 0%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Fidelity D & D Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2000 2.123.097
2001 5.563.143 61.84%
2002 5.038.088 -10.42%
2003 7.776.363 35.21%
2004 6.543.589 -18.84%
2005 6.059.082 -8%
2006 4.148.867 -46.04%
2007 2.076.424 -99.81%
2008 31.838.775 93.48%
2009 10.726.305 -196.83%
2010 13.509.094 20.6%
2011 14.666.000 7.89%
2012 2.565.000 -471.77%
2013 22.022.000 88.35%
2014 4.928.000 -346.88%
2015 14.129.000 65.12%
2016 14.383.000 1.77%
2017 12.966.000 -10.93%
2018 10.078.000 -28.66%
2019 21.658.000 53.47%
2020 -1.094.000 2079.71%
2021 4.679.000 123.38%
2022 43.913.000 89.34%
2023 4.309.000 -919.1%
2023 24.232.000 82.22%
2024 5.538.000 -337.56%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Fidelity D & D Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2000 5.053.529
2001 6.787.340 25.54%
2002 7.580.478 10.46%
2003 8.396.873 9.72%
2004 6.821.932 -23.09%
2005 6.761.774 -0.89%
2006 5.871.235 -15.17%
2007 4.563.104 -28.67%
2008 35.789.109 87.25%
2009 11.794.843 -203.43%
2010 14.389.261 18.03%
2011 15.084.000 4.61%
2012 4.544.000 -231.95%
2013 23.060.000 80.29%
2014 7.898.000 -191.97%
2015 15.725.000 49.77%
2016 15.859.000 0.84%
2017 13.887.000 -14.2%
2018 13.650.000 -1.74%
2019 25.786.000 47.06%
2020 296.000 -8611.49%
2021 7.199.000 95.89%
2022 49.427.000 85.44%
2023 6.306.000 -683.81%
2023 31.186.000 79.78%
2024 9.017.000 -245.86%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Fidelity D & D Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2000 2.930.432
2001 1.224.197 -139.38%
2002 2.542.390 51.85%
2003 620.510 -309.73%
2004 278.343 -122.93%
2005 702.692 60.39%
2006 1.722.368 59.2%
2007 2.486.680 30.74%
2008 3.950.334 37.05%
2009 1.068.538 -269.7%
2010 880.167 -21.4%
2011 418.000 -110.57%
2012 1.979.000 78.88%
2013 1.038.000 -90.66%
2014 2.970.000 65.05%
2015 1.596.000 -86.09%
2016 1.476.000 -8.13%
2017 921.000 -60.26%
2018 3.572.000 74.22%
2019 4.128.000 13.47%
2020 1.390.000 -196.98%
2021 2.520.000 44.84%
2022 5.514.000 54.3%
2023 1.997.000 -176.11%
2023 6.954.000 71.28%
2024 3.479.000 -99.89%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Fidelity D & D Bancorp, Inc. Equity
Year Equity Growth
2000 37.519.412
2001 40.172.230 6.6%
2002 45.234.433 11.19%
2003 43.931.899 -2.96%
2004 46.366.760 5.25%
2005 48.846.029 5.08%
2006 51.611.863 5.36%
2007 55.191.294 6.49%
2008 48.960.651 -12.73%
2009 45.674.547 -7.19%
2010 46.774.015 2.35%
2011 53.624.000 12.77%
2012 59.342.000 9.64%
2013 66.060.000 10.17%
2014 72.219.000 8.53%
2015 76.351.000 5.41%
2016 80.631.000 5.31%
2017 87.383.000 7.73%
2018 93.557.000 6.6%
2019 97.742.000 4.28%
2020 166.670.000 41.36%
2021 211.729.000 21.28%
2022 162.950.000 -29.93%
2023 165.432.000 1.5%
2023 189.479.000 12.69%
2024 195.692.000 3.17%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Fidelity D & D Bancorp, Inc. Assets
Year Assets Growth
2000 491.743.871
2001 569.029.838 13.58%
2002 577.989.236 1.55%
2003 575.215.466 -0.48%
2004 536.675.138 -7.18%
2005 544.060.698 1.36%
2006 562.317.988 3.25%
2007 587.412.555 4.27%
2008 575.718.997 -2.03%
2009 556.017.271 -3.54%
2010 561.673.152 1.01%
2011 606.742.000 7.43%
2012 601.921.000 -0.8%
2013 623.825.000 3.51%
2014 676.485.000 7.78%
2015 729.358.000 7.25%
2016 792.944.000 8.02%
2017 863.637.000 8.19%
2018 981.102.000 11.97%
2019 964.220.000 -1.75%
2020 1.699.510.000 43.26%
2021 2.419.104.000 29.75%
2022 2.378.372.000 -1.71%
2023 2.476.820.000 3.97%
2023 2.514.537.000 1.5%
2024 2.500.645.000 -0.56%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Fidelity D & D Bancorp, Inc. Liabilities
Year Liabilities Growth
2000 454.224.459
2001 528.857.608 14.11%
2002 532.754.803 0.73%
2003 531.283.567 -0.28%
2004 490.308.378 -8.36%
2005 495.214.669 0.99%
2006 510.706.125 3.03%
2007 532.221.261 4.04%
2008 526.758.346 -1.04%
2009 510.342.724 -3.22%
2010 514.899.137 0.88%
2011 553.118.000 6.91%
2012 542.579.000 -1.94%
2013 557.765.000 2.72%
2014 604.266.000 7.7%
2015 653.007.000 7.46%
2016 712.313.000 8.33%
2017 776.254.000 8.24%
2018 887.545.000 12.54%
2019 866.478.000 -2.43%
2020 1.532.840.000 43.47%
2021 2.207.375.000 30.56%
2022 2.215.422.000 0.36%
2023 2.311.388.000 4.15%
2023 2.325.058.000 0.59%
2024 2.304.953.000 -0.87%

Fidelity D & D Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.87
Net Income per Share
2.75
Price to Earning Ratio
17.48x
Price To Sales Ratio
2.68x
POCF Ratio
9.69
PFCF Ratio
14.25
Price to Book Ratio
1.41
EV to Sales
3.06
EV Over EBITDA
104.51
EV to Operating CashFlow
11.01
EV to FreeCashFlow
16.23
Earnings Yield
0.06
FreeCashFlow Yield
0.07
Market Cap
0,28 Bil.
Enterprise Value
0,31 Bil.
Graham Number
45.9
Graham NetNet
-332.82

Income Statement Metrics

Net Income per Share
2.75
Income Quality
1.8
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.89
EBT Per Ebit
0.27
Ebit per Revenue
0.63
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.63
Pretax Profit Margin
0.17
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
3.16
Payout Ratio
0.49
Dividend Per Share
1.52

Operating Metrics

Operating Cashflow per Share
4.96
Free CashFlow per Share
3.37
Capex to Operating CashFlow
0.32
Capex to Revenue
0.09
Capex to Depreciation
1.55
Return on Invested Capital
0.2
Return on Tangible Assets
0.01
Days Sales Outstanding
145.71
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
2.51
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.59

Balance Sheet

Cash per Share
70,58
Book Value per Share
34,05
Tangible Book Value per Share
30.46
Shareholders Equity per Share
34.05
Interest Debt per Share
20.24
Debt to Equity
0.54
Debt to Assets
0.04
Net Debt to EBITDA
12.72
Current Ratio
0.07
Tangible Asset Value
0,18 Bil.
Net Current Asset Value
-2,22 Bil.
Invested Capital
-1099650000
Working Capital
-1,17 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,04 Bil.
Average Payables
0,00 Bil.
Average Inventory
-85046500
Debt to Market Cap
0.38

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Fidelity D & D Bancorp, Inc. Dividends
Year Dividends Growth
2001 1
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 100%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Fidelity D & D Bancorp, Inc. Profile

About Fidelity D & D Bancorp, Inc.

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.

CEO
Mr. Daniel J. Santaniello
Employee
291
Address
Blakely And Drinker Streets
Dunmore, 18512

Fidelity D & D Bancorp, Inc. Executives & BODs

Fidelity D & D Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. John T. Cognetti
Secretary & Director
70
2 Mr. William P. McAndrew
Senior Vice President & Wealth Advisor
70
3 Mr. Eugene J. Walsh
Executive Vice President & Chief Operating Officer
70
4 Mr. Daniel J. Santaniello
President, Chief Executive Officer & Director
70
5 Ms. Ruth G. Turkington
Executive Vice President & Chief Consumer Banking Officer
70
6 Mr. Salvatore R. DeFrancesco Jr., CPA, CGMA
Executive Vice President, Treasurer & Chief Financial Officer
70
7 Mr. Michael J. Pacyna Jr.
Executive Vice President & Chief Lending Officer
70
8 Mr. William Fennie III, C.F.A.
Vice President & Investment Officer
70
9 Mr. John Pash
Investor Relations Officer
70
10 Mr. Timothy P. O'Brien
Senior EVice President & Chief Business Development Officer of The Fidelity Deposit and Discount Bank
70

Fidelity D & D Bancorp, Inc. Competitors