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Fidelity D&D Bancorp (FDBC) Financials

Fidelity D&D Bancorp logo
$52.71 +1.64 (+3.21%)
Closing price 04:00 PM Eastern
Extended Trading
$52.62 -0.09 (-0.17%)
As of 04:10 PM Eastern
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Annual Income Statements for Fidelity D&D Bancorp

Annual Income Statements for Fidelity D&D Bancorp

This table shows Fidelity D&D Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
Consolidated Net Income / (Loss)		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
Net Income / (Loss) Continuing Operations		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
Total Pre-Tax Income 		8.92 10 9.92 13 14 15 28 35 20 24 33
Total Revenue		 31 33 36 40 42 59 80 89 73 81 93
Net Interest Income / (Expense)		 23 25 28 30 32 44 62 72 62 62 73
Total Interest Income		 26 27 31 35 39 49 65 79 94 107 120
Loans and Leases Interest Income		 23 24 27 30 33 42 54 62 77 88 98
Investment Securities Interest Income		 2.62 3.07 4.12 5.11 5.78 7.39 11 16 16 17 17
Deposits and Money Market Investments Interest Income		 0.03 0.07 0.05 0.10 0.05 0.12 0.15 0.89 0.46 1.54 4.56
Total Interest Expense		 2.53 2.36 3.22 4.87 7.55 5.31 3.64 6.40 32 45 47
Deposits Interest Expense		 2.24 2.31 2.75 3.81 6.18 4.76 3.46 6.14 29 43 47
Short-Term Borrowings Interest Expense		 0.02 0.03 0.21 0.67 0.88 0.25 0.00 0.05 2.37 1.56 0.00
Federal Funds Purchased and Securities Sold Interest Expense		 0.02 0.02 0.02 0.02 - - - - - 0.44 0.37
Total Non-Interest Income		 7.53 8.01 8.37 9.20 10 15 18 17 11 19 21
Other Service Charges		 5.21 6.64 7.22 7.92 8.69 10 13 14 16 17 18
Net Realized & Unrealized Capital Gains on Investments		 1.24 1.01 0.57 0.68 0.86 3.58 4.03 1.43 -5.79 0.96 0.62
Other Non-Interest Income		 0.34 0.35 0.58 0.60 0.65 0.79 1.23 1.29 1.33 1.50 1.58
Provision for Credit Losses		 1.08 1.03 1.45 1.45 1.09 5.25 2.00 2.09 1.33 1.47 1.27
Total Non-Interest Expense		 21 22 25 25 27 38 50 51 52 56 59
Salaries and Employee Benefits		 10 12 13 14 15 18 24 27 26 29 31
Net Occupancy & Equipment Expense		 4.17 4.52 5.07 5.25 5.89 7.87 9.56 10 12 12 13
Marketing Expense		 1.48 1.22 1.86 1.66 1.61 2.27 3.25 3.38 3.17 2.88 3.31
Property & Liability Insurance Claims		 0.40 0.35 0.27 0.27 0.13 0.28 0.68 0.69 1.12 1.23 1.24
Other Operating Expenses		 4.50 3.96 4.57 4.23 4.09 7.59 9.47 10 10 11 11
Income Tax Expense		 1.82 2.77 1.21 2.13 2.33 2.25 4.00 5.45 2.05 3.08 4.95
Basic Earnings per Share		 $1.94 $2.09 $2.35 $2.93 $3.06 $2.84 $4.51 $5.32 $3.21 $3.63 $4.89
Weighted Average Basic Shares Outstanding		 2.45M 3.68M 3.71M 3.75M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Diluted Earnings per Share		 $1.94 $2.09 $2.33 $2.90 $3.03 $2.82 $4.48 $5.29 $3.19 $3.60 $4.86
Weighted Average Diluted Shares Outstanding		 2.45M 3.68M 3.71M 3.75M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Weighted Average Basic & Diluted Shares Outstanding		 2.45M 3.68M 3.71M 3.75M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Cash Dividends to Common per Share		 $0.77 $0.83 $0.88 $0.98 $1.06 $1.14 $1.23 $1.35 $1.46 $1.54 $1.63

Quarterly Income Statements for Fidelity D&D Bancorp

This table shows Fidelity D&D Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.34 0.47 5.06 4.94 4.97 5.84 5.99 6.92 7.35 7.94 7.46
Consolidated Net Income / (Loss)		 5.34 0.47 5.06 4.94 4.97 5.84 5.99 6.92 7.35 7.94 7.46
Net Income / (Loss) Continuing Operations		 5.34 0.47 5.06 4.94 4.97 5.84 5.99 6.92 7.35 7.94 7.46
Total Pre-Tax Income 		5.93 0.11 5.75 5.70 5.76 6.66 7.08 8.26 8.59 9.21 8.44
Total Revenue		 19 13 20 20 20 21 22 23 24 24 25
Net Interest Income / (Expense)		 15 15 15 15 15 16 17 18 18 19 19
Total Interest Income		 24 25 26 26 27 28 28 30 31 31 30
Loans and Leases Interest Income		 20 21 21 21 23 23 23 24 25 26 25
Investment Securities Interest Income		 3.85 3.96 4.32 4.31 4.36 4.24 4.24 4.24 4.34 4.04 3.92
Deposits and Money Market Investments Interest Income		 0.06 0.24 0.38 0.44 0.22 0.51 0.77 1.51 1.06 1.21 1.35
Total Interest Expense		 9.04 9.94 11 11 12 12 11 12 12 12 11
Deposits Interest Expense		 8.49 9.23 9.94 10 11 11 11 12 12 12 11
Federal Funds Purchased and Securities Sold Interest Expense		 0.12 - 0.12 0.12 0.10 - 0.09 - 0.10 - 0.07
Total Non-Interest Income		 4.33 -1.94 4.57 4.62 4.98 4.85 4.97 5.36 5.11 5.12 5.19
Other Service Charges		 3.75 3.97 4.02 4.01 4.35 4.24 4.34 4.67 4.50 4.85 5.22
Net Realized & Unrealized Capital Gains on Investments		 0.24 -6.26 0.21 0.24 0.24 0.21 0.24 0.30 0.21 -0.13 -0.43
Other Non-Interest Income		 0.34 0.35 0.35 0.36 0.39 0.40 0.39 0.39 0.40 0.40 0.40
Provision for Credit Losses		 0.25 0.05 0.08 0.42 0.81 0.17 0.37 0.32 0.31 0.27 0.97
Total Non-Interest Expense		 13 13 14 14 14 14 15 15 15 15 15
Salaries and Employee Benefits		 6.26 6.44 7.13 6.93 7.17 7.61 7.69 7.70 7.77 7.68 8.11
Net Occupancy & Equipment Expense		 3.04 2.77 2.90 2.89 2.93 2.94 3.17 3.14 3.14 3.32 3.24
Marketing Expense		 0.46 1.34 0.73 0.41 0.49 1.24 1.04 0.60 0.41 1.25 1.25
Property & Liability Insurance Claims		 0.28 0.28 0.30 0.30 0.31 0.32 0.31 0.30 0.31 0.32 0.32
Other Operating Expenses		 2.74 1.98 2.63 3.09 2.93 2.29 2.34 2.97 3.01 2.35 2.28
Income Tax Expense		 0.59 -0.36 0.69 0.77 0.79 0.83 1.09 1.34 1.25 1.27 0.98
Basic Earnings per Share		 $0.94 $0.07 $0.88 $0.86 $0.87 $1.02 $1.04 $1.20 $1.27 $1.38 $1.29
Weighted Average Basic Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Diluted Earnings per Share		 $0.93 $0.08 $0.88 $0.86 $0.86 $1.00 $1.03 $1.20 $1.27 $1.36 $1.28
Weighted Average Diluted Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Weighted Average Basic & Diluted Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Cash Dividends to Common per Share		 $0.36 $0.38 $0.38 $0.38 $0.38 $0.40 $0.40 $0.40 $0.40 $0.43 $0.43

Annual Cash Flow Statements for Fidelity D&D Bancorp

This table details how cash moves in and out of Fidelity D&D Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -14 14 -10 1.66 -1.82 54 28 -68 83 -29 65
Net Cash From Operating Activities		 16 16 14 14 26 0.30 7.20 49 30 30 42
Net Cash From Continuing Operating Activities		 16 16 14 14 26 0.30 7.20 49 30 30 42
Net Income / (Loss) Continuing Operations		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
Consolidated Net Income / (Loss)		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
Provision For Loan Losses		 1.08 1.03 - 1.45 1.09 5.25 2.00 2.09 1.33 1.47 1.27
Depreciation Expense		 3.57 3.30 3.11 3.03 3.30 4.54 5.42 5.26 5.70 5.67 5.50
Non-Cash Adjustments to Reconcile Net Income		 2.55 5.46 5.75 -1.53 10 -22 -27 12 4.05 -1.08 6.87
Changes in Operating Assets and Liabilities, net		 1.43 -1.62 -3.70 -0.31 -0.37 -0.20 3.12 -0.33 0.41 2.72 0.53
Net Cash From Investing Activities		 -75 -58 -70 -117 -34 -164 -303 -115 -35 -114 -95
Net Cash From Continuing Investing Activities		 -75 -58 -82 -117 -34 -164 -303 -115 -35 -114 -95
Purchase of Property, Leasehold Improvements and Equipment		 -1.60 -1.48 -0.92 -3.57 -4.13 -1.39 -2.52 -5.51 -6.95 -4.66 -18
Purchase of Investment Securities		 -110 -81 -108 -149 -82 -415 -403 -160 -122 -136 -155
Sale of Property, Leasehold Improvements and Equipment		 0.05 0.00 0.01 0.01 0.24 0.19 1.72 1.10 0.84 0.02 0.62
Sale and/or Maturity of Investments		 37 24 27 35 52 199 105 49 93 27 77
Net Cash From Financing Activities		 45 56 46 105 6.39 218 324 -1.83 88 55 118
Net Cash From Continuing Financing Activities		 45 56 46 105 6.39 218 324 -1.83 88 55 118
Net Change in Deposits		 34 83 13 40 66 278 352 -2.92 -8.46 182 127
Issuance of Debt		 24 - 40 73 - 0.22 0.27 10 0.30 0.28 0.25
Repayment of Debt		 -10 -24 -4.50 -4.54 -55 -208 -22 -0.23 104 -118 -0.47
Payment of Dividends		 -2.84 -3.06 -2.95 -3.40 -4.04 -5.38 -6.61 -7.71 -6.75 -8.85 -9.40
Other Financing Activities, Net		 0.20 0.13 0.53 0.16 0.18 153 -0.01 0.23 -0.24 -0.08 -0.12
Cash Interest Paid		 2.49 2.37 3.06 4.69 7.44 5.82 3.85 6.11 29 43 46
Cash Income Taxes Paid		 0.40 0.80 2.70 0.60 1.95 3.25 2.65 3.05 0.04 0.07 0.08

Quarterly Cash Flow Statements for Fidelity D&D Bancorp

This table details how cash moves in and out of Fidelity D&D Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 41 1.48 -39 5.35 42 -37 128 -46 -23 5.90 6.94
Net Cash From Operating Activities		 6.31 8.32 5.33 8.69 9.07 6.46 12 13 8.42 9.68 7.57
Net Cash From Continuing Operating Activities		 6.31 8.32 5.33 8.69 9.07 6.46 12 13 8.42 9.68 7.57
Net Income / (Loss) Continuing Operations		 5.34 0.47 5.06 4.94 4.97 5.83 5.99 6.92 7.35 7.94 7.46
Consolidated Net Income / (Loss)		 5.34 0.47 5.06 4.94 4.97 5.83 5.99 6.92 7.35 7.94 7.46
Provision For Loan Losses		 0.25 0.05 0.08 0.42 0.81 0.17 0.37 0.32 0.31 0.27 0.97
Depreciation Expense		 1.70 1.45 1.37 1.37 1.51 1.41 1.38 1.42 1.40 1.30 1.41
Non-Cash Adjustments to Reconcile Net Income		 -0.84 5.35 1.40 -1.28 -0.84 -0.30 2.05 2.26 1.26 1.30 0.75
Changes in Operating Assets and Liabilities, net		 -0.15 1.00 -2.57 3.25 2.62 -0.65 1.89 1.66 -1.89 -1.13 -3.03
Net Cash From Investing Activities		 -11 -4.61 -8.09 -27 -64 -14 1.30 -34 -61 -1.66 -106
Net Cash From Continuing Investing Activities		 -11 -4.61 -8.09 -27 -64 -14 1.30 -34 -61 -1.66 -106
Purchase of Property, Leasehold Improvements and Equipment		 -2.00 -2.38 -1.30 -1.48 -1.29 -0.59 -0.17 -5.69 -6.23 -5.44 -4.31
Purchase of Investment Securities		 -18 -39 -13 -34 -70 -20 -24 -35 -85 -11 -113
Sale of Property, Leasehold Improvements and Equipment		 - 0.82 0.02 - - 0.00 0.58 0.00 0.04 - 0.00
Sale and/or Maturity of Investments		 8.81 36 6.13 7.94 6.96 6.40 25 6.97 30 15 11
Net Cash From Financing Activities		 46 -2.23 -36 24 97 -29 115 -25 29 -2.12 106
Net Cash From Continuing Financing Activities		 46 -2.23 -36 24 97 -29 115 -25 29 -2.12 106
Net Change in Deposits		 -0.23 6.67 58 -47 173 -1.69 117 -22 32 0.44 109
Issuance of Debt		 - - 0.28 - - - 0.25 - - - 0.24
Repayment of Debt		 48 -7.12 -92 73 -74 -25 -0.12 -0.11 -0.12 -0.12 -1.23
Payment of Dividends		 -1.66 -1.78 -2.11 -2.21 -2.21 -2.32 -2.33 -2.34 -2.34 -2.41 -2.51
Other Financing Activities, Net		 -0.12 - -0.08 - - - -0.09 - - -0.03 -0.13
Cash Interest Paid		 -12 29 11 10 11 43 11 12 12 12 12

Annual Balance Sheets for Fidelity D&D Bancorp

This table presents Fidelity D&D Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 729 793 864 981 1,010 1,700 2,419 2,378 2,503 2,585 2,748
Cash and Due from Banks		 12 13 14 16 15 19 27 3.54 29 26 25
Interest Bearing Deposits at Other Banks		 0.02 13 1.68 1.46 1.08 50 70 26 83 57 123
Trading Account Securities		 127 133 160 189 187 422 771 645 570 559 525
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 1,418 1,547 1,666 0.00 0.00
Premises and Equipment, Net		 17 17 17 19 22 28 31 32 35 37 50
Goodwill		 - - 0.21 0.21 0.21 7.05 20 20 20 20 20
Intangible Assets		 - - - - 0.00 1.73 1.94 1.54 1.18 0.88 0.61
Other Assets		 27 29 43 37 42 66 82 103 99 1,885 2,006
Total Liabilities & Shareholders' Equity		 729 793 864 981 1,010 1,700 2,419 2,378 2,503 2,585 2,748
Total Liabilities		 653 712 776 888 903 1,533 2,207 2,215 2,314 2,381 2,509
Non-Interest Bearing Deposits		 143 211 179 195 192 407 590 603 536 534 553
Interest Bearing Deposits		 478 492 552 575 644 1,102 1,580 1,564 1,622 1,807 1,915
Short-Term Debt		 28 4.22 19 76 38 - 0.00 13 117 0.00 0.02
Long-Term Debt		 - - 21 32 15 5.00 11 7.62 7.37 6.27 6.00
Other Long-Term Liabilities		 - - - 0.34 6.84 7.94 27 28 31 34 36
Total Equity & Noncontrolling Interests		 76 81 87 94 107 167 212 163 189 204 239
Total Preferred & Common Equity		 76 81 87 94 107 167 212 163 189 204 239
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 76 81 87 94 107 167 212 163 189 204 239
Common Stock		 27 27 28 30 31 78 114 116 118 119 121
Retained Earnings		 47 52 57 65 72 80 97 120 128 140 159
Treasury Stock		 - - - - - - 0.00 -1.26 0.00 0.00 0.00
Accumulated Other Comprehensive Income / (Loss)		 2.19 1.38 1.80 -1.10 3.60 8.95 0.18 -71 -56 -56 -41

Quarterly Balance Sheets for Fidelity D&D Bancorp

This table presents Fidelity D&D Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,477 2,469 2,501 2,616 2,711 2,699 2,737 2,859
Cash and Due from Banks		 28 34 26 36 34 33 29 31
Interest Bearing Deposits at Other Banks		 82 38 53 84 177 132 113 124
Trading Account Securities		 579 559 553 562 543 546 530 513
Loans and Leases, Net of Allowance		 1,626 1,678 1,709 1,774 1,795 0.00 0.00 0.00
Premises and Equipment, Net		 34 36 37 37 36 41 46 53
Goodwill		 20 20 20 20 20 20 20 20
Intangible Assets		 1.27 1.10 1.02 0.95 0.80 0.74 0.68 0.55
Other Assets		 106 102 103 102 105 1,925 1,998 2,118
Total Liabilities & Shareholders' Equity		 2,477 2,469 2,501 2,616 2,711 2,699 2,737 2,859
Total Liabilities		 2,311 2,277 2,305 2,409 2,500 2,481 2,508 2,615
Non-Interest Bearing Deposits		 550 538 528 550 556 558 539 575
Interest Bearing Deposits		 1,602 1,678 1,642 1,793 1,902 1,877 1,928 2,002
Short-Term Debt		 124 25 98 25 0.01 0.01 0.02 0.01
Long-Term Debt		 7.44 7.30 7.24 6.32 6.19 6.13 6.06 4.83
Other Long-Term Liabilities		 28 29 30 35 36 39 35 33
Total Equity & Noncontrolling Interests		 165 192 196 207 212 218 229 245
Total Preferred & Common Equity		 165 192 196 207 212 218 229 245
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 165 192 196 207 212 218 229 245
Common Stock		 117 118 119 119 120 120 121 121
Retained Earnings		 130 131 134 137 144 148 153 164
Treasury Stock		 -0.30 0.00 0.00 0.00 -0.09 -0.09 -0.09 -0.07
Accumulated Other Comprehensive Income / (Loss)		 -82 -58 -57 -48 -52 -51 -45 -40

Annual Metrics And Ratios for Fidelity D&D Bancorp

This table displays calculated financial ratios and metrics derived from Fidelity D&D Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 2,439,905.00 2,453,805.00 3,729,978.00 3,759,426.00 3,781,500.00 4,977,750.00 5,645,687.00 5,630,797.00 5,696,351.00 - 5,767,286.00
DEI Adjusted Shares Outstanding		 2,439,905.00 2,453,805.00 3,729,978.00 3,759,426.00 3,781,500.00 4,977,750.00 5,645,687.00 5,630,797.00 5,696,351.00 - 5,767,286.00
DEI Earnings Per Adjusted Shares Outstanding		 2.91 3.14 2.34 2.93 3.06 2.62 4.25 5.33 3.20 - 4.89
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.93% 6.85% 9.25% 9.53% 5.68% 40.43% 36.13% 10.98% -17.39% 10.11% 15.27%
EBITDA Growth		 7.14% 10.22% -5.29% 24.00% 6.43% 15.23% 68.65% 21.81% -36.25% 13.79% 30.80%
EBIT Growth		 4.73% 17.27% -5.16% 32.38% 5.84% 9.94% 83.26% 26.63% -42.89% 17.85% 38.84%
NOPAT Growth		 11.82% 8.31% 13.30% 26.27% 5.18% 12.60% 84.18% 25.05% -39.34% 14.19% 35.61%
Net Income Growth		 11.82% 8.31% 13.30% 26.27% 5.18% 12.60% 84.18% 25.05% -39.34% 14.19% 35.61%
EPS Growth		 -25.95% 7.73% 11.48% 24.46% 4.48% -6.93% 58.87% 18.08% -39.70% 12.85% 35.00%
Operating Cash Flow Growth		 99.10% 0.85% -12.43% -1.71% 88.91% -98.85% 2,332.09% 586.58% -39.93% -0.43% 43.29%
Free Cash Flow Firm Growth		 -203.66% 343.20% -222.36% -89.54% 184.26% -98.06% -2,666.99% 358.19% -262.84% 210.95% -105.18%
Invested Capital Growth		 21.31% -18.84% 49.77% 58.65% -20.81% 7.51% 29.52% -17.47% 71.03% -33.01% 16.48%
Revenue Q/Q Growth		 0.95% 2.00% 6.34% -1.40% 0.96% 13.57% 5.82% 0.21% -11.23% 11.38% 3.53%
EBITDA Q/Q Growth		 2.97% 1.33% 4.43% 0.29% 0.25% 18.99% 9.22% 0.61% -25.45% 28.28% 6.73%
EBIT Q/Q Growth		 3.03% 3.07% 5.82% 0.45% -0.53% 20.31% 12.54% -0.40% -30.17% 37.84% 8.34%
NOPAT Q/Q Growth		 2.64% 2.78% 3.54% 4.96% -1.14% 23.24% 12.22% -2.09% -26.83% 34.79% 8.07%
Net Income Q/Q Growth		 2.64% 2.78% 3.54% 4.96% -1.14% 23.24% 12.22% -2.09% -26.83% 34.79% 8.07%
EPS Q/Q Growth		 -31.45% 15.47% 30.90% 5.07% -1.30% 15.57% 6.67% -2.04% -27.00% 34.33% 8.00%
Operating Cash Flow Q/Q Growth		 0.43% 27.86% -18.55% 7.62% 3.30% -97.59% 17.53% 47.18% -2.72% -5.90% 8.20%
Free Cash Flow Firm Q/Q Growth		 -149.35% 1,116.85% -52.81% -121.90% 80.90% 108.74% 22.58% -30.39% 4.81% 68.77% -121.95%
Invested Capital Q/Q Growth		 26.92% -8.32% 3.40% 24.44% 10.77% 3.04% -0.05% 19.02% 5.72% -11.88% 4.06%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.26% 41.53% 36.00% 40.76% 41.05% 33.68% 41.73% 45.80% 35.34% 36.52% 41.44%
EBIT Margin		 28.76% 31.57% 27.40% 33.12% 33.17% 25.97% 34.96% 39.89% 27.58% 29.52% 35.55%
Profit (Net Income) Margin		 22.90% 23.21% 24.07% 27.75% 27.62% 22.15% 29.97% 33.76% 24.79% 25.71% 30.25%
Tax Burden Percent		 79.62% 73.53% 87.85% 83.79% 83.27% 85.29% 85.72% 84.64% 89.90% 87.11% 85.08%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.38% 26.47% 12.15% 16.21% 16.73% 14.71% 14.28% 15.36% 10.10% 12.89% 14.92%
Return on Invested Capital (ROIC)		 7.45% 8.12% 8.22% 6.70% 6.41% 7.87% 12.19% 14.79% 7.32% 7.94% 12.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.45% 8.12% 8.22% 6.70% 6.41% 7.87% 12.19% 14.79% 7.32% 7.94% 12.39%
Return on Net Nonoperating Assets (RNNOA)		 2.11% 1.68% 2.15% 5.47% 5.15% 1.66% 0.50% 1.23% 3.01% 2.63% 0.34%
Return on Equity (ROE)		 9.56% 9.80% 10.38% 12.17% 11.55% 9.53% 12.69% 16.02% 10.33% 10.57% 12.74%
Cash Return on Invested Capital (CROIC)		 -11.81% 28.93% -31.63% -38.65% 29.63% 0.63% -13.54% 33.93% -45.09% 47.48% -2.83%
Operating Return on Assets (OROA)		 1.27% 1.37% 1.20% 1.42% 1.40% 1.13% 1.36% 1.48% 0.83% 0.94% 1.24%
Return on Assets (ROA)		 1.01% 1.01% 1.05% 1.19% 1.16% 0.96% 1.17% 1.25% 0.75% 0.82% 1.06%
Return on Common Equity (ROCE)		 9.56% 9.80% 10.38% 12.17% 11.55% 9.53% 12.69% 16.02% 10.33% 10.57% 12.74%
Return on Equity Simple (ROE_SIMPLE)		 9.30% 9.54% 9.97% 11.76% 10.84% 7.82% 11.34% 18.42% 9.61% 10.19% 11.81%
Net Operating Profit after Tax (NOPAT)		 7.10 7.69 8.72 11 12 13 24 30 18 21 28
NOPAT Margin		 22.90% 23.21% 24.07% 27.75% 27.62% 22.15% 29.97% 33.76% 24.79% 25.71% 30.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.00% 52.32% 55.24% 51.89% 53.12% 47.58% 46.09% 45.68% 54.97% 53.63% 50.32%
Operating Expenses to Revenue		 67.77% 65.34% 68.59% 63.22% 64.24% 65.11% 62.54% 57.76% 70.62% 68.67% 63.09%
Earnings before Interest and Taxes (EBIT)		 8.92 10 9.92 13 14 15 28 35 20 24 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12 14 13 16 17 20 33 41 26 30 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.75 0.71 1.49 2.22 1.93 1.72 1.44 1.54 1.68 1.36 1.04
Price to Tangible Book Value (P/TBV)		 0.75 0.71 1.49 2.22 1.93 1.82 1.61 1.77 1.88 1.51 1.14
Price to Revenue (P/Rev)		 1.85 1.74 3.60 5.24 4.92 4.88 3.81 2.83 4.32 3.43 2.67
Price to Earnings (P/E)		 8.06 7.49 14.93 18.87 17.79 22.03 12.73 8.37 17.44 13.34 8.82
Dividend Yield		 0.00% 0.00% 0.69% 1.77% 1.95% 1.98% 2.27% 3.02% 2.62% 3.18% 3.78%
Earnings Yield		 12.40% 13.36% 6.70% 5.30% 5.62% 4.54% 7.86% 11.95% 5.73% 7.50% 11.34%
Enterprise Value to Invested Capital (EV/IC)		 0.70 0.42 1.21 1.48 1.52 1.30 0.99 1.32 1.05 0.95 0.44
Enterprise Value to Revenue (EV/Rev)		 2.36 1.09 4.25 7.52 5.80 3.79 2.74 2.73 4.49 2.48 1.14
Enterprise Value to EBITDA (EV/EBITDA)		 5.86 2.61 11.82 18.45 14.13 11.24 6.56 5.96 12.71 6.78 2.76
Enterprise Value to EBIT (EV/EBIT)		 8.20 3.44 15.53 22.70 17.49 14.58 7.83 6.85 16.29 8.39 3.22
Enterprise Value to NOPAT (EV/NOPAT)		 10.30 4.68 17.67 27.10 21.01 17.10 9.14 8.09 18.12 9.64 3.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.65 2.27 11.09 21.85 9.43 752.97 30.47 4.91 11.11 6.78 2.52
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.31 0.00 0.00 4.54 214.51 0.00 3.53 0.00 1.61 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.37 0.05 0.45 1.16 0.49 0.03 0.05 0.13 0.66 0.03 0.03
Long-Term Debt to Equity		 0.00 0.00 0.24 0.34 0.14 0.03 0.05 0.05 0.04 0.03 0.03
Financial Leverage		 0.28 0.21 0.26 0.82 0.80 0.21 0.04 0.08 0.41 0.33 0.03
Leverage Ratio		 9.46 9.70 9.86 10.20 9.94 9.91 10.88 12.80 13.85 12.93 12.04
Compound Leverage Factor		 9.46 9.70 9.86 10.20 9.94 9.91 10.88 12.80 13.85 12.93 12.04
Debt to Total Capital		 26.98% 4.98% 31.24% 53.60% 33.09% 2.91% 4.78% 11.20% 39.63% 2.98% 2.46%
Short-Term Debt to Total Capital		 26.98% 4.98% 14.56% 37.87% 23.70% 0.00% 0.00% 7.05% 37.28% 0.00% 0.01%
Long-Term Debt to Total Capital		 0.00% 0.00% 16.68% 15.72% 9.39% 2.91% 4.78% 4.15% 2.35% 2.98% 2.45%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.02% 95.02% 68.76% 46.40% 66.91% 97.09% 95.22% 88.80% 60.37% 97.02% 97.54%
Debt to EBITDA		 2.26 0.31 3.05 6.69 3.07 0.25 0.32 0.50 4.79 0.21 0.16
Net Debt to EBITDA		 1.28 -1.57 1.83 5.60 2.16 -3.25 -2.58 -0.21 0.48 -2.61 -3.68
Long-Term Debt to EBITDA		 0.00 0.00 1.63 1.96 0.87 0.25 0.32 0.19 0.28 0.21 0.16
Debt to NOPAT		 3.97 0.55 4.56 9.82 4.56 0.38 0.44 0.68 6.83 0.30 0.21
Net Debt to NOPAT		 2.24 -2.81 2.74 8.23 3.21 -4.94 -3.59 -0.28 0.68 -3.71 -5.04
Long-Term Debt to NOPAT		 0.00 0.00 2.43 2.88 1.30 0.38 0.44 0.25 0.40 0.30 0.21
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -11 27 -34 -64 54 1.04 -27 69 -112 124 -6.44
Operating Cash Flow to CapEx		 1,018.46% 1,075.19% 1,517.70% 383.00% 663.22% 24.61% 898.75% 1,118.51% 485.96% 636.72% 250.47%
Free Cash Flow to Firm to Interest Expense		 -4.45 11.62 -10.40 -13.04 7.09 0.20 -7.33 10.76 -3.53 2.76 -0.14
Operating Cash Flow to Interest Expense		 6.22 6.73 4.31 2.80 3.41 0.06 1.98 7.73 0.93 0.65 0.90
Operating Cash Flow Less CapEx to Interest Expense		 5.61 6.10 4.02 2.07 2.90 -0.17 1.76 7.03 0.74 0.55 0.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 1.97 1.96 2.15 2.21 2.04 2.37 2.74 2.82 2.17 2.24 2.15
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 105 85 127 202 160 172 222 184 314 210 245
Invested Capital Turnover		 0.33 0.35 0.34 0.24 0.23 0.36 0.41 0.44 0.30 0.31 0.41
Increase / (Decrease) in Invested Capital		 18 -20 42 75 -42 12 51 -39 130 -104 35
Enterprise Value (EV)		 73 36 154 298 243 223 219 243 330 200 107
Market Capitalization		 57 58 130 208 206 287 306 251 318 277 249
Book Value per Share		 $31.29 $32.86 $23.43 $24.89 $28.25 $33.48 $37.50 $28.94 $33.26 $35.56 $41.42
Tangible Book Value per Share		 $31.29 $32.86 $23.37 $24.83 $28.20 $31.72 $33.68 $25.18 $29.61 $31.98 $37.91
Total Capital		 105 85 127 202 160 172 222 184 314 210 245
Total Debt		 28 4.22 40 108 53 5.00 11 21 124 6.27 6.02
Total Long-Term Debt		 0.00 0.00 21 32 15 5.00 11 7.62 7.37 6.27 6.00
Net Debt		 16 -22 24 91 37 -64 -86 -8.53 12 -77 -142
Capital Expenditures (CapEx)		 1.54 1.48 0.92 3.56 3.89 1.20 0.80 4.42 6.11 4.64 17
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 28 4.22 40 108 53 5.00 11 21 124 6.27 6.02
Total Depreciation and Amortization (D&A)		 3.57 3.30 3.11 3.03 3.30 4.54 5.42 5.26 5.70 5.67 5.50
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.91 $3.14 $2.35 $2.93 $3.06 $2.84 $4.51 $5.32 $3.21 $3.63 $4.89
Adjusted Weighted Average Basic Shares Outstanding		 2.45M 2.47M 3.75M 3.78M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Adjusted Diluted Earnings per Share		 $2.90 $3.13 $2.33 $2.90 $3.03 $2.82 $4.48 $5.29 $3.19 $3.60 $4.86
Adjusted Weighted Average Diluted Shares Outstanding		 2.45M 2.47M 3.75M 3.78M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.45M 2.47M 3.75M 3.78M 3.80M 5.00M 5.66M 5.65M 5.73M 5.77M 5.81M
Normalized Net Operating Profit after Tax (NOPAT)		 7.10 7.69 8.72 11 12 15 27 30 18 21 28
Normalized NOPAT Margin		 22.90% 23.21% 24.07% 27.75% 28.50% 25.70% 33.21% 33.76% 24.79% 25.71% 30.25%
Pre Tax Income Margin		 28.76% 31.57% 27.40% 33.12% 33.17% 25.97% 34.96% 39.89% 27.58% 29.52% 35.55%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.53 4.44 3.08 2.70 1.84 2.88 7.70 5.54 0.64 0.53 0.70
NOPAT to Interest Expense		 2.81 3.26 2.70 2.26 1.53 2.45 6.60 4.69 0.57 0.46 0.60
EBIT Less CapEx to Interest Expense		 2.92 3.81 2.79 1.96 1.33 2.65 7.48 4.85 0.45 0.43 0.34
NOPAT Less CapEx to Interest Expense		 2.20 2.64 2.42 1.53 1.02 2.23 6.38 4.00 0.38 0.36 0.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 40.04% 39.79% 33.89% 30.87% 34.87% 41.26% 27.52% 25.68% 37.07% 42.56% 33.35%
Augmented Payout Ratio		 40.04% 39.79% 33.89% 30.87% 34.87% 41.26% 27.52% 29.89% 37.07% 42.56% 33.35%

Quarterly Metrics And Ratios for Fidelity D&D Bancorp

This table displays calculated financial ratios and metrics derived from Fidelity D&D Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 5,687,162.00 5,696,351.00 5,734,097.00 5,735,732.00 5,735,887.00 - 5,767,515.00 5,767,500.00 5,767,302.00 5,767,286.00 5,805,183.00
DEI Adjusted Shares Outstanding		 5,687,162.00 5,696,351.00 5,734,097.00 5,735,732.00 5,735,887.00 - 5,767,515.00 5,767,500.00 5,767,302.00 5,767,286.00 5,805,183.00
DEI Earnings Per Adjusted Shares Outstanding		 0.94 0.08 0.88 0.86 0.87 - 1.04 1.20 1.27 1.38 1.29
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -15.42% -41.76% -9.29% -1.42% 7.63% 63.78% 12.76% 18.02% 15.31% 14.99% 11.77%
EBITDA Growth		 -24.20% -85.04% -24.54% -3.51% -4.68% 417.70% 18.78% 36.77% 37.42% 30.21% 16.44%
EBIT Growth		 -33.13% -98.79% -30.31% -4.46% -2.87% 6,124.30% 23.14% 44.85% 49.17% 38.30% 19.16%
NOPAT Growth		 -30.55% -93.45% -28.17% -7.96% -6.99% 1,146.79% 18.47% 40.24% 47.90% 36.08% 24.52%
Net Income Growth		 -30.55% -93.45% -28.17% -7.96% -6.99% 1,146.79% 18.47% 40.24% 47.90% 36.08% 24.52%
EPS Growth		 -31.62% -93.65% -29.03% -8.51% -7.53% 1,150.00% 17.05% 39.53% 47.67% 36.00% 24.27%
Operating Cash Flow Growth		 -49.47% -9.07% -24.36% 8.42% 43.88% -22.28% 118.99% 44.73% -7.16% 49.69% -35.24%
Free Cash Flow Firm Growth		 -280.82% -382.42% 167.30% 59.40% 146.05% 184.27% -77.50% 341.40% -83.24% -124.39% -300.42%
Invested Capital Growth		 92.54% 71.03% -17.80% 15.19% -19.63% -33.01% -2.71% -25.57% -1.37% 16.48% 14.51%
Revenue Q/Q Growth		 -5.26% -31.68% 50.61% 1.11% 3.44% 3.97% 3.70% 5.83% 1.06% 3.69% 0.79%
EBITDA Q/Q Growth		 4.06% -79.56% 356.90% -0.69% 2.80% 10.99% 4.83% 14.35% 3.29% 5.16% -6.25%
EBIT Q/Q Growth		 -0.62% -98.20% 5,274.77% -0.87% 1.03% 15.63% 6.34% 16.61% 4.04% 7.20% -8.38%
NOPAT Q/Q Growth		 -0.41% -91.24% 980.56% -2.41% 0.65% 17.48% 2.67% 15.52% 6.14% 8.09% -6.05%
Net Income Q/Q Growth		 -0.41% -91.24% 980.56% -2.41% 0.65% 17.48% 2.67% 15.52% 6.14% 8.09% -6.05%
EPS Q/Q Growth		 -1.06% -91.40% 1,000.00% -2.27% 0.00% 16.28% 3.00% 16.50% 5.83% 7.09% -5.88%
Operating Cash Flow Q/Q Growth		 -21.34% 31.89% -35.87% 62.95% 4.38% -28.76% 80.71% 7.70% -33.04% 14.88% -21.82%
Free Cash Flow Firm Q/Q Growth		 -60.40% 5.44% 141.24% -164.90% 281.97% 73.03% -88.99% 596.32% -87.36% -351.79% 9.54%
Invested Capital Q/Q Growth		 13.59% 5.72% -28.65% 34.44% -20.75% -11.88% 3.63% 2.84% 5.03% 4.06% 1.88%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.23% 12.03% 36.50% 35.85% 35.63% 38.03% 38.45% 41.55% 42.46% 43.07% 40.06%
EBIT Margin		 31.27% 0.83% 29.47% 28.89% 28.22% 31.38% 32.18% 35.46% 36.51% 37.75% 34.31%
Profit (Net Income) Margin		 28.16% 3.61% 25.91% 25.01% 24.34% 27.50% 27.22% 29.72% 31.21% 32.54% 30.33%
Tax Burden Percent		 90.05% 437.38% 87.93% 86.56% 86.23% 87.61% 84.59% 83.81% 85.50% 86.20% 88.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 9.95% -337.38% 12.07% 13.44% 13.77% 12.39% 15.41% 16.19% 14.50% 13.80% 11.60%
Return on Invested Capital (ROIC)		 10.33% 1.07% 7.46% 6.33% 6.60% 8.49% 10.27% 9.84% 11.86% 13.33% 12.44%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.33% 1.07% 7.46% 6.33% 6.60% 8.49% 10.27% 9.84% 11.86% 13.33% 12.44%
Return on Net Nonoperating Assets (RNNOA)		 4.61% 0.44% 2.62% 3.20% 2.88% 2.82% 0.98% 2.65% 1.02% 0.37% 0.30%
Return on Equity (ROE)		 14.94% 1.51% 10.08% 9.53% 9.48% 11.30% 11.26% 12.49% 12.88% 13.70% 12.74%
Cash Return on Invested Capital (CROIC)		 -52.23% -45.09% 26.08% -8.50% 27.53% 47.48% 12.58% 38.36% 12.39% -2.83% -0.83%
Operating Return on Assets (OROA)		 1.05% 0.02% 0.86% 0.83% 0.80% 1.00% 1.04% 1.19% 1.23% 1.32% 1.18%
Return on Assets (ROA)		 0.95% 0.11% 0.75% 0.72% 0.69% 0.87% 0.88% 0.99% 1.05% 1.14% 1.04%
Return on Common Equity (ROCE)		 14.94% 1.51% 10.08% 9.53% 9.48% 11.30% 11.26% 12.49% 12.88% 13.70% 12.74%
Return on Equity Simple (ROE_SIMPLE)		 15.04% 0.00% 8.47% 8.07% 7.44% 0.00% 10.26% 10.88% 11.38% 0.00% 12.13%
Net Operating Profit after Tax (NOPAT)		 5.34 0.47 5.06 4.94 4.97 5.84 5.99 6.92 7.35 7.94 7.46
NOPAT Margin		 28.16% 3.61% 25.91% 25.01% 24.34% 27.50% 27.22% 29.72% 31.21% 32.54% 30.33%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.47% 81.40% 55.16% 51.83% 51.92% 55.56% 54.08% 49.14% 48.07% 50.23% 51.20%
Operating Expenses to Revenue		 67.41% 98.82% 70.15% 69.00% 67.81% 67.84% 66.14% 63.17% 62.17% 61.15% 61.76%
Earnings before Interest and Taxes (EBIT)		 5.93 0.11 5.75 5.70 5.76 6.66 7.08 8.26 8.59 9.21 8.44
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.63 1.56 7.12 7.07 7.27 8.07 8.46 9.68 9.99 11 9.85
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.51 1.68 1.40 1.24 1.32 1.36 1.09 1.22 1.10 1.04 1.03
Price to Tangible Book Value (P/TBV)		 1.73 1.88 1.57 1.39 1.46 1.51 1.21 1.34 1.21 1.14 1.12
Price to Revenue (P/Rev)		 3.02 4.32 3.76 3.41 3.76 3.43 2.77 3.05 2.81 2.67 2.62
Price to Earnings (P/E)		 10.05 17.44 16.57 15.38 17.72 13.34 10.64 11.19 9.69 8.82 8.47
Dividend Yield		 3.27% 2.62% 3.16% 3.54% 3.19% 3.18% 3.89% 3.43% 3.65% 3.78% 3.84%
Earnings Yield		 9.95% 5.73% 6.03% 6.50% 5.64% 7.50% 9.40% 8.94% 10.32% 11.34% 11.81%
Enterprise Value to Invested Capital (EV/IC)		 0.91 1.05 1.02 0.90 0.77 0.95 0.12 0.47 0.50 0.44 0.41
Enterprise Value to Revenue (EV/Rev)		 3.28 4.49 3.20 3.80 2.54 2.48 0.31 1.22 1.30 1.14 1.06
Enterprise Value to EBITDA (EV/EBITDA)		 7.79 12.71 9.66 11.56 8.01 6.78 0.85 3.16 3.22 2.76 2.53
Enterprise Value to EBIT (EV/EBIT)		 9.35 16.29 12.87 15.46 10.65 8.39 1.04 3.82 3.81 3.22 2.93
Enterprise Value to NOPAT (EV/NOPAT)		 10.90 18.12 14.08 17.11 11.96 9.64 1.20 4.47 4.47 3.78 3.41
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.88 11.11 8.17 9.43 5.87 6.78 0.73 2.66 2.98 2.52 2.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.53 0.00 2.50 1.61 0.94 1.05 3.98 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.79 0.66 0.17 0.54 0.15 0.03 0.03 0.03 0.03 0.03 0.02
Long-Term Debt to Equity		 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.02
Financial Leverage		 0.45 0.41 0.35 0.51 0.44 0.33 0.10 0.27 0.09 0.03 0.02
Leverage Ratio		 15.75 13.85 13.37 13.23 13.66 12.93 12.84 12.57 12.26 12.04 12.21
Compound Leverage Factor		 15.75 13.85 13.37 13.23 13.66 12.93 12.84 12.57 12.26 12.04 12.21
Debt to Total Capital		 44.27% 39.63% 14.42% 35.00% 13.13% 2.98% 2.85% 2.74% 2.58% 2.46% 1.94%
Short-Term Debt to Total Capital		 41.77% 37.28% 11.16% 32.59% 10.48% 0.00% 0.00% 0.00% 0.01% 0.01% 0.00%
Long-Term Debt to Total Capital		 2.51% 2.35% 3.26% 2.40% 2.65% 2.98% 2.84% 2.74% 2.57% 2.45% 1.93%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.73% 60.37% 85.58% 65.00% 86.87% 97.02% 97.15% 97.26% 97.42% 97.54% 98.06%
Debt to EBITDA		 3.77 4.79 1.37 4.51 1.36 0.21 0.20 0.18 0.17 0.16 0.12
Net Debt to EBITDA		 0.60 0.48 -1.71 1.17 -3.86 -2.61 -6.64 -4.76 -3.76 -3.68 -3.75
Long-Term Debt to EBITDA		 0.21 0.28 0.31 0.31 0.27 0.21 0.20 0.18 0.17 0.16 0.12
Debt to NOPAT		 5.28 6.83 1.99 6.67 2.03 0.30 0.29 0.26 0.23 0.21 0.16
Net Debt to NOPAT		 0.84 0.68 -2.49 1.73 -5.76 -3.71 -9.43 -6.72 -5.22 -5.04 -5.06
Long-Term Debt to NOPAT		 0.30 0.40 0.45 0.46 0.41 0.30 0.28 0.26 0.23 0.21 0.16
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -137 -130 54 -35 63 109 12 84 11 -27 -24
Operating Cash Flow to CapEx		 315.77% 534.51% 415.42% 587.69% 701.16% 1,103.07% 0.00% 221.13% 136.18% 177.77% 175.36%
Free Cash Flow to Firm to Interest Expense		 -15.19 -13.07 5.01 -3.18 5.33 9.37 1.07 7.09 0.87 -2.26 -2.19
Operating Cash Flow to Interest Expense		 0.70 0.84 0.50 0.80 0.76 0.55 1.04 1.06 0.69 0.82 0.68
Operating Cash Flow Less CapEx to Interest Expense		 0.48 0.68 0.38 0.66 0.66 0.50 1.07 0.58 0.18 0.36 0.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.03
Fixed Asset Turnover		 2.51 2.17 2.09 2.06 2.05 2.24 2.32 2.23 2.16 2.15 2.14
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 297 314 224 301 239 210 218 224 235 245 249
Invested Capital Turnover		 0.37 0.30 0.29 0.25 0.27 0.31 0.38 0.33 0.38 0.41 0.41
Increase / (Decrease) in Invested Capital		 143 130 -49 40 -58 -104 -6.06 -77 -3.26 35 32
Enterprise Value (EV)		 271 330 228 270 184 200 26 106 117 107 101
Market Capitalization		 250 318 269 243 273 277 231 265 253 249 251
Book Value per Share		 $29.09 $33.26 $33.42 $34.12 $36.13 $35.56 $36.70 $37.78 $39.75 $41.42 $42.14
Tangible Book Value per Share		 $25.41 $29.61 $29.81 $30.52 $32.55 $31.98 $33.16 $34.25 $36.23 $37.91 $38.67
Total Capital		 297 314 224 301 239 210 218 224 235 245 249
Total Debt		 131 124 32 105 31 6.27 6.20 6.14 6.08 6.02 4.84
Total Long-Term Debt		 7.44 7.37 7.30 7.24 6.32 6.27 6.19 6.13 6.06 6.00 4.83
Net Debt		 21 12 -40 27 -89 -77 -205 -159 -136 -142 -150
Capital Expenditures (CapEx)		 2.00 1.56 1.28 1.48 1.29 0.59 -0.41 5.69 6.19 5.44 4.31
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 131 124 32 105 31 6.27 6.20 6.14 6.08 6.02 4.84
Total Depreciation and Amortization (D&A)		 1.70 1.45 1.37 1.37 1.51 1.41 1.38 1.42 1.40 1.30 1.41
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.94 $0.07 $0.88 $0.86 $0.87 $1.02 $1.04 $1.20 $1.27 $1.38 $1.29
Adjusted Weighted Average Basic Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Adjusted Diluted Earnings per Share		 $0.93 $0.08 $0.88 $0.86 $0.86 $1.00 $1.03 $1.20 $1.27 $1.36 $1.28
Adjusted Weighted Average Diluted Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.70M 5.73M 5.74M 5.74M 5.74M 5.77M 5.77M 5.77M 5.77M 5.81M 5.81M
Normalized Net Operating Profit after Tax (NOPAT)		 5.34 0.07 5.06 4.94 4.97 5.84 5.99 6.92 7.35 7.94 7.46
Normalized NOPAT Margin		 28.16% 0.58% 25.91% 25.01% 24.34% 27.50% 27.22% 29.72% 31.21% 32.54% 30.33%
Pre Tax Income Margin		 31.27% 0.83% 29.47% 28.89% 28.22% 31.38% 32.18% 35.46% 36.51% 37.75% 34.31%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.66 0.01 0.54 0.52 0.49 0.57 0.63 0.70 0.70 0.78 0.76
NOPAT to Interest Expense		 0.59 0.05 0.47 0.45 0.42 0.50 0.53 0.58 0.60 0.67 0.67
EBIT Less CapEx to Interest Expense		 0.44 -0.15 0.42 0.39 0.38 0.52 0.66 0.22 0.20 0.32 0.37
NOPAT Less CapEx to Interest Expense		 0.37 -0.11 0.35 0.32 0.31 0.45 0.57 0.10 0.09 0.21 0.28
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 28.19% 37.07% 44.34% 49.11% 53.87% 42.56% 41.70% 38.75% 35.71% 33.35% 32.33%
Augmented Payout Ratio		 28.19% 37.07% 44.34% 49.11% 53.87% 42.56% 41.70% 38.75% 35.71% 33.35% 32.33%

Financials Breakdown Chart

Key Financial Trends

Fidelity D & D Bancorp (NASDAQ: FDBC) entered 2026 with a generally solid earnings profile, but the latest quarter also shows a bank that is increasingly reliant on deposits funding a very large securities-heavy balance sheet. For retail investors, the key takeaway is that profitability is holding up, but balance-sheet composition and deposit trends deserve close attention.

What stood out in Q1 2026: net income was $7.5 million, up slightly from $7.3 million in Q3 2025 and down modestly from $7.9 million in Q4 2025. EPS was $1.29, still healthy. Revenue came in at $24.6 million, helped by $19.4 million in net interest income and $5.2 million in non-interest income.

The company remains profitable and cash-generative, but it is not a traditional loan-growth story right now. The balance sheet shows $2.86 billion in assets, with a large portion in trading account securities and other assets, while reported loans and leases, net were shown at $0 in the provided balance sheet data. That makes the asset mix look unusual and more dependent on securities performance, funding costs, and liquidity management.

Cash flow was strong in Q1 2026, with $7.6 million from operating activities. However, investing outflows were heavy at ($106.1 million), driven by investment purchases and capital spending. Financing cash flow was positive at $105.5 million, largely from a $109.1 million increase in deposits. Net change in cash was still positive at $6.9 million.

Over the last four years, FDBC has shown a pattern of:

  • Consistent quarterly profitability, with net income generally in the $5 million to $8 million range over the periods provided.
  • Stable earnings per share, with quarterly EPS trending around $0.86 to $1.38 depending on the quarter.
  • Strong operating cash flow, which was positive in every quarter shown.
  • Regular dividend payments, with cash dividends per share consistently around $0.36 to $0.43.
  • Very large securities holdings, which support interest income but also increase sensitivity to rate and market movements.
  • Deposits that can swing quarter to quarter, creating some funding volatility.
  • Equity growth that has been modest, with retained earnings gradually rising over time.
  • Rising non-interest expense in several quarters, especially salaries, occupancy, and operating costs.
  • AOCI pressure that has remained materially negative, reflecting balance-sheet valuation strain.
  • Heavy investment purchases that can absorb cash and limit near-term flexibility.

Trends worth watching: net interest income improved from the mid-$17 million range in Q2 2025 to $19.4 million in Q1 2026, which is encouraging. The provision for credit losses also stayed relatively modest at $965,000, suggesting credit quality is not currently a major problem. On the other hand, interest expense remains elevated, and the company’s balance sheet is still carrying a large negative AOCI balance of $(40.3 million).

Bottom line: FDBC looks like a steady but not especially fast-growing community bank with decent earnings, dependable dividends, and good operating cash generation. The main question for investors is whether management can keep funding costs controlled and maintain asset quality while managing a balance sheet that is heavily tilted toward securities rather than loans.

07/16/26 07:19 PM ETAI Generated. May Contain Errors.

Fidelity D&D Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Fidelity D&D Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Fidelity D&D Bancorp's net income appears to be on an upward trend, with a most recent value of $28.20 million in 2025, rising from $7.10 million in 2015. The previous period was $20.79 million in 2024. See where experts think Fidelity D&D Bancorp is headed by visiting Fidelity D&D Bancorp's forecast page.

Over the last 10 years, Fidelity D&D Bancorp's total revenue changed from $31.02 million in 2015 to $93.23 million in 2025, a change of 200.6%.

Fidelity D&D Bancorp's total liabilities were at $2.51 billion at the end of 2025, a 5.4% increase from 2024, and a 284.3% increase since 2015.

In the past 10 years, Fidelity D&D Bancorp's cash and equivalents has ranged from $3.54 million in 2022 to $28.95 million in 2023, and is currently $25.47 million as of their latest financial filing in 2025.

Over the last 10 years, Fidelity D&D Bancorp's book value per share changed from 31.29 in 2015 to 41.42 in 2025, a change of 32.4%.


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Financial statements for NASDAQ:FDBC last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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