Fidelity D & D Bancorp, Inc. (FDBC) Stock

Fidelity D & D Bancorp, Inc. (FDBC) is a Financials stock trading at $53.99 (as of 2026-08-21), with a market capitalization of $313.63M and a trailing P/E of 10.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Fidelity D & D Bancorp, Inc. is the bank holding company for The Fidelity Deposit and Discount Bank, providing banking, trust, and financial services. It takes deposit accounts and issues loans, and also provides asset management and alternative financial and insurance products for individuals, small businesses, and corporate customers.

Understand Fidelity D & D Bancorp, Inc.: how it makes money

Fidelity D and D Bancorp is a bank holding company that offers banking, trust, and financial services, it makes money by taking customer deposits, originating loans, and providing related services to individuals, small businesses, and corporate customers.

As a deposit-taking lender, its core earnings power comes from turning customer deposits into interest-earning loans, supported by income from its broader banking, trust, and financial services.

Business quality (Solid): Clear description of deposit and lending activities, but there is no official segment revenue breakdown provided and only one operating KPI (Full-Service Offices).

Valuation: At 10× earnings, FDBC trades 23% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad menu of customer banking products: It accepts multiple types of deposits, including savings, checking, money market, and time deposits, which can support recurring funding needs.
  • Diversified lending and service offering: It offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans, and it also provides trust and alternative financial and insurance products.

Bear case

  • Limited disclosure in the provided data: No reportable segments with segment revenues were provided, so it is harder to pinpoint what part of the business is driving performance.
  • Operating footprint is a key observable metric: The only operating metric provided is Full-Service Offices (21), which may reflect a narrower physical presence than larger peers.
Valuation — source: SEC EDGAR (first-party)
Price$53.99
Market Cap$313.63M
P/E Ratio10.5
EV / EBITDA5.1
Price / Book1.24
Price / Sales2.56
FCF Yield18.9%
DCF Value (model)$102.57
DCF Upside vs Price90.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$119.84M
Net Margin23.5%
Revenue Growth (YoY)7.6%
EPS Growth (YoY)24.0%
FCF Growth (YoY)-71.8%
Valuation vs Sector & Industry
Stock P/E10.5
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-30.8%
vs Industry-19.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($13.09M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODaniel J. Santaniello
Employees289
CountryUS
IPO Date1999-04-13

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • The First Bancorp, Inc. (FNLC)
  • NewtekOne, Inc. (NEWT)
  • Chain Bridge Bancorp, Inc. (CBNA)
  • Ames National Corporation (ATLO)
  • LCNB Corp. (LCNB)
  • Hawthorn Bancshares, Inc. (HWBK)
  • National Bankshares, Inc. (NKSH)
  • Virginia National Bankshares Corporation (VABK)
FDBC earnings history · FDBC institutional & insider holders · FDBC KPIs & operating metrics · FDBC financials · FDBC investor presentations & press releases · FDBC SEC filings · FDBC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.