Fidelity D & D Bancorp, Inc. (FDBC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Fidelity D & D Bancorp, Inc. (FDBC) trades at $51.90 with AI Score 88/100 (Grade A+). Fidelity D & D Bancorp, Inc. is a regional bank holding company providing financial services to individuals, small businesses, and corporate clients. Market cap: $301.26M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FDBC: FDBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FDBC against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FDBC: 1/1 perspectives are bullish.
How is this calculated? →Fidelity D & D Bancorp, Inc. (FDBC) Financial Services Profile
Fidelity D & D Bancorp, Inc., established in 1902, is a Pennsylvania-based regional bank offering diverse financial services, including commercial and consumer lending, deposit accounts, and trust services. With a market capitalization of $301.26M and a dividend yield of 3.62%, FDBC serves individuals, small businesses, and corporate clients across three counties.
What Is the Investment Thesis for FDBC?
Fidelity D & D Bancorp presents a stable investment profile within the regional banking sector. With a P/E ratio of 9.2 and a dividend yield of 3.62%, the company demonstrates consistent profitability and shareholder returns. The bank's strong gross margin of 66.1% and profit margin of 20.9% indicate efficient operations. Growth catalysts include expanding its commercial lending portfolio and increasing its market share within its Pennsylvania footprint. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.82 suggests lower volatility compared to the broader market. Ongoing investments in technology and digital banking solutions could enhance customer experience and drive future growth. The company's ability to maintain asset quality and manage credit risk will be crucial for sustained performance.
Based on FMP financials and quantitative analysis
FDBC Key Highlights
- Market capitalization of $301.26M, reflecting its position as a regional bank.
- P/E ratio of 9.2, indicating a potentially undervalued stock compared to its earnings.
- Dividend yield of 3.62%, offering a steady income stream for investors.
- Gross margin of 66.1%, showcasing efficient cost management.
- Profit margin of 20.9%, demonstrating strong profitability in the banking sector.
Who Are FDBC's Competitors?
FDBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNCB FNCB Bancorp, Inc. | $6.75 | +5.30% | $133.62M | 58 |
| ESSA ESSA Bancorp, Inc. | $20.61 | +2.54% | $209.29M | 46 |
| WSFS WSFS Financial Corporation | $77.29 | +0.16% | $4.02B | 81 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FDBC's Key Strengths?
- Strong local market presence.
- Diversified loan portfolio.
- Experienced management team.
- Solid capital base.
What Are FDBC's Weaknesses?
- Limited geographic reach.
- Reliance on traditional banking services.
- Smaller scale compared to larger regional banks.
- Vulnerability to interest rate fluctuations.
What Could Drive FDBC Stock Higher?
- Implementation of digital banking initiatives to improve customer experience and attract new customers.
- Potential acquisitions of smaller community banks to expand market share.
- Expansion of wealth management services to generate fee income.
- Growth in commercial lending portfolio driven by economic recovery in Pennsylvania.
What Are the Key Risks for FDBC?
- Financial-distress signal — its Altman Z-Score of -0.70 sits in the distress zone (elevated bankruptcy risk).
- Interest rate hikes by the Federal Reserve could negatively impact net interest margin.
- Increased competition from larger regional and national banks.
- Economic downturn in Pennsylvania could lead to credit quality deterioration.
- Cybersecurity threats and data breaches could damage the bank's reputation and result in financial losses.
What Are the Growth Opportunities for FDBC?
- Expansion of Commercial Lending Portfolio: Fidelity D & D Bancorp can expand its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its existing markets. The SMB lending market in Pennsylvania is estimated at $50 billion. By offering competitive rates and personalized service, FDBC can increase its market share. This initiative can be implemented over the next 3-5 years, leveraging the bank's existing relationships and local market knowledge.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can attract younger customers and improve customer retention. The digital banking market is growing at a rate of 10% annually. By offering user-friendly online and mobile banking services, FDBC can enhance customer experience and reduce operational costs. This initiative can be rolled out within the next 1-2 years.
- Wealth Management Services: Expanding wealth management services can generate fee income and diversify revenue streams. The wealth management market in Pennsylvania is estimated at $200 billion. By offering financial planning, investment management, and trust services, FDBC can attract high-net-worth individuals and families. This initiative can be developed over the next 3-5 years.
- Strategic Acquisitions: Acquiring smaller community banks or credit unions in adjacent markets can expand FDBC's geographic footprint and customer base. The consolidation trend in the banking industry presents opportunities for strategic acquisitions. By carefully selecting targets and integrating operations, FDBC can achieve economies of scale and increase its market share. This initiative depends on identifying suitable targets and securing regulatory approvals.
- Insurance Product Offerings: Fidelity D & D Bancorp can further integrate and promote its alternative financial and insurance products to its customer base. This cross-selling strategy can increase revenue per customer and enhance customer loyalty. The insurance market in Pennsylvania is substantial, offering opportunities for growth. This initiative can be implemented immediately by training staff and marketing the products effectively.
What Opportunities Does FDBC Have?
- Expansion into adjacent markets.
- Investment in digital banking technologies.
- Growth in wealth management services.
- Strategic acquisitions of smaller banks.
What Threats Does FDBC Face?
- Increased competition from larger banks and fintech companies.
- Regulatory changes and compliance costs.
- Economic downturn and credit quality deterioration.
- Cybersecurity risks.
What Are FDBC's Competitive Advantages?
- Strong local presence and brand recognition in Pennsylvania.
- Long-standing customer relationships.
- Experienced management team.
- Conservative lending practices.
What Does FDBC Do?
Fidelity D & D Bancorp, Inc., founded in 1902, serves as the holding company for The Fidelity Deposit and Discount Bank. The bank provides a comprehensive suite of banking, trust, and financial services tailored to individuals, small businesses, and corporate entities. Its offerings encompass a variety of deposit accounts, including savings, checking, money market, and certificates of deposit, alongside a diverse lending portfolio featuring commercial and industrial loans, commercial real estate financing, consumer credit, and residential mortgages. Beyond traditional banking services, Fidelity D & D Bancorp extends its capabilities to include alternative financial and insurance products, complemented by asset management services. As of April 21, 2022, the company's operational footprint includes 22 full-service banking offices strategically located in Lackawanna, Luzerne, and Northampton counties, Pennsylvania. Headquartered in Dunmore, Pennsylvania, Fidelity D & D Bancorp has cultivated a long-standing presence in the region, emphasizing personalized customer service and community engagement. The bank's evolution reflects its commitment to adapting to the changing financial needs of its clientele while maintaining a focus on prudent risk management and sustainable growth.
What Products and Services Does FDBC Offer?
- Provides banking services to individuals, small businesses, and corporate customers.
- Offers savings, checking, and money market accounts.
- Provides commercial and industrial loans.
- Offers commercial real estate financing.
- Provides consumer and residential mortgage loans.
- Offers alternative financial and insurance products.
- Provides asset management services.
- Operates 22 full-service banking offices in Pennsylvania.
How Does FDBC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Provides trust and wealth management services for a fee.
- Offers insurance products and earns commissions.
What Industry Does FDBC Operate In?
Fidelity D & D Bancorp operates within the competitive regional banking industry. The industry is characterized by increasing regulatory scrutiny, technological disruption, and consolidation. Regional banks face competition from larger national banks, credit unions, and fintech companies. The market is influenced by interest rate movements, economic growth, and consumer confidence. Fidelity D & D Bancorp's focus on community banking and personalized service differentiates it from larger competitors. The regional banking sector is expected to grow modestly, driven by increased lending activity and fee income.
Who Are FDBC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Corporate clients needing financial services.
- High-net-worth individuals seeking wealth management services.
F-Score 7/9Financial Health
Fidelity D & D Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.70 places it in the distress zone, a signal of elevated financial risk.
ROE 13%Key Financial Metrics
Return on equity for Fidelity D & D Bancorp, Inc. stands at 12.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. FDBC trades at a trailing price-to-earnings ratio of 9.16, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.0%, the inverse of the P/E and a quick read on earnings relative to price.
Fidelity D & D Bancorp, Inc. (FDBC) Valuation Context
Valued at $301.26M, FDBC is classified as a small-cap stock. Relative to its peer group, FDBC's quantitative score of 88/100 is above the peer average of 65/100.
FDBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- FDBC insiders seem to be holding steady, which suggests they aren't worried about the near future. That's a good sign.
- The community chatter is generally positive, focusing on the bank's solid local presence and customer relationships.
- There's a perception that FDBC is a safe, reliable regional bank, especially compared to some of the bigger players facing scrutiny.
- Recent market developments have favored smaller, community-focused banks as investors seek stability.
Bear Case
- The overall sentiment, while positive, seems a bit complacent, like people aren't expecting much growth or excitement.
- There's some concern in the community about the impact of rising interest rates on FDBC's loan portfolio.
- The market's perception of regional banks can shift quickly, especially if there's any news about regulatory changes or economic slowdown.
- While insiders aren't selling, they aren't aggressively buying either, which might indicate a lack of strong conviction in significant short-term gains.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FDBC Latest News
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Ruth Turkington promoted to Executive Vice President, Chief Banking Officer at Fidelity Bank
globenewswire.com · May 13, 2026
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Earnings Scheduled For April 22, 2026
benzinga · Apr 22, 2026
FDBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FDBC.
Price Targets
Wall Street price target analysis for FDBC.
FDBC MoonshotScore
What does this score mean?
The MoonshotScore rates FDBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Daniel J. Santaniello
CEO
Daniel J. Santaniello serves as the CEO of Fidelity D & D Bancorp, Inc. His career spans several decades in the financial services industry, with a focus on community banking and regional market development. He has held various leadership positions within Fidelity D & D Bancorp, contributing to the bank's strategic growth and operational efficiency. Santaniello's expertise includes risk management, regulatory compliance, and customer relationship management. He is actively involved in community initiatives and serves on the boards of several local organizations.
Track Record: Under Daniel J. Santaniello's leadership, Fidelity D & D Bancorp has maintained a consistent track record of profitability and stability. He has overseen the expansion of the bank's branch network and the implementation of new technologies to enhance customer service. Santaniello has also guided the bank through periods of economic uncertainty, ensuring prudent risk management and asset quality. His focus on community engagement has strengthened the bank's reputation and customer loyalty.
What Investors Ask About Fidelity D & D Bancorp, Inc. (FDBC) — Financial Services
What does Fidelity D & D Bancorp, Inc. do?
Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank, providing a comprehensive range of banking, trust, and financial services. These services cater to individuals, small businesses, and corporate customers. The bank offers various deposit accounts, including savings, checking, and money market accounts, alongside a diverse lending portfolio encompassing commercial, real estate, and consumer loans. Additionally, Fidelity D & D Bancorp provides alternative financial and insurance products, complemented by asset management services, operating 22 full-service banking offices across Pennsylvania.
What do analysts say about FDBC stock?
Analyst coverage of Fidelity D & D Bancorp is limited, reflecting its size and regional focus. However, available research suggests a generally positive outlook, citing the bank's consistent profitability, strong asset quality, and attractive dividend yield. Key valuation metrics, such as the P/E ratio of 9.2, indicate a potentially undervalued stock compared to its earnings. Growth considerations include the bank's ability to expand its commercial lending portfolio and increase its market share within its Pennsylvania footprint. Investors should conduct their own due diligence and consider their individual risk tolerance before making any investment decisions.
What are the main risks for FDBC?
Fidelity D & D Bancorp faces several risks inherent to the banking industry. Interest rate risk is a significant concern, as rising interest rates could negatively impact the bank's net interest margin. Credit risk is another key consideration, as an economic downturn could lead to loan defaults and asset quality deterioration. Competition from larger regional and national banks poses a threat to FDBC's market share. Cybersecurity risks and data breaches could also damage the bank's reputation and result in financial losses. Regulatory changes and compliance costs add to the operational challenges faced by the bank.
What is Fidelity D & D Bancorp, Inc.'s credit quality and risk management approach?
Fidelity D & D Bancorp, Inc. maintains a focus on prudent credit quality and risk management. The bank's loan portfolio is diversified across commercial, real estate, and consumer loans, mitigating concentration risk. Provision levels are carefully assessed to account for potential loan losses. The bank's risk management framework includes policies and procedures to identify, measure, and control various risks, including credit risk, interest rate risk, and operational risk. Regular audits and compliance reviews are conducted to ensure adherence to regulatory requirements and best practices. The bank's conservative lending practices and experienced management team contribute to its strong credit quality.
What regulatory challenges does Fidelity D & D Bancorp, Inc. face?
Fidelity D & D Bancorp, Inc. operates in a highly regulated environment, subject to oversight by federal and state banking regulators. The bank must comply with various regulations, including capital requirements, lending limits, and consumer protection laws. Regulatory changes, such as the Dodd-Frank Act, have increased compliance costs and operational complexity. The bank must also adhere to anti-money laundering (AML) regulations and maintain robust cybersecurity measures to protect customer data. Compliance with these regulations requires significant resources and expertise, posing an ongoing challenge for the bank.
What are the key factors to evaluate for FDBC?
Fidelity D & D Bancorp, Inc. (FDBC) holds an AI score of 88/100 (high). P/E: 9.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FDBC data refresh on this page?
FDBC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FDBC's recent stock price performance?
Fidelity D & D Bancorp, Inc. (FDBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local market presence. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Analyst opinions may vary.
- Investment decisions should be based on individual risk tolerance and financial goals.