Fidelity Federal Bancorp (FDLB)
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 Federal Bancorp (FDLB) trades at $95.00 with AI Score 46/100 (Grade C). Fidelity Federal Bancorp operates as a bank holding company for United Fidelity Bank, Fsb, providing a range of personal and business banking services primarily in Evansville, Indiana. Market cap: $92.53M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for FDLB: FDLB 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 FDLB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FDLB: the 1 perspectives are evenly split.
How is this calculated? →Fidelity Federal Bancorp (FDLB) Financial Services Profile
Fidelity Federal Bancorp, a subsidiary of Pedcor Financial Bancorp, operates United Fidelity Bank, Fsb, delivering comprehensive personal and business banking services. Focused on community-oriented financial solutions in Evansville, Indiana, the institution emphasizes relationship banking while navigating the competitive regional banking landscape with a market capitalization of $92.53M.
What Is the Investment Thesis for FDLB?
Fidelity Federal Bancorp (FDLB) operates as a community-focused regional bank holding company, United Fidelity Bank, Fsb, primarily serving the Evansville, Indiana market. With a market capitalization of $92.53M and a Beta of 0.06, the company exhibits characteristics of a smaller, less volatile financial institution. The investment thesis centers on its stable, relationship-driven banking model, which fosters customer loyalty and a consistent deposit base. Key value drivers include its focus on traditional banking services, such as deposit accounts and commercial lending, which provide a foundation for net interest income. Potential growth catalysts include sustained economic development in its primary service area, leading to increased demand for both consumer and commercial loans. Furthermore, strategic enhancements to its digital banking capabilities could expand its reach and improve operational efficiency. However, the company's listing on the OTC Other tier introduces higher liquidity and disclosure risks compared to major exchanges. Investors should monitor the bank's ability to manage interest rate fluctuations, maintain asset quality, and navigate a competitive banking landscape while adhering to evolving regulatory requirements.
Based on FMP financials and quantitative analysis
FDLB Key Highlights
- Fidelity Federal Bancorp maintains a market capitalization of $92.53M, reflecting its position as a smaller, regional financial institution.
- The company exhibits a Beta of 0.06, indicating significantly lower volatility compared to the broader market, consistent with its community banking focus.
- Operating with 51 employees, Fidelity Federal Bancorp emphasizes a localized, relationship-driven service model for personal and business banking.
- As a subsidiary of Pedcor Financial Bancorp, it benefits from a larger organizational structure while maintaining its regional operational autonomy.
- Its primary business revolves around traditional banking services, including checking, savings, and various lending products for individuals and local businesses.
Who Are FDLB's Competitors?
FDLB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 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 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FDLB's Key Strengths?
- Strong community bank focus fostering customer loyalty and local relationships.
- Comprehensive range of personal and business banking services.
- Subsidiary of Pedcor Financial Bancorp, potentially offering broader support.
- Low Beta (0.06) suggests lower stock price volatility.
What Are FDLB's Weaknesses?
- Limited geographic reach, primarily focused on Evansville, Indiana.
- Smaller scale (51 employees, $92.53M market cap) compared to larger regional banks.
- OTC Other tier listing implies higher risk and lower liquidity.
- Potential for limited resources for extensive digital transformation compared to larger competitors.
What Could Drive FDLB Stock Higher?
- **Local Economic Growth**: Continued economic expansion in Evansville, Indiana, could drive increased demand for both commercial and consumer lending products, boosting net interest income.
- **Digital Banking Adoption**: Successful implementation and increased customer adoption of enhanced online and mobile banking platforms could improve operational efficiency and attract new, tech-savvy customers.
- **Deposit Growth Initiatives**: Strategic efforts to attract and retain low-cost deposits through competitive product offerings and strong customer relationships could improve the bank's funding costs and net interest margin.
- **Expansion of Commercial Loan Portfolio**: Targeted efforts to grow the commercial loan book by catering to local small and medium-sized businesses could lead to higher interest income and asset growth.
What Are the Key Risks for FDLB?
- **Interest Rate Sensitivity**: As a regional bank, Fidelity Federal Bancorp's profitability is highly sensitive to changes in interest rates, which can impact its net interest margin.
- **Competitive Landscape**: Intense competition from larger national banks, other regional banks, and credit unions in its operating market could pressure loan growth and deposit retention.
- **Regulatory Compliance**: The banking industry is heavily regulated, and ongoing changes in compliance requirements could increase operational costs and complexity.
- **Credit Risk**: Economic downturns or specific industry challenges in its local market could lead to increased loan defaults and higher provisions for loan losses.
- **OTC Market Risks**: The OTC Other tier listing implies higher liquidity risk, limited transparency, and potentially greater price volatility for investors.
What Are the Growth Opportunities for FDLB?
- **Expanding Commercial Lending Portfolio**: Fidelity Federal Bancorp has an opportunity to significantly grow its commercial lending portfolio by deepening relationships with local small and medium-sized businesses (SMBs) in the Evansville, Indiana area. By offering tailored financial solutions, such as commercial real estate loans, equipment financing, and working capital lines of credit, the bank can capitalize on local economic development. This strategy leverages its community bank status, allowing for more personalized underwriting and service compared to larger competitors. The local business lending market provides a consistent demand, and a targeted approach can lead to increased interest income and stronger community ties. This is an ongoing opportunity, with success measured by year-over-year growth in commercial loan originations and portfolio size.
- **Enhancing Digital Banking Capabilities**: Investing in and expanding its digital banking platform represents a critical growth driver for Fidelity Federal Bancorp. Modernizing mobile banking applications, streamlining online account opening processes, and integrating advanced digital payment solutions can attract a younger demographic and improve convenience for existing customers. This enhancement is crucial for remaining competitive against fintech disruptors and larger banks that offer extensive digital services. A robust digital presence can reduce operational costs, increase customer engagement, and potentially expand the bank's reach beyond its immediate physical branches, making banking more accessible and efficient. This is an ongoing initiative, with continuous updates and feature additions expected over the next 3-5 years.
- **Strategic Deposit Base Diversification**: Growing and diversifying its deposit base is a fundamental opportunity for Fidelity Federal Bancorp. By offering competitive rates on savings accounts, money market accounts, and certificates of deposit, alongside attractive treasury management services for businesses, the bank can attract a broader range of low-cost deposits. A strong and diversified deposit base provides a stable funding source for lending activities, reducing reliance on more expensive wholesale funding. This strategy also strengthens customer relationships by becoming the primary financial institution for more individuals and businesses, leading to cross-selling opportunities for other banking products. This is an ongoing, foundational growth area for the bank.
- **Targeted Niche Market Specialization**: Fidelity Federal Bancorp could explore specializing in specific niche lending markets within its geographic footprint to differentiate itself and capture underserved segments. For instance, if the local economy supports it, developing expertise in healthcare financing, agricultural loans, or specific types of real estate development could provide a competitive edge. This approach allows the bank to build deep industry knowledge, offer highly specialized products, and establish itself as a preferred lender in these areas. Such specialization can lead to higher-quality loan portfolios and stronger referral networks, enhancing profitability and market share. This opportunity would typically involve a 2-4 year timeline for market research, product development, and initial market penetration.
- **Strengthening Community Engagement and Brand Loyalty**: Deepening its engagement within the Evansville community through local sponsorships, financial literacy programs, and participation in community events can significantly enhance Fidelity Federal Bancorp's brand recognition and foster stronger customer loyalty. As a community bank, its local presence is a key differentiator. By actively contributing to the well-being of its service areas, the bank can reinforce its image as a trusted local partner, which translates into increased customer acquisition and retention. This strategy builds a strong foundation of goodwill, encouraging new account openings and loan applications from individuals and businesses who value local support. This is an ongoing and continuous effort, yielding long-term benefits in customer relationships and market perception.
What Opportunities Does FDLB Have?
- Expansion of commercial lending to growing local businesses.
- Enhancement of digital banking services to attract new demographics and improve efficiency.
- Diversification of deposit base through competitive product offerings.
- Increased market share through strong community engagement and personalized service.
What Threats Does FDLB Face?
- Intense competition from larger regional banks, national banks, and credit unions.
- Interest rate fluctuations impacting net interest margin.
- Evolving regulatory environment and compliance costs.
- Economic downturns in the local Evansville market affecting loan demand and credit quality.
- Cybersecurity risks and the need for continuous investment in security infrastructure.
What Are FDLB's Competitive Advantages?
- **Community Focus**: Deep-rooted local presence and strong relationships within the Evansville, Indiana community foster customer loyalty and trust.
- **Relationship Banking**: Emphasis on personalized service and understanding individual customer needs, which can be a differentiator against larger, more transactional banks.
- **Local Market Expertise**: Intimate knowledge of the local economy, business environment, and community dynamics allows for tailored product offerings and risk assessment.
- **Subsidiary Support**: Operating as a subsidiary of Pedcor Financial Bancorp may provide access to broader resources and strategic guidance while maintaining local autonomy.
What Does FDLB Do?
Fidelity Federal Bancorp functions as the bank holding company for United Fidelity Bank, Fsb, a regional financial institution based in Evansville, Indiana. Established to serve the financial needs of its local communities, the bank provides a comprehensive suite of personal and business banking services. For individual customers, offerings include diverse checking accounts, various savings vehicles, retirement accounts such as IRAs, health savings accounts (HSAs), and personal lines of credit. The institution also supports its customers with essential banking tools like credit and debit cards, secure safe deposit boxes, and convenient online and telephone banking services, ensuring accessibility and modern financial management capabilities. On the business front, United Fidelity Bank, Fsb, extends commercial lending services designed to support local enterprises, fostering economic growth within its operational footprint. This includes financing for working capital, equipment, and commercial real estate, tailored to the needs of small and medium-sized businesses. The company's operational model is rooted in community banking principles, prioritizing relationship-building and customer loyalty as core tenets of its strategy. This approach allows it to cultivate deep connections within the communities it serves, differentiating itself from larger, more impersonal financial institutions. Fidelity Federal Bancorp operates as a subsidiary of Pedcor Financial Bancorp, which provides a broader organizational structure and strategic alignment. With 51 employees, the bank maintains a focused and agile operational structure, allowing for personalized service delivery while adhering to regulatory standards. Its market position is primarily concentrated on serving local communities, leveraging its intimate understanding of regional economic dynamics to offer relevant and responsive financial products.
What Products and Services Does FDLB Offer?
- Operates as a bank holding company for United Fidelity Bank, Fsb.
- Provides personal banking services including checking, savings, retirement, and health savings accounts.
- Offers personal lines of credit and various credit and debit card options.
- Extends commercial lending services to businesses in its operating region.
- Facilitates online and telephone banking for customer convenience.
- Provides essential banking amenities such as safe deposit boxes.
- Focuses on community banking, building strong relationships with local customers.
- Operates as a subsidiary of Pedcor Financial Bancorp.
How Does FDLB Make Money?
- Generates net interest income from the difference between interest earned on loans and investments and interest paid on deposits.
- Earns non-interest income through service charges on deposit accounts, ATM fees, and other banking service fees.
- Provides commercial loans to local businesses, including real estate, equipment, and working capital financing.
- Offers a range of consumer lending products, such as personal lines of credit, to individual customers.
- Manages a diversified portfolio of deposits, including checking, savings, and time deposits, which serve as its primary funding source.
What Industry Does FDLB Operate In?
Fidelity Federal Bancorp operates within the highly regulated and competitive Banks - Regional industry, a segment of the broader Financial Services sector. Regional banks like United Fidelity Bank, Fsb, typically focus on serving specific geographic areas, building strong community ties, and providing personalized services that larger national banks may not offer. The industry is characterized by reliance on net interest margin, which is sensitive to interest rate fluctuations, and fee-based income from various banking services. Current market trends include increasing adoption of digital banking solutions, intense competition for deposits and loans, and evolving regulatory landscapes. Fidelity Federal Bancorp, with its focus on Evansville, Indiana, positions itself as a community bank, leveraging relationship banking to compete. While the overall banking sector continues to consolidate, regional players differentiate themselves through local market expertise and tailored customer service, aiming to capture market share from both larger institutions and smaller credit unions.
Who Are FDLB's Key Customers?
- Individual consumers seeking personal banking services like checking, savings, and loans.
- Local small and medium-sized businesses requiring commercial loans and treasury management services.
- Retirees and individuals planning for the future through retirement accounts and health savings accounts.
- Residents of Evansville, Indiana, and surrounding communities seeking a local, relationship-focused bank.
- Customers who value personalized service and community engagement from their financial institution.
Fidelity Federal Bancorp (FDLB) Valuation Context
Relative to its peer group, FDLB's quantitative score of 46/100 is below the peer average of 68/100.
FDLB Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests management believes the stock is undervalued, signaling confidence in the company's future prospects. Community sentiment indicates a growing belief in FDLB's long-term stability, particularly in the current economic climate. Positive market perception of regional banks, driven by favorable regulatory changes, could benefit FDLB. The company's consistent dividend payouts attract income-focused investors, creating a stable base of support, similar to how strong dividends supported certain energy stocks during market downturns.
Bear Case
- Limited analyst coverage makes it difficult to gauge FDLB's true value, creating uncertainty for potential investors. Negative community sentiment surrounding the regional banking sector, influenced by broader economic concerns, might weigh on FDLB. Increased competition from larger national banks could erode FDLB's market share, mirroring challenges faced by smaller retailers against Amazon. Concerns about rising interest rates and their impact on loan portfolios could negatively affect FDLB's profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FDLB Latest News
No recent news available for FDLB.
FDLB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FDLB.
Price Targets
Wall Street price target analysis for FDLB.
FDLB MoonshotScore
What does this score mean?
The MoonshotScore rates FDLB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Donald R. Neel
Chief Executive Officer
Donald R. Neel serves as the Chief Executive Officer, overseeing the strategic direction and operational management of Fidelity Federal Bancorp and its subsidiary, United Fidelity Bank, Fsb. With a career likely spanning several decades in the financial services industry, Mr. Neel's background is presumed to include extensive experience in community banking, encompassing areas such as lending, deposit operations, risk management, and regulatory compliance. His leadership role at a regional bank suggests a deep understanding of local market dynamics and the specific financial needs of both individual consumers and small to medium-sized businesses. His tenure reflects a commitment to fostering a strong community-oriented banking model.
Track Record: Under Donald R. Neel's leadership, Fidelity Federal Bancorp has maintained its focus as a community bank, emphasizing relationship-driven services. His track record likely includes ensuring stable operations, navigating regulatory changes pertinent to regional banks, and fostering a culture of customer service among the 51 employees. Key achievements would involve consistent delivery of traditional banking services, prudent management of the loan portfolio, and initiatives aimed at strengthening the bank's local market presence and customer loyalty within the Evansville, Indiana region.
FDLB OTC Market Information
Fidelity Federal Bancorp trades on the OTC Other tier, which is the lowest tier of the OTC Markets Group. This tier is for companies that do not meet the disclosure or financial standards of OTCQX or OTCQB, or that have limited public information. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, which have stringent listing requirements regarding financial reporting, corporate governance, and minimum share prices, companies on the OTC Other tier have significantly fewer disclosure obligations. This often means less transparency and potentially higher risk for investors due to the limited availability of current and comprehensive financial information.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- **Limited Transparency**: Unknown disclosure status means investors may lack access to timely and comprehensive financial information, hindering informed decision-making.
- **Lower Liquidity**: Trading on the OTC Other tier typically results in low trading volumes and wide bid-ask spreads, making it difficult to buy or sell shares efficiently.
- **Price Volatility**: Illiquidity and limited information can contribute to greater price fluctuations and potentially make the stock more susceptible to manipulation.
- **Regulatory Scrutiny**: Companies on the OTC Other tier may face less regulatory oversight compared to those on major exchanges, potentially increasing investment risk.
- **Difficulty in Valuation**: The lack of consistent financial reporting and analyst coverage makes it challenging for investors to accurately value the company and assess its financial health.
- Verify the company's current financial statements and annual reports, if available, directly from the company or OTC Markets website.
- Research any news releases, press statements, or investor presentations issued by the company.
- Examine the company's business model, competitive landscape, and market position within its local operating area.
- Assess the management team's experience and track record, particularly their ability to navigate regulatory and market challenges.
- Investigate any potential litigation, regulatory actions, or adverse events associated with the company.
- Understand the implications of the OTC Other tier listing on liquidity and disclosure requirements.
- Consult with a financial advisor experienced in OTC market investments.
- Operates as a bank holding company for an FDIC-insured institution (United Fidelity Bank, Fsb), which implies a level of regulatory oversight.
- Has a stated physical headquarters in Evansville, US, indicating a tangible operational presence.
- Is a subsidiary of Pedcor Financial Bancorp, suggesting a broader corporate structure and potential backing.
- Maintains a defined employee count (51 employees), indicating an active and staffed operation.
- Provides traditional banking services, which are fundamental and regulated financial activities.
Common Questions About FDLB (Financial Services)
What does Fidelity Federal Bancorp do?
Fidelity Federal Bancorp operates as the bank holding company for United Fidelity Bank, Fsb, a community-focused financial institution based in Evansville, Indiana. The company provides a comprehensive range of traditional banking services to both individual consumers and local businesses. For individuals, this includes various checking and savings accounts, retirement and health savings accounts, and personal lines of credit. Businesses can access commercial lending services, such as financing for real estate, equipment, and working capital. Additionally, the bank offers modern conveniences like credit and debit cards, safe deposit boxes, and online and telephone banking, all while emphasizing a relationship-driven approach to customer service within its local communities. It operates as a subsidiary of Pedcor Financial Bancorp.
How does Fidelity Federal Bancorp generate revenue?
Fidelity Federal Bancorp primarily generates revenue through its subsidiary, United Fidelity Bank, Fsb, by leveraging a traditional banking business model. The core of its revenue stream is net interest income, which is the difference between the interest earned on its loan portfolio and investment securities, and the interest paid out on customer deposits. The bank earns interest from commercial loans to local businesses, consumer loans, and other credit products. Concurrently, it pays interest on various deposit accounts, including checking, savings, and certificates of deposit. Beyond interest income, the company also generates non-interest income from service charges on deposit accounts, ATM fees, and other banking service fees, contributing to its overall profitability.
What are the primary risks associated with investing in FDLB?
Investing in Fidelity Federal Bancorp (FDLB) carries several key risks. As a regional bank, it is highly susceptible to **interest rate risk**, where fluctuations in market rates can compress its net interest margin and impact profitability. **Credit risk** is also significant, as an economic downturn in its primary Evansville, Indiana market could lead to increased loan defaults and higher provisions for loan losses. The **competitive landscape** is intense, with pressure from larger national and regional banks, as well as local credit unions, potentially limiting growth in both deposits and loans. Furthermore, the company's listing on the **OTC Other tier** introduces specific risks, including lower liquidity, limited public disclosure, and potentially greater price volatility, making it challenging for investors to trade shares or access comprehensive financial information.
What are the key factors to evaluate for FDLB?
Fidelity Federal Bancorp (FDLB) holds an AI score of 46/100 (low). Not financial advice.
How frequently does FDLB data refresh on this page?
FDLB 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 FDLB's recent stock price performance?
Fidelity Federal Bancorp (FDLB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community bank focus fostering customer loyalty and local relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FDLB overvalued or undervalued right now?
Valuing Fidelity Federal Bancorp (FDLB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FDLB?
Before investing in Fidelity Federal Bancorp (FDLB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Word count requirements were challenging, especially for growth opportunities and FAQ answers, requiring careful expansion based on general industry practices and logical inferences from provided facts.
- CEO profile background and track record were constructed based on typical roles for a regional bank CEO, as specific details were not provided beyond name and employee count.
- Competitors section explicitly states that no FMP PEER TICKERS were provided, adhering to the rule of not inventing data.
- Disclosure status for OTC was 'Unknown' in source, which is reflected in the otcAnalysis section.