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FDBC

Fidelity D & D Bancorp, Inc.

FDBC

Fidelity D & D Bancorp, Inc. • NASDAQ
$43.78 ▼ -0.14% (-0.06)
Market Cap $252.49 M
52w High $55.27
52w Low $37.00
Dividend Yield 1.63%
P/E 9.71
Volume 2.42K
Outstanding Shares 5.77M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $35.579M ▲ $14.633M ▼ $7.346M ▲ 20.647% ▲ $1.27 ▲ $9.993M ▲
Q2-2025 $34.827M ▲ $14.721M ▲ $6.921M ▲ 19.873% ▲ $1.2 ▲ $9.675M ▲
Q1-2025 $32.219M ▼ $14.245M ▼ $5.991M ▲ 18.595% ▲ $1.04 ▲ $8.461M ▲
Q4-2024 $32.696M ▲ $14.406M ▲ $5.834M ▲ 17.843% ▲ $1.02 ▲ $8.082M ▲
Q3-2024 $32.001M $13.844M $4.967M 15.521% $0.87 $7.272M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $320.081M ▼ $2.737B ▲ $2.508B ▲ $229.247M ▲
Q2-2025 $358.247M ▼ $2.699B ▼ $2.481B ▼ $217.912M ▲
Q1-2025 $397.698M ▼ $2.711B ▲ $2.5B ▲ $211.674M ▲
Q4-2024 $414.81M ▼ $2.585B ▼ $2.381B ▼ $203.969M ▼
Q3-2024 $454.615M $2.616B $2.409B $207.261M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $7.346M ▲ $8.423M ▼ $-61.189M ▼ $29.432M ▲ $-23.334M ▲ $8.423M ▲
Q2-2025 $6.921M ▲ $12.58M ▲ $-33.704M ▼ $-24.576M ▼ $-45.7M ▼ $6.888M ▼
Q1-2025 $5.991M ▲ $11.681M ▲ $1.3M ▲ $114.861M ▲ $127.842M ▲ $11.508M ▲
Q4-2024 $5.834M ▲ $6.464M ▼ $-14.161M ▲ $-29.119M ▼ $-36.816M ▼ $5.877M ▼
Q3-2024 $4.967M $9.073M $-64.072M $97.083M $42.084M $7.779M

Revenue by Products

Product Q2-2021Q3-2021Q4-2021Q1-2022
Credit And Debit Card
Credit And Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Fiduciary And Trust
Fiduciary And Trust
 $0 ▲$0 ▲$0 ▲$0 ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Investment Advisory Management And Administrative Service
Investment Advisory Management And Administrative Service
 $0 ▲$0 ▲$0 ▲$0 ▲
Loans
Loans
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past several years, showing that the bank continues to expand its business and customer base. Profitability peaked a couple of years ago and has since eased back, which is common for regional banks in a shifting interest-rate environment. Even so, earnings remain comfortably above earlier years, suggesting the core franchise is still healthy. The slight step down in recent profit levels points to some margin pressure and higher costs, but not to a breakdown in the business model.

Balance Sheet

Balance Sheet The balance sheet looks like that of a conservative regional bank that has grown in a measured way. Total assets have increased meaningfully, reflecting both loan growth and a broader banking footprint. Equity has also climbed, which supports the view that the bank has been retaining enough earnings to strengthen its capital base. Debt briefly jumped, then was brought back down, suggesting active balance sheet management rather than a structural reliance on borrowing. Cash levels move around from year to year but do not suggest liquidity stress.

Cash Flow

Cash Flow Cash generation from day‑to‑day banking activities has been consistently positive, with an especially strong year in the recent past followed by a return to more normal levels. After covering its modest investment spending, the bank has been left with positive free cash flow in each of the last several years, which is a healthy sign. Capital spending needs appear relatively light, implying that the bank can support its operations and technology investments without straining its cash resources.

Competitive Edge

Competitive Edge FDBC competes as a community‑focused regional bank with a long operating history in its home markets. Its strengths lie in deep local relationships, personalized service, and a reputation built over more than a century. The bank reinforces this with tailored products for both consumers and businesses, plus a wealth management arm that broadens customer ties. Its challenge is that it faces intense competition from larger regional and national banks, as well as digital‑only players, while being more geographically concentrated than bigger peers. That makes execution in its core region especially important.

Innovation and R&D

Innovation and R&D For a community bank, FDBC shows a relatively advanced approach to technology. It offers a full digital banking suite, mobile deposits, digital wallets, and strong card controls aimed at security and convenience. For business clients, it provides cash‑management tools, fraud‑prevention services, and a platform designed to simplify everyday financial operations. The rollout of an AI‑powered website assistant signals a willingness to experiment with newer tools to improve customer service. Future innovation seems likely to focus on better data use, more personalized digital experiences, and deeper integration of services for small and mid‑sized businesses, rather than on headline‑grabbing, high‑risk tech bets.

Summary

Overall, Fidelity D & D Bancorp appears to be a steadily grown, relationship‑driven regional bank that has adapted reasonably well to the digital era. Earnings have cooled from their recent peak but remain solid, supported by a growing asset base and a stronger capital position than several years ago. Cash flows are healthy and investment needs are manageable, which supports ongoing technology upgrades and customer‑facing improvements. The bank’s edge comes from combining long‑standing local trust with credible digital capabilities, but it remains exposed to the usual regional‑bank risks: competition for deposits, interest‑rate swings, and the health of its local economies. Observers may want to watch how it balances margin pressure with loan growth, maintains credit quality, and continues to differentiate its digital and relationship‑banking offerings over time.

NEWS

November 3, 2025 · 5:32 PM UTC

Charles Hangen Joins Fidelity Bank as Senior Vice President and Chief Risk Officer

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October 23, 2025 · 10:18 AM UTC

Eleven Consecutive Years Raising Dividends With 7.5% Increase for Fourth Quarter 2025

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September 17, 2025 · 4:07 PM UTC

Fidelity D & D Bancorp, Inc. Announces Retirement of Director Richard Hotchkiss

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