Fidelity D&D Bancorp (FDBC) Stock Price, News & Analysis

Company Overview

Fidelity D&D Bancorp, Inc. (NASDAQ:FDBC) is the bank holding company for D&D Bank, a New York-based community bank offering a full range of financial services to individuals and businesses. Through its subsidiary, the company extends a suite of deposit products—including checking, savings, money market accounts, certificates of deposit and retirement accounts—alongside personal and commercial lending solutions. Its lending portfolio covers one- to four-family residential mortgages, construction and land development loans, commercial real estate financing, owner-occupied commercial lending, small-business lines of credit and consumer installment loans.

In addition to traditional banking services, Fidelity D&D Bancorp provides treasury management and cash management services such as ACH origination, wire transfers, merchant card processing and remote deposit capture. The company also offers digital banking options, including online and mobile banking platforms that allow clients to manage accounts, pay bills, transfer funds and access e-statements. These digital offerings are complemented by relationship-based service through branch offices and dedicated commercial lending teams.

Headquartered in Rochester, New York, the company serves the Finger Lakes region, Greater Rochester area and adjacent counties through a network of full-service branches and lending offices. Fidelity D&D Bancorp focuses on cultivating long-term relationships within local communities, supporting small and mid-sized businesses, professionals and individuals by tailoring financial solutions to meet their evolving needs. Its community involvement includes participation in development initiatives, sponsorship of local events and partnerships with nonprofit organizations.

Fidelity D&D Bancorp was formed in mid-2020 as part of a restructuring that established the holding company to support D&D Bank’s growth and capitalize on market opportunities. Drawing on decades of regional banking experience, the company is governed by a board of directors and led by a senior management team with extensive backgrounds in community banking, commercial lending and financial services. The leadership group is committed to balancing credit quality, prudent risk management and customer-centric service as it pursues measured expansion and operational efficiency.

Key Stats

• Today's Range: $43.32 to $44.50
• 50-Day Range: $39.38 to $48.58
• 52-Week Range: $37.00 to $61.21
• Volume: 18,870 shs
• Average Volume: 8,570 shs
• Market Capitalization: $251.04 million
• P/E Ratio: 11.58
• Dividend Yield: 3.68%
• Price Target: N/A
• Consensus Rating: N/A

Fidelity D&D Bancorp Stock Analysis - MarketRank™

Fidelity D&D Bancorp scored higher than 88% of companies evaluated by MarketBeat, and ranked 185th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Fidelity D&D Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Fidelity D&D Bancorp is 11.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fidelity D&D Bancorp is 11.58, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Fidelity D&D Bancorp has a P/B Ratio of 1.22. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.48% of the float of Fidelity D&D Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Fidelity D&D Bancorp has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Fidelity D&D Bancorp has recently decreased by 7.35%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Fidelity D&D Bancorp is a leading dividend payer. It pays a dividend yield of 3.62%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Fidelity D&D Bancorp has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of Fidelity D&D Bancorp is 42.55%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.47

Percentage of Shares Shorted

0.48% of the float of Fidelity D&D Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Fidelity D&D Bancorp has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Fidelity D&D Bancorp has recently decreased by 7.35%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.93

News Sentiment

Fidelity D&D Bancorp has a news sentiment score of 0.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Fidelity D&D Bancorp this week, compared to 1 article on an average week.

Search Interest

1 people have searched for FDBC on MarketBeat in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Fidelity D&D Bancorp insiders have sold 216.89% more of their company's stock than they have bought. Specifically, they have bought $12,430.00 in company stock and sold $39,390.00 in company stock.

Percentage Held by Insiders

21.00% of the stock of Fidelity D&D Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 20.05% of the stock of Fidelity D&D Bancorp is held by institutions.

FDBC Stock Analysis - Frequently Asked Questions

How have FDBC shares performed this year?

Fidelity D&D Bancorp's stock was trading at $48.80 on January 1st, 2025. Since then, FDBC stock has decreased by 10.8% and is now trading at $43.53.

How were Fidelity D&D Bancorp's earnings last quarter?

Fidelity D&D Bancorp Inc. (NASDAQ:FDBC) announced its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported $1.03 EPS for the quarter. The financial services provider had revenue of $22.01 million for the quarter. Fidelity D&D Bancorp had a net margin of 16.83% and a trailing twelve-month return on equity of 10.62%.

How do I buy shares of Fidelity D&D Bancorp?

Shares of FDBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Fidelity D&D Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Fidelity D&D Bancorp investors own include NVIDIA (NVDA), Tesla (TSLA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX) and Visa (V).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 6/10 Dividend: 5/20/2025
• Ex-Dividend for 6/10 Dividend: 5/20/2025
• Dividend Payable: 6/10/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FDBC
• CIK: 1098151
• Web: www.bankatfidelity.com
• Phone: (570) 342-8281
• Fax: N/A
• Employees: 320
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.76
• Trailing P/E Ratio: 11.58
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $20.79 million
• Net Margins: 16.83%
• Pretax Margin: 19.52%
• Return on Equity: 10.62%
• Return on Assets: 0.83%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $126.04 million
• Price / Sales: 1.99
• Cash Flow: $4.55 per share
• Price / Cash Flow: 9.57
• Book Value: $35.56 per share
• Price / Book: 1.22

Miscellaneous

• Outstanding Shares: 5,770,000
• Free Float: 4,556,000
• Market Cap: $251.17 million
• Optionable: Not Optionable
• Beta: 0.97