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    Fidelity D & D Bancorp (FDBC)

    Market Price (11/6/2026): $67.87 | Market Cap: $394.2 MilSector: Financials | Industry: Regional Banks

    Fidelity D & D Bancorp (FDBC)

    Market Price (11/6/2026): $67.87
    Market Cap: $394.2 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 6.7%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -61%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%

    Low stock price volatility
    Vol 12M is 30%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -2.8%, Dist 3Y High is -2.8%

    Weak multi-year price returns
    3Y Excs Rtn is -15%

    Key risks
    FDBC key risks include [1] heightened credit risk from its significant operational concentration within the local economies of Northeastern and Eastern Pennsylvania.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 6.7%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -61%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 47%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%
    3 Low stock price volatility
    Vol 12M is 30%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -2.8%, Dist 3Y High is -2.8%
    6 Weak multi-year price returns
    3Y Excs Rtn is -15%
    7 Key risks
    FDBC key risks include [1] heightened credit risk from its significant operational concentration within the local economies of Northeastern and Eastern Pennsylvania.

    FDBC in ETFs

    Weight = FDBC's share of each fund

    VTI0.00%
    IWM0.01%
    IWN0.02%
    VTWO0.01%
    DFAS0.00%
    IWV0.00%
    DFAC0.00%
    AVUV0.00%

    Valuation & Metrics

    null
    FDBCS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q13.4%8.9%
    Rev Chg LTM15.2%8.6%
    Rev Chg 3Y Avg6.1%6.3%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM47.1%21.5%
    Net Inc Mgn31.2%13.5%
    VALUATIONLOW
    P/S4.13.3
    P/CFO8.615.7
    P/FCF14.820.6
    P/E13.022.9

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employees3459302025Link
    Assets Under Management1,030,268,0009302025Link
    Number of Full-Service Offices2110222025Link
    Tier 1 Capital Ratio9.27%9302025Link
    Non-performing Assets to Total Assets Ratio0.11%9302025Link
    Number of Domestic Locations2310312025Link

    Price Chart

    Recent
    10/21/2026Earnings ReleaseRev: $39 Mil (A) vs. $null (E)
    EPS: 1.53 (A) vs. $- (E)
    Upcoming
    11/13/2026DividendAmount: $0.46
    Payment On: 12/10/2026
    1/27/2027Earnings ReleaseRev: -
    EPS: -

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/4/2026

    Fidelity D & D Bancorp (FDBC) stock has gained about 30% since 7/31/2026 because of the following key factors:

    1. Strong Financial Performance in Fiscal Q3 2026. Fidelity D & D Bancorp reported robust results for its fiscal third quarter ended September 30, 2026, which were announced on October 21, 2026. The company's GAAP net income increased by 21% year-over-year to $8.918 million, with diluted earnings per share (EPS) rising to $1.53 from $1.27 in fiscal Q3 2025. Total revenue for the quarter also reached $21.81 million.

    2. Significant Net Interest Income and Margin Expansion. A core driver of the improved profitability was a substantial increase in net interest income, which grew by $3.4 million, or 18% year-over-year, to $21.812 million in fiscal Q3 2026. This was primarily attributed to higher average loan balances, improved loan yields, and lower funding costs. The fully taxable-equivalent (FTE) net interest margin expanded by 35 basis points year-over-year to 3.30% in fiscal Q3 2026.

    Show more
    Updated on 11/4/2026

    Fidelity D & D Bancorp (FDBC) stock has gained about 30% since 7/31/2026 because of the following key factors:

    1. Strong Financial Performance in Fiscal Q3 2026. Fidelity D & D Bancorp reported robust results for its fiscal third quarter ended September 30, 2026, which were announced on October 21, 2026. The company's GAAP net income increased by 21% year-over-year to $8.918 million, with diluted earnings per share (EPS) rising to $1.53 from $1.27 in fiscal Q3 2025. Total revenue for the quarter also reached $21.81 million.

    2. Significant Net Interest Income and Margin Expansion. A core driver of the improved profitability was a substantial increase in net interest income, which grew by $3.4 million, or 18% year-over-year, to $21.812 million in fiscal Q3 2026. This was primarily attributed to higher average loan balances, improved loan yields, and lower funding costs. The fully taxable-equivalent (FTE) net interest margin expanded by 35 basis points year-over-year to 3.30% in fiscal Q3 2026.

    3. Enhanced Shareholder Returns via Increased Dividend. On October 22, 2026, Fidelity D & D Bancorp announced a 7% increase in its fourth-quarter cash dividend, raising it to $0.46 per share from the previous $0.43 per share. This marked the twelfth consecutive year of dividend growth, signaling management's confidence in the company's sustained financial health and commitment to returning value to shareholders.

    4. Sustained Improvement in Asset Quality. The company demonstrated continued effective risk management and credit quality improvement. Non-performing assets remained low at $2.6 million, representing only 0.08% of total assets as of September 30, 2026. The ratio of past due and non-accrual loans to total loans improved to 0.19% in fiscal Q3 2026 from 0.26% at year-end 2025, while net charge-offs to average total loans also improved to 0.01% from 0.03% over the same period.

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    Stock Movement Drivers

    Fundamental Drivers

    The 30.6% change in FDBC stock from 7/31/2026 to 11/5/2026 was primarily driven by a 28.4% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)52.1968.1430.6%
    Change Contribution By: 
    Total Revenues ($ Mil)95983.3%
    Net Income Margin (%)31.3%31.2%-0.1%
    P/E Multiple10.213.128.4%
    Shares Outstanding (Mil)66-1.4%
    Cumulative Contribution30.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    FDBC30.6% 
    Market (SPY)-1.9%14.0%
    Sector (XLF)1.0%45.8%

    Fundamental Drivers

    The 53.8% change in FDBC stock from 4/30/2026 to 11/5/2026 was primarily driven by a 44.2% change in the company's P/E Multiple.
    (LTM values as of)430202611052026Change
    Stock Price ($)44.3168.1453.8%
    Change Contribution By: 
    Total Revenues ($ Mil)91987.2%
    Net Income Margin (%)30.8%31.2%1.2%
    P/E Multiple9.113.144.2%
    Shares Outstanding (Mil)66-1.7%
    Cumulative Contribution53.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    FDBC53.8% 
    Market (SPY)2.3%4.0%
    Sector (XLF)10.7%38.5%

    Fundamental Drivers

    The 61.8% change in FDBC stock from 10/31/2025 to 11/5/2026 was primarily driven by a 27.6% change in the company's P/E Multiple.
    (LTM values as of)1031202511052026Change
    Stock Price ($)42.1268.1461.8%
    Change Contribution By: 
    Total Revenues ($ Mil)859815.2%
    Net Income Margin (%)27.9%31.2%12.0%
    P/E Multiple10.213.127.6%
    Shares Outstanding (Mil)66-1.7%
    Cumulative Contribution61.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    FDBC61.8% 
    Market (SPY)8.4%9.1%
    Sector (XLF)11.1%32.7%

    Fundamental Drivers

    The 68.5% change in FDBC stock from 10/31/2023 to 11/5/2026 was primarily driven by a 55.3% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)40.4368.1468.5%
    Change Contribution By: 
    Total Revenues ($ Mil)869814.5%
    Net Income Margin (%)31.8%31.2%-1.9%
    P/E Multiple8.413.155.3%
    Shares Outstanding (Mil)66-3.4%
    Cumulative Contribution68.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    FDBC68.5% 
    Market (SPY)81.3%30.5%
    Sector (XLF)85.5%44.2%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FDBC Return-6%-18%27%-13%-7%61%27%
    Peers Return86%-16%12%16%14%25%187%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    FDBC Win Rate50%42%50%50%50%82% 
    Peers Win Rate75%37%45%48%55%60% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    FDBC Max Drawdown-28%-39%-26%-28%-23%-11% 
    Peers Max Drawdown-17%-30%-42%-23%-23%-14% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: PFIS, UVSP, MPB, CBU, CUBI.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    EventFDBCS&P 500
    2025 US Tariff Shock
      % Loss-16.1%-18.8%
      % Gain to Breakeven19.1%23.1%
      Time to Breakeven67 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-14.6%-9.5%
      % Gain to Breakeven17.1%10.5%
      Time to Breakeven41 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-25.3%-6.7%
      % Gain to Breakeven33.8%7.1%
      Time to Breakeven20 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-37.1%-24.5%
      % Gain to Breakeven59.1%32.4%
      Time to Breakeven564 days427 days
    2020 COVID-19 Crash
      % Loss-33.6%-33.7%
      % Gain to Breakeven50.5%50.9%
      Time to Breakeven209 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-21.1%-19.2%
      % Gain to Breakeven26.7%23.8%
      Time to Breakeven351 days105 days

    Compare to PFIS, UVSP, MPB, CBU, CUBI

    In The Past

    Fidelity D & D Bancorp's stock fell -16.1% during the 2025 US Tariff Shock. Such a loss loss requires a 19.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFDBCS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-25.3%-6.7%
      % Gain to Breakeven33.8%7.1%
      Time to Breakeven20 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-37.1%-24.5%
      % Gain to Breakeven59.1%32.4%
      Time to Breakeven564 days427 days
    2020 COVID-19 Crash
      % Loss-33.6%-33.7%
      % Gain to Breakeven50.5%50.9%
      Time to Breakeven209 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-21.1%-19.2%
      % Gain to Breakeven26.7%23.8%
      Time to Breakeven351 days105 days
    2008-2009 Global Financial Crisis
      % Loss-29.7%-53.4%
      % Gain to Breakeven42.3%114.4%
      Time to Breakeven1692 days1085 days

    Compare to PFIS, UVSP, MPB, CBU, CUBI

    In The Past

    Fidelity D & D Bancorp's stock fell -16.1% during the 2025 US Tariff Shock. Such a loss loss requires a 19.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Fidelity D & D Bancorp (FDBC)

    Fidelity D & D Bancorp, Inc. (FDBC) is a bank holding company that operates primarily through its subsidiary, The Fidelity Deposit and Discount Bank. Established in 1902 and headquartered in Dunmore, Pennsylvania, the company offers a comprehensive range of banking, trust, and financial services.

    The company's main products and services encompass various deposit accounts, including savings, checking, money market, and certificates of deposit. On the lending side, FDBC provides commercial and industrial loans, commercial real estate loans, consumer loans, and residential mortgage solutions. Additionally, it offers alternative financial and insurance products, coupled with asset management services.

    Fidelity D & D Bancorp serves a broad customer base, catering to individuals, small businesses, and corporate clients. Its market presence is concentrated in Pennsylvania, operating 22 full-service banking offices across Lackawanna, Luzerne, and Northampton counties.

    AI Analysis | Feedback

    It's like a smaller, Pennsylvania-focused version of PNC Bank, offering a full range of banking, trust, and financial services.

    Imagine Bank of America, but operating as a local community bank serving a few specific counties in northeastern Pennsylvania.

    AI Analysis | Feedback

    • Deposit Services: The bank accepts various types of customer deposits, including checking, savings, money market, and certificates of deposit.
    • Loan Services: The bank offers a range of loans such as commercial, industrial, real estate, consumer, and residential mortgages.
    • Trust Services: The bank provides fiduciary and financial management services for trusts.
    • Asset Management: The bank offers services to manage financial assets for individuals and corporate clients.
    • Alternative Financial & Insurance Products: The bank provides a variety of financial instruments and insurance offerings beyond traditional banking.

    AI Analysis | Feedback

    Fidelity D & D Bancorp (FDBC) serves a diverse customer base, primarily categorized as:

    1. Individuals: These customers utilize services such as savings, checking, money market, and time deposits, as well as consumer and residential mortgage loans.
    2. Small Businesses: This category includes smaller enterprises that leverage commercial and industrial, and commercial real estate loans, alongside various banking and financial services.
    3. Corporate Customers: Larger businesses and organizations that access commercial and industrial, and commercial real estate loans, as well as trust and other comprehensive financial services.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Daniel J. Santaniello, President and Chief Executive Officer

    Daniel J. Santaniello has served as President and Chief Executive Officer of Fidelity Bank since December 2010. He joined the company in May 2004, initially as Vice President and Chief Operating Officer. Prior to that, from 2001 to December 2010, he was Executive Vice President and Chief Operating Officer and head of Retail Banking for Fidelity Bank. Mr. Santaniello earned his Bachelor of Science degree in Accounting from Marywood University in 1990 and possesses broad knowledge of banking from his extensive industry experience. He serves on the Board of Directors for the Pennsylvania Association of Bankers, St. Joseph's Center Foundation Board, and the Lackawanna Workforce Investment Board. Under his leadership, Fidelity Bank has been recognized as one of the Top 200 Community Banks in the U.S. by American Banker Magazine for ten consecutive times and has been the #1 mortgage lender in Northeastern Pennsylvania for 13 years in a row, as of 2023.

    Salvatore R. DeFrancesco Jr., Executive Vice President, Treasurer and Chief Financial Officer

    Salvatore R. DeFrancesco Jr. is a key executive at Fidelity D & D Bancorp, Inc., serving as Executive Vice President, Treasurer, and Chief Financial Officer. In this role, he is responsible for the company's financial health, including financial planning and analysis, accounting, treasury operations, and capital management. Mr. DeFrancesco Jr., who is a CPA and CGMA, plays an instrumental part in developing and implementing financial strategies that support the bank's growth and profitability.

    Timothy P. O'Brien, Senior Executive Vice President & Chief Business Development Officer

    Timothy P. O'Brien serves as Senior Executive Vice President and Chief Business Development Officer of The Fidelity Deposit and Discount Bank. He brings more than 40 years of banking experience, having held various executive management positions at other local and regional financial institutions. Mr. O'Brien has served on the Board of Directors for St. Joseph's Center, the Scranton Cultural Center, and has been a board member of both the Greater Pittston and Greater Scranton Chambers of Commerce. He was also a member of the Finance and Audit Committees for The Commonwealth Medical College.

    Michael J. Pacyna, Jr., Executive Vice President and Chief Credit Officer

    Michael J. Pacyna, Jr. is the Executive Vice President and Chief Credit Officer at Fidelity D & D Bancorp. In this role, he is responsible for the company's credit policies and procedures.

    Ruth G. Turkington, Executive Vice President and Chief Consumer Banking Officer

    Ruth G. Turkington serves as Executive Vice President and Chief Consumer Banking Officer of Fidelity Bank. She oversees the bank's consumer banking operations and strategies.

    AI Analysis | Feedback

    Here are the key risks to Fidelity D & D Bancorp (FDBC):

    1. Concentration of Economic and Credit Risk in Local Markets: Fidelity D & D Bancorp's operations are heavily concentrated in Northeastern and Eastern Pennsylvania, specifically Lackawanna, Luzerne, and Northampton counties. An economic downturn or prolonged slow recovery in these primary market areas could lead to a significant increase in non-performing assets and loan losses, potentially causing operating losses, impaired liquidity, and erosion of capital.
    2. Interest Rate Fluctuations and Regulatory Changes: As a financial services provider, Fidelity D & D Bancorp is exposed to the inherent risks associated with fluctuations in interest rates. Additionally, the company is subject to a complex and evolving landscape of federal and state banking laws and regulations, including those from the Securities and Exchange Commission (SEC), the Federal Reserve Board (FRB), the Pennsylvania Department of Banking and Securities, and the Federal Deposit Insurance Corporation (FDIC). Changes in these regulations could impact the company's operations and profitability.
    3. Exposure to Uninsured Deposits and Liquidity Risk: A notable portion of Fidelity D & D Bancorp's deposits were uninsured as of December 31, 2025, accounting for approximately 39% of total deposits. This level of uninsured deposits, particularly when combined with the bank's concentrated market exposure in Pennsylvania, could pose a liquidity risk if there were a sudden loss of depositor confidence or broader financial instability.

    AI Analysis | Feedback

    The clear emerging threat for Fidelity D & D Bancorp is the rapid proliferation and adoption of digital-first banking services and non-bank financial technology (fintech) companies. These include online-only banks, neobanks, and specialized platforms offering payments, lending, and asset management services, which provide consumers and businesses with convenient, often lower-cost, and technologically advanced alternatives to traditional branch-based banking. This trend threatens to erode FDBC's customer base, deposit volumes, and market share across its core banking and financial services offerings.

    AI Analysis | Feedback

    Fidelity D & D Bancorp (FDBC) operates within the banking and financial services sector, primarily serving Lackawanna, Luzerne, and Northampton counties in Pennsylvania. The addressable markets for its main products and services, primarily within Pennsylvania, can be approximated as follows:

    Banking Services (Deposits)

    The total bank deposits in Pennsylvania, which represents a significant portion of the addressable market for deposit products, amounted to $270.92 billion as of the fourth quarter of 2024.

    Commercial and Industrial & Commercial Real Estate Loans

    The commercial banking industry in Pennsylvania is projected to have a market size of $43.2 billion in 2026. Within this, the commercial real estate market in Pennsylvania sees approximately $18.5 billion in annual transaction volume. Furthermore, commercial and multifamily property lending nationally is forecast to increase by 16% to $583 billion in 2025, indicating a substantial market in Pennsylvania for these types of loans.

    Residential Mortgage Loans

    The residential mortgage market in Pennsylvania saw approximately 126,000 mortgage originations for owner-occupied homes in one- to four-unit buildings in 2022. In 2022, there were 90,825 home sales in Pennsylvania. The average mortgage debt in Pennsylvania increased to $175,647 in 2024.

    Consumer Loans

    Commercial banks are a major source of consumer loans, which are typically included within the broader commercial banking sector. The overall commercial banking market in Pennsylvania, as noted above, is substantial.

    Trust and Financial Services & Asset Management Services

    The market size for the Portfolio Management & Investment Advice industry in Pennsylvania is projected to be $24.3 billion in 2026.

    AI Analysis | Feedback

    Fidelity D & D Bancorp (FDBC) is expected to drive future revenue growth over the next two to three years through a combination of strategic lending focus, favorable market conditions, and operational enhancements:

    1. Continued Expansion of Commercial Lending: The company has demonstrated a concentrated effort and success in growing its commercial loan portfolio, specifically in commercial & industrial (C&I), commercial real estate (CRE), and municipal lending. This strategic reallocation towards higher-yielding commercial segments is anticipated to be a key driver of future interest income.
    2. Beneficial Interest Rate Environment: Analysts project a likely steepening of the yield curve in 2026, which is expected to disproportionately benefit regional banks such as Fidelity D & D Bancorp. This market condition could lead to improved net interest margins and, consequently, higher net interest income.
    3. Growth in Core Deposits: Fidelity D & D Bancorp has shown consistent growth in its core deposit base, particularly in money market and MMDA balances. This "sticky" deposit base provides a stable and lower-cost funding source, enabling the bank to support further loan expansion without relying as heavily on more expensive short-term borrowings.
    4. Enhanced Operational Efficiency from Strategic Investments: The company's ongoing investments in a new downtown headquarters, expected to be completed by mid-2026, and continuous upgrades to its IT and banking platforms are aimed at improving operational efficiency. These enhancements are anticipated to support increased capacity and better service delivery, indirectly contributing to revenue growth.
    5. Disciplined Loan Portfolio Management and Asset Quality: Fidelity D & D Bancorp maintains strong asset quality and a prudent lending approach, evidenced by low non-performing assets. This disciplined underwriting and active reallocation of the balance sheet towards higher-yielding loans enable sustained, quality loan growth without compromising credit risk, thereby supporting revenue expansion.

    AI Analysis | Feedback

    Share Repurchases

    No information available regarding share repurchases or authorized future share repurchases for Fidelity D & D Bancorp (FDBC) within the last 3-5 years.

    Share Issuance

    • In 2025, Fidelity D & D Bancorp reported an additional $1.3 million from the issuance of common stock under the company's stock plans and stock-based compensation expense.
    • On February 18, 2026, Chairman Brian J. Cali acquired 2,500 restricted common shares as a grant or award, valued at approximately $112,775 based on a reference price of $45.11 per share.
    • Also on February 18, 2026, Treasurer & CFO Salvatore R. DeFrancesco Jr. acquired 1,590 restricted common shares as a grant or award, valued at approximately $71,724.90 based on a reference price of $45.11 per share.

    Inbound Investments

    No information available regarding large inbound investments made in Fidelity D & D Bancorp by third-parties within the last 3-5 years.

    Outbound Investments

    No information available regarding strategic investments made by Fidelity D & D Bancorp in other companies within the last 3-5 years.

    Capital Expenditures

    • Fidelity D & D Bancorp's capital expenditures were approximately $8.611 million in 2021, $7.085 million in 2022, $3.516 million in 2023, and $1.667 million in 2024.
    • For the first three quarters of 2025, capital expenditures totaled approximately $12.093 million.
    • The primary focus of capital expenditures includes the continued construction of a new downtown headquarters, expected to be completed by mid-2026, and ongoing investments in IT and platform upgrades.

    Peer Outperformance in Regional Banks

    FDBC has trailed 50% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and OFG. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that FDBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    91%
    of 281 industry peers · 58.4% return
    3Y
    21%
    of 273 industry peers · 56.5% return
    5Y
    50%
    of 262 industry peers · 46.7% return
    Regional Banks peers with revenue growth within 4pp of FDBC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    FDBC Fidelity D & D Bancorp 6.1% 13.1x 58.4%56.5%46.7% —
    FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +71pp
    BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +70pp
    OFG OFG Bancorp 4.5% 9.7x 30.7%73.5%113.0% +66pp
    SRCE 1st Source 7.5% 11.8x 46.3%95.9%95.9% +49pp
    WTFC Wintrust Financial 9.1% 11.1x 19.0%98.3%77.6% +31pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FDBC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can Fidelity D & D Bancorp Stock Really Go?10/17/2025
    Title
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    Peer Comparisons

    Peers to compare with:

    Financials

    FDBCPFISUVSPMPBCBUCUBIMedian
    NameFidelity.Peoples .Univest .Mid Penn.Communit.Customer. 
    Mkt Price67.8772.8140.2634.2864.6484.4366.25
    Mkt Cap0.40.71.10.93.42.91.0
    Rev LTM98196346261860906304
    Op Inc LTM-------
    FCF LTM27451207424722997
    FCF 3Y Avg2735956221817279
    CFO LTM465312380308381102
    CFO 3Y Avg3842996925926784

    Growth & Margins

    FDBCPFISUVSPMPBCBUCUBIMedian
    NameFidelity.Peoples .Univest .Mid Penn.Communit.Customer. 
    Rev Chg LTM15.2%7.1%8.2%35.5%10.2%38.3%12.7%
    Rev Chg 3Y Avg6.1%30.1%4.2%16.1%9.7%16.2%12.9%
    Rev Chg Q13.4%7.1%8.1%39.9%12.2%10.6%11.4%
    QoQ Delta Rev Chg LTM3.3%1.8%2.0%9.0%2.9%2.4%2.7%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM47.1%27.3%35.6%30.7%35.8%42.0%35.7%
    CFO/Rev 3Y Avg44.9%26.1%30.6%33.5%32.9%35.3%33.2%
    FCF/Rev LTM27.4%22.9%34.6%28.3%28.7%25.3%27.8%
    FCF/Rev 3Y Avg31.9%22.0%29.4%30.5%27.8%23.3%28.6%

    Valuation

    FDBCPFISUVSPMPBCBUCUBIMedian
    NameFidelity.Peoples .Univest .Mid Penn.Communit.Customer. 
    Mkt Cap0.40.71.10.93.42.91.0
    P/S4.13.73.23.34.03.13.5
    P/Op Inc-------
    P/EBIT-------
    P/E13.012.811.712.714.99.812.8
    P/CFO8.613.69.010.811.07.59.9
    Total Yield10.1%11.2%10.8%10.3%9.6%10.2%10.3%
    Dividend Yield2.4%3.4%2.3%2.5%2.9%0.0%2.4%
    FCF Yield 3Y Avg9.6%7.1%10.1%11.1%7.0%7.4%8.5%
    D/E0.30.50.20.20.20.80.3
    Net D/E-0.6-0.2-0.3-0.5-0.7-0.9-0.6

    Returns

    FDBCPFISUVSPMPBCBUCUBIMedian
    NameFidelity.Peoples .Univest .Mid Penn.Communit.Customer. 
    1M Rtn22.4%5.1%-2.7%-5.1%8.5%12.6%6.8%
    3M Rtn26.9%2.7%-8.0%-8.7%-0.3%2.9%1.2%
    6M Rtn49.8%25.9%4.8%7.0%2.7%8.4%7.7%
    12M Rtn57.8%64.2%38.6%20.8%17.6%24.9%31.7%
    3Y Rtn55.9%106.1%146.2%86.4%63.1%90.8%88.6%
    1M Excs Rtn22.6%8.0%-0.1%-2.0%10.6%15.3%9.3%
    3M Excs Rtn26.4%4.9%-5.1%-7.3%1.3%3.8%2.6%
    6M Excs Rtn45.0%21.1%-0.0%2.2%-2.1%3.6%2.9%
    12M Excs Rtn48.2%55.5%27.1%9.7%6.2%12.6%19.8%
    3Y Excs Rtn-15.1%29.3%82.3%15.3%-4.7%26.5%20.9%

    Comparison Analyses

    null

    FDA Approved Drugs Data

    Expand for More
    Post-Approval Fwd Returns
    FDA
    App #    		Brand
    Name    		Generic
    Name    		Dosage
    Form    		FDA
    Approval    		3M
    Rtn    		6M
    Rtn    		1Y
    Rtn    		2Y
    Rtn    		Total
    Rtn
    NDA216190  ONTRALFYtizanidine hydrochloridesolution12122024-21.9%-21.4%-6.2%34.7%34.7%
     Collapse to Preview
    Post-Approval Fwd Returns
    FDA
    App #    		Brand
    Name    		Generic
    Name    		Dosage
    Form    		FDA
    Approval    		3M
    Rtn    		6M
    Rtn    		1Y
    Rtn    		2Y
    Rtn    		Total
    Rtn
    NDA216190  ONTRALFYtizanidine hydrochloridesolution12122024-21.9%-21.4%-6.2%34.7%34.7%

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/7/20265/8/20263/13/202611/7/20258/8/20255/9/20253/13/202511/12/20248/12/20245/14/20243/20/202411/13/2023
    Key Financials Quarterly            
    Total Revenue262424232321212019191319
    Net Income878776655505
    EPS1.341.291.381.271.201.041.020.870.860.880.080.94
    Key Financials TTM            
    Total Revenue TTM989591888582807270717382
    Net Income TTM313028262422211516161825
    Growth Rates Quarterly            
    Total Revenue Growth13.4%16.7%15.3%15.6%18.0%8.5%64.3%7.7%-2.3%-9.6%-42.2%-15.8%
    Net Income Growth13.4%24.5%36.1%47.9%40.2%18.5%1146.6%-7.0%-8.0%-28.2%-93.5%-30.6%
    Margins Quarterly            
    Net Income Margin30.1%30.5%32.9%31.5%30.1%28.6%27.9%24.6%25.3%26.2%3.7%28.5%
    Cash & Debt            
    Total Cash380326324320358398415455406407456463
    Total Debt1351617171717174211643134142
    Net Debt / (Cash)-244-310-307-303-341-380-398-412-289-364-322-322
    Cash Flows Quarterly            
    FCF from Operations2181081312699586
    Cash Flows TTM            
    FCF from Operations TTM463842394036303129283031
    Returns to Shareholders Quarterly            
    Dividends232222222222
    Share Repurchases000-0-00-0-0-00-00
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment9180738776
    Total9180738776


    Price Behavior

    Price Behavior
    Market Price$68.14 
    Market Cap ($ Bil)0.4 
    First Trading Date02/23/2007 
    Distance from 52W High-2.8% 
       50 Days200 Days
    DMA Price$57.71$49.74
    DMA Trendupup
    Distance from DMA18.1%37.0%
     3M1YR
    Volatility31.0%29.6%
    Downside Capture-116.36-13.28
    Upside Capture38.4949.23
    Correlation (S&P 500)-2.5%7.2%
    FDBC Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-1.04-0.23-0.08-0.130.120.75
    Up Beta-0.17-0.360.59-0.260.050.67
    Down Beta0.170.26-0.07-0.040.150.69
    Up Capture10%37%32%30%31%59%
    Bmk +ve Days12182862130427
    Stock +ve Days16283970130365
    Down Capture-311%-144%-122%-89%-23%94%
    Bmk -ve Days10253664121325
    Stock -ve Days6152556120383

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FDBC
    FDBC62.6%29.6%1.63-
    Sector ETF (XLF)11.1%15.2%0.4732.8%
    Equity (SPY)9.5%13.6%0.419.0%
    Gold (GLD)3.6%28.7%0.11-3.9%
    Commodities (DBC)37.7%21.2%1.40-26.8%
    Real Estate (VNQ)12.0%14.2%0.5541.2%
    Bitcoin (BTCUSD)-20.8%43.3%-0.42-9.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FDBC
    FDBC10.5%35.6%0.35-
    Sector ETF (XLF)9.1%18.4%0.3638.7%
    Equity (SPY)11.3%17.3%0.4829.8%
    Gold (GLD)17.5%19.1%0.74-2.2%
    Commodities (DBC)8.0%19.6%0.29-2.5%
    Real Estate (VNQ)1.2%18.9%-0.0533.6%
    Bitcoin (BTCUSD)5.9%51.5%0.2914.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FDBC
    FDBC9.6%44.4%0.38-
    Sector ETF (XLF)13.3%22.1%0.5441.5%
    Equity (SPY)14.9%18.0%0.7036.9%
    Gold (GLD)12.0%16.5%0.59-0.1%
    Commodities (DBC)7.6%18.1%0.3310.8%
    Real Estate (VNQ)5.7%20.7%0.2336.6%
    Bitcoin (BTCUSD)61.3%66.2%1.0110.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.0 Mil
    Short Interest: % Change Since 93020263.3%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest4.4 days
    Basic Shares Quantity5.9 Mil
    Short % of Basic Shares0.7%

    Returns Analyses

    Earnings Returns History

    Updated 10/30/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/21/20266.8%7.7% 
    7/22/2026-0.1%3.2%6.4%
    4/22/20261.2%-2.5%0.2%
    1/28/20263.5%10.8%3.6%
    10/22/20252.7%1.6%-1.6%
    7/23/20254.3%-5.1%-2.0%
    4/23/2025-2.2%2.7%3.1%
    1/29/20251.5%5.0%3.0%
    ...
    SUMMARY STATS   
    # Positive161714
    # Negative9810
    Median Positive1.8%3.2%5.0%
    Median Negative-2.2%-3.2%-3.1%
    Max Positive7.6%13.3%28.4%
    Max Negative-5.7%-5.9%-16.1%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/21/20266.8%7.7% 
    7/22/2026-0.1%3.2%6.4%
    4/22/20261.2%-2.5%0.2%
    1/28/20263.5%10.8%3.6%
    10/22/20252.7%1.6%-1.6%
    7/23/20254.3%-5.1%-2.0%
    4/23/2025-2.2%2.7%3.1%
    1/29/20251.5%5.0%3.0%
    10/23/20241.9%5.1%6.2%
    7/24/2024-2.5%-5.9%-16.1%
    4/24/2024-2.9%-1.6%-2.5%
    1/25/20241.4%-2.2%-3.5%
    10/25/20230.9%3.2%18.0%
    7/26/20231.5%0.6%-5.3%
    4/21/2023-0.2%-3.9%-10.2%
    1/25/2023-0.8%4.3%7.1%
    10/26/20220.9%2.1%5.2%
    7/27/20227.6%7.8%4.7%
    4/27/2022-2.8%-2.2%-2.2%
    1/26/20221.8%1.7%-3.9%
    10/27/20212.1%13.3%5.7%
    7/28/2021-1.7%1.5%2.0%
    4/28/20210.5%1.9%2.0%
    1/27/2021-5.7%-4.3%-2.7%
    10/28/20202.4%12.2%28.4%
    SUMMARY STATS   
    # Positive161714
    # Negative9810
    Median Positive1.8%3.2%5.0%
    Median Negative-2.2%-3.2%-3.1%
    Max Positive7.6%13.3%28.4%
    Max Negative-5.7%-5.9%-16.1%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/13/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/12/202410-Q
    03/31/202405/14/202410-Q
    12/31/202303/20/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/11/202310-Q
    03/31/202305/12/202310-Q
    12/31/202203/20/202310-K
    09/30/202211/10/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/13/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/12/202410-Q
    03/31/202405/14/202410-Q
    12/31/202303/20/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/11/202310-Q
    03/31/202305/12/202310-Q
    12/31/202203/20/202310-K
    09/30/202211/10/202210-Q
    06/30/202208/15/202210-Q
    03/31/202205/12/202210-Q
    12/31/202103/23/202210-K
    09/30/202111/12/202110-Q
    06/30/202108/10/202110-Q
    03/31/202105/14/202110-Q
    12/31/202003/19/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/13/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 11/4/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Woelkers, Paul C DirectSell1104202669.3550034,6755,585,319Form
    2Cali, Brian JChairman of the BoardDirectBuy91520260.00250  Form
    3Delvecchio, Rocco DirectBuy72920260.0026  Form
    4Cali, Brian JChairman of the BoardDirectBuy61220260.00273  Form
    5Cali, Brian JChairman of the BoardDirectBuy31120260.00308  Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Woelkers, Paul C DirectSell1104202669.3550034,6755,585,319Form
    2Cali, Brian JChairman of the BoardDirectBuy91520260.00250  Form
    3Delvecchio, Rocco DirectBuy72920260.0026  Form
    4Cali, Brian JChairman of the BoardDirectBuy61220260.00273  Form
    5Cali, Brian JChairman of the BoardDirectBuy31120260.00308  Form
    6McDonald, Michael JVice ChairmanDirectBuy209202648.0110,414500,0008,700,754Form
    7Cali, Brian JChairman of the BoardDirectBuy121120250.00300  Form
    8Joyce, William J SR DirectBuy1110202544.501,00044,500820,405Form
    9Santaniello, Daniel JPresident & CEODirectBuy1110202544.501,00044,5002,688,283Form
    10Cali, Brian JChairman of the BoardDirectBuy1110202544.501,95186,82018,590,831Form

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