Tearsheet

Fidelity D & D Bancorp (FDBC)

Market Price (4/5/2026): $43.74 | Market Cap: $252.3 Mil
Sector: Financials | Industry: Regional Banks

Fidelity D & D Bancorp (FDBC)

Market Price (4/5/2026): $43.74
Market Cap: $252.3 Mil
Sector: Financials
Industry: Regional Banks

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

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.0%, FCF Yield is 9.9%

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 -122%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%

Low stock price volatility
Vol 12M is 38%

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

Weak multi-year price returns
2Y Excs Rtn is -29%, 3Y Excs Rtn is -63%

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 13%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.0%, FCF Yield is 9.9%
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 -122%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%
3	Low stock price volatility Vol 12M is 38%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5	Weak multi-year price returns 2Y Excs Rtn is -29%, 3Y Excs Rtn is -63%
6	Key risks FDBC key risks include [1] heightened credit risk from its significant operational concentration within the local economies of Northeastern and Eastern Pennsylvania.

Valuation, Metrics & Events

	4/5/26	2025	2024	2023	2022
Share Price CYE	$43.74	$41.61	$48.43	$45.66	$46.43
Market Cap CYE ($ Mil)	252.3	239.4	277.1	258.0	262.6
Total Debt ($ Mil)	16.9	17.4	43.4	106.9	21.4
Total Cash ($ Mil)	148.1	211.2	72.7	63.0	97.4
Enterprise Value ($ Mil)	121.1	256.8	320.5	364.9	284.0
Valuation Ratios
P/S TTM	2.8	2.9	3.9	2.9	3.2
P/EBIT TTM	-	-	-	-	-
P/E TTM	8.9	11.0	17.1	8.7	10.2
P/FCF TTM	10.2	7.4	13.6	7.3	-45.9
Sector Ratios
P/S TTM (Sector)	3.1	2.9	2.7	2.4	3.3
P/EBIT TTM (Sector)	6.6	8.1	7.5	7.5	7.1
P/E TTM (Sector)	10.9	11.2	9.9	8.4	10.0
P/FCF TTM (Sector)	8.4	8.4	7.6	6.0	7.6

	4/5/26	2025	2024
Share Price CYE	$43.74	$41.61	$48.43
Market Cap CYE ($ Mil)	252.3	239.4	277.1
Total Debt ($ Mil)	16.9	17.4	43.4
Total Cash ($ Mil)	148.1	211.2	72.7
Enterprise Value ($ Mil)	121.1	256.8	320.5
Valuation Ratios
P/S TTM	2.8	2.9	3.9
P/EBIT TTM	-	-	-
P/E TTM	8.9	11.0	17.1
P/FCF TTM	10.2	7.4	13.6
Sector Ratios
P/S TTM (Sector)	3.1	2.9	2.7
P/EBIT TTM (Sector)	6.6	8.1	7.5
P/E TTM (Sector)	10.9	11.2	9.9
P/FCF TTM (Sector)	8.4	8.4	7.6

	FDBC	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	0.1
Rev Chg Q	15.3%	7.4%
Rev Chg LTM	14.4%	6.8%
Rev Chg 3Y Avg	2.5%	5.7%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.0
Net Inc LTM ($ Bil)	0.0
CFO/Rev LTM	46.3%	20.7%
Net Inc Mgn	30.8%	12.8%
VALUATION	LOW
P/S	2.8	3.2
P/CFO	6.0	15.2
P/FCF	10.2	19.7
P/E	8.9	24.0

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Metric	Value	Date	Source
Number of Employees	345	9302025	Link
Assets Under Management	1,030,268,000	9302025	Link
Number of Full-Service Offices	21	10222025	Link
Tier 1 Capital Ratio	9.27%	9302025	Link
Non-performing Assets to Total Assets Ratio	0.11%	9302025	Link
Number of Domestic Locations	23	10312025	Link

Upcoming
4/22/2026	Earnings Release	Rev: - EPS: -

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Fidelity D & D Bancorp (FDBC) stock has remained largely at the same level since 12/31/2025 because of the following key factors:

1. Consistent and Strong Financial Performance in Q4 2025 and Full Year 2025. Fidelity D & D Bancorp reported a net income increase of 36% to $28.2 million and diluted earnings per share (EPS) of $4.86 for the full year 2025, up 35% from 2024. Fourth-quarter 2025 net income was $7.9 million, or $1.37 diluted EPS. Total revenue for 2025 reached $91.66 million, an increase of 15.41% over the prior year. The company also maintained strong asset quality, with non-performing assets at a low 0.08% of total assets as of December 31, 2025. This solid, consistent performance, without significant surprises, likely contributed to the stock's stability, as the positive results were largely anticipated or already priced into the market.

2. Steady and Growing Dividend Payouts. The company continued its practice of regular dividend payments, declaring a quarterly cash dividend of $0.43 per share on January 20, 2026, which was payable on March 10, 2026, to shareholders of record as of February 13, 2026. This represents an annual dividend of $1.72 per share, offering a yield of approximately 4.02%. Fidelity D & D Bancorp has a history of 11 consecutive years of dividend growth, including a 7.68% increase over the past five years. Such a reliable and increasing income stream tends to attract and retain income-focused investors, fostering a stable shareholder base and reducing significant price volatility.

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Stock Movement Drivers

Fundamental Drivers

The 1.2% change in FDBC stock from 12/31/2025 to 4/4/2026 was primarily driven by a 4.3% change in the company's Net Income Margin (%).

(LTM values as of)	12312025	4042026	Change
Stock Price ($)	43.12	43.66	1.2%
Change Contribution By:
Total Revenues ($ Mil)	88	91	3.6%
Net Income Margin (%)	29.6%	30.8%	4.3%
P/E Multiple	9.5	8.9	-6.3%
Shares Outstanding (Mil)	6	6	0.0%
Cumulative Contribution			1.2%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/4/2026

	Return	Correlation
FDBC	1.2%
Market (SPY)	-5.4%	22.0%
Sector (XLF)	-9.6%	25.1%

Fundamental Drivers

The 1.5% change in FDBC stock from 9/30/2025 to 4/4/2026 was primarily driven by a 10.6% change in the company's Net Income Margin (%).

(LTM values as of)	9302025	4042026	Change
Stock Price ($)	43.01	43.66	1.5%
Change Contribution By:
Total Revenues ($ Mil)	85	91	7.5%
Net Income Margin (%)	27.9%	30.8%	10.6%
P/E Multiple	10.5	8.9	-14.6%
Shares Outstanding (Mil)	6	6	0.0%
Cumulative Contribution			1.5%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/4/2026

	Return	Correlation
FDBC	1.5%
Market (SPY)	-2.9%	20.8%
Sector (XLF)	-7.7%	35.8%

Fundamental Drivers

The 9.0% change in FDBC stock from 3/31/2025 to 4/4/2026 was primarily driven by a 18.5% change in the company's Net Income Margin (%).

(LTM values as of)	3312025	4042026	Change
Stock Price ($)	40.07	43.66	9.0%
Change Contribution By:
Total Revenues ($ Mil)	80	91	14.4%
Net Income Margin (%)	26.0%	30.8%	18.5%
P/E Multiple	11.1	8.9	-19.2%
Shares Outstanding (Mil)	6	6	-0.6%
Cumulative Contribution			9.0%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/4/2026

	Return	Correlation
FDBC	9.0%
Market (SPY)	16.3%	32.3%
Sector (XLF)	0.5%	37.6%

Fundamental Drivers

The 5.8% change in FDBC stock from 3/31/2023 to 4/4/2026 was primarily driven by a 15.4% change in the company's P/E Multiple.

(LTM values as of)	3312023	4042026	Change
Stock Price ($)	41.26	43.66	5.8%
Change Contribution By:
Total Revenues ($ Mil)	87	91	4.5%
Net Income Margin (%)	34.3%	30.8%	-10.1%
P/E Multiple	7.7	8.9	15.4%
Shares Outstanding (Mil)	6	6	-2.4%
Cumulative Contribution			5.8%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/4/2026

	Return	Correlation
FDBC	5.8%
Market (SPY)	63.3%	33.8%
Sector (XLF)	60.9%	44.5%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
FDBC Return	-6%	-18%	27%	-13%	-7%	1%	-21%
Peers Return	86%	-16%	12%	16%	14%	5%	142%
S&P 500 Return	27%	-19%	24%	23%	16%	-4%	75%
Monthly Win Rates [3]
FDBC Win Rate	50%	42%	50%	50%	50%	50%
Peers Win Rate	75%	37%	45%	48%	55%	70%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
FDBC Max Drawdown	-24%	-39%	-19%	-27%	-23%	-4%
Peers Max Drawdown	-1%	-26%	-37%	-21%	-16%	-4%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[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 4/2/2026 (YTD)

How Low Can It Go

Unique Key	Event	FDBC	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-47.7%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	91.2%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-49.2%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	96.9%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	210 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-26.6%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	36.2%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	Not Fully Recovered days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-54.4%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	119.3%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	2,860 days	1,480 days

Compare to PFIS, UVSP, MPB, CBU, CUBI

In The Past

Fidelity D & D Bancorp's stock fell -47.7% during the 2022 Inflation Shock from a high on 3/10/2021. A -47.7% loss requires a 91.2% gain to breakeven.

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About Fidelity D & D Bancorp (FDBC)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. The company accepts savings, clubs, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans. In addition, the company provides alternative financial and insurance products with asset management services. As of April 21, 2022, it operated 22 full-service banking offices in Lackawanna, Luzerne, and Northampton counties, Pennsylvania. Fidelity D & D Bancorp, Inc. was founded in 1902 and is headquartered in Dunmore, Pennsylvania.

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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.

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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.

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

Individuals: These customers utilize services such as savings, checking, money market, and time deposits, as well as consumer and residential mortgage loans.
Small Businesses: This category includes smaller enterprises that leverage commercial and industrial, and commercial real estate loans, alongside various banking and financial services.
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.

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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.

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

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.
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.
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.

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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.

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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.

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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:

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.
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.
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.
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.
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.

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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.

Interactive Breakdown

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Better Bets vs. Fidelity D & D Bancorp (FDBC)

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Latest Trefis Analyses

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

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0	ARTICLES

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Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
APLS	Apellis Pharmaceuticals	5.1	129.1%	60.9%
SGML	Sigma Lithium	1.6	48.1%	8.9%
CBIO	Crescent Biopharma	0.6	43.7%	63.6%
TH	Target Hospitality	1.4	43.2%	73.3%
AGX	Argan	8.0	40.0%	83.8%
FNMA	Federal National Mortgage Association Fannie Mae	40.5	39.6%	-35.7%
CAR	Avis Budget	6.7	36.4%	48.4%
IDR	Idaho Strategic Resources	0.5	33.8%	-12.5%
U	Unity Software	9.8	32.8%	-48.5%
YSS	York Space Systems	3.5	32.3%	-16.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
BUR	Burford Capital	0.9	-47.1%	-53.6%
TE	T1 Energy	0.7	-33.3%	-37.3%
VRDN	Viridian Therapeutics	1.8	-33.2%	-39.5%
ORIC	ORIC Pharmaceuticals	0.9	-28.2%	8.7%
PHR	Phreesia	0.5	-28.2%	-50.5%
TNDM	Tandem Diabetes Care	1.3	-20.2%	-15.3%
NXST	Nexstar Media	5.5	-17.9%	-10.5%
SLS	SELLAS Life Sciences	0.6	-16.6%	9.5%
KNF	Knife River	4.2	-15.1%	5.1%
NKE	Nike	65.4	-15.1%	-30.2%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
APLS	Apellis Pharmaceuticals	5.1	103.5%	60.9%
SATL	Satellogic	0.9	100.3%	262.0%
CAR	Avis Budget	6.7	98.9%	48.4%
QURE	uniQure	1.1	89.8%	-28.3%
TNGX	Tango Therapeutics	2.9	75.1%	144.1%
TH	Target Hospitality	1.4	72.4%	73.3%
DOCN	DigitalOcean	8.3	72.2%	87.1%
CBIO	Crescent Biopharma	0.6	68.8%	63.6%
FSLY	Fastly	5.0	67.2%	229.1%
DAWN	Day One Biopharmaceuticals	2.2	66.7%	130.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
BUR	Burford Capital	0.9	-50.5%	-53.6%
WVE	WAVE Life Sciences	1.3	-46.9%	-57.2%
ADMA	ADMA Biologics	2.2	-44.4%	-49.6%
USAS	Americas Gold And Silver	1.5	-41.8%	8.0%
TE	T1 Energy	0.7	-41.0%	-37.3%
BOBS	Bobs Discount Furniture	1.5	-40.8%	-34.1%
FRMI	Fermi	3.2	-40.8%	-33.1%
LMRI	Lumexa Imaging	0.9	-39.8%	-49.5%
MAZE	Maze Therapeutics	1.3	-38.2%	-30.7%
OLMA	Olema Pharmaceuticals	1.4	-38.1%	-39.8%

Peer Comparisons

Peers to compare with:

Financials

	FDBC	PFIS	UVSP	MPB	CBU	CUBI	Median
Name	Fidelity.	Peoples .	Univest .	Mid Penn.	Communit.	Customer.
Mkt Price	43.66	54.62	35.02	32.34	59.44	70.41	49.14
Mkt Cap	0.3	0.5	1.0	0.7	3.1	2.4	0.9
Rev LTM	91	188	328	223	818	801	275
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	25	43	97	72	233	334	84
FCF 3Y Avg	24	33	84	55	222	166	70
CFO LTM	42	54	102	80	302	495	91
CFO 3Y Avg	34	41	89	61	258	255	75

Growth & Margins

	FDBC	PFIS	UVSP	MPB	CBU	CUBI	Median
Name	Fidelity.	Peoples .	Univest .	Mid Penn.	Communit.	Customer.
Rev Chg LTM	14.4%	39.6%	9.6%	25.9%	9.6%	16.6%	15.5%
Rev Chg 3Y Avg	2.5%	22.1%	3.6%	10.1%	6.7%	8.8%	7.7%
Rev Chg Q	15.3%	5.7%	10.1%	30.7%	9.9%	53.8%	12.7%
QoQ Delta Rev Chg LTM	3.6%	1.4%	2.4%	6.9%	2.4%	11.3%	3.0%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	46.3%	28.9%	30.9%	36.0%	36.9%	61.7%	36.4%
CFO/Rev 3Y Avg	41.4%	29.2%	28.8%	32.2%	34.8%	33.2%	32.7%
FCF/Rev LTM	27.2%	23.1%	29.5%	32.3%	28.5%	41.6%	29.0%
FCF/Rev 3Y Avg	29.9%	24.1%	27.2%	29.1%	30.1%	21.5%	28.2%

Valuation

	FDBC	PFIS	UVSP	MPB	CBU	CUBI	Median
Name	Fidelity.	Peoples .	Univest .	Mid Penn.	Communit.	Customer.
Mkt Cap	0.3	0.5	1.0	0.7	3.1	2.4	0.9
P/S	2.8	2.9	3.0	3.4	3.8	3.0	3.0
P/EBIT	-	-	-	-	-	-	-
P/E	8.9	9.2	10.9	13.3	14.9	10.7	10.8
P/CFO	5.9	10.1	9.8	9.3	10.4	4.9	9.6
Total Yield	13.1%	13.1%	11.7%	10.0%	9.8%	9.3%	10.8%
Dividend Yield	1.9%	2.3%	2.6%	2.4%	3.1%	0.0%	2.3%
FCF Yield 3Y Avg	8.6%	7.6%	10.5%	10.3%	7.4%	7.7%	8.1%
D/E	0.1	0.5	0.3	0.1	0.1	0.7	0.2
Net D/E	-1.2	-0.2	-0.2	-0.6	-0.8	-1.9	-0.7

Returns

	FDBC	PFIS	UVSP	MPB	CBU	CUBI	Median
Name	Fidelity.	Peoples .	Univest .	Mid Penn.	Communit.	Customer.
1M Rtn	0.3%	2.1%	4.0%	0.7%	-0.1%	2.9%	1.4%
3M Rtn	2.1%	14.6%	9.2%	5.6%	3.2%	-5.5%	4.4%
6M Rtn	2.0%	16.7%	19.0%	13.9%	2.8%	9.2%	11.6%
12M Rtn	9.6%	38.6%	38.7%	37.5%	19.0%	62.0%	38.0%
3Y Rtn	7.2%	49.8%	72.4%	44.5%	33.3%	318.1%	47.2%
1M Excs Rtn	0.7%	4.1%	6.3%	2.8%	2.3%	4.4%	3.5%
3M Excs Rtn	5.1%	17.2%	11.5%	8.9%	8.2%	0.1%	8.5%
6M Excs Rtn	4.0%	18.4%	21.4%	16.1%	5.6%	11.1%	13.6%
12M Excs Rtn	-11.0%	11.6%	8.6%	12.7%	-8.9%	21.8%	10.1%
3Y Excs Rtn	-62.8%	-23.2%	-3.8%	-27.5%	-42.2%	217.7%	-25.3%

FDIC Bank Data

Bank Capital

null

Bank Deposits

null

Bank Assets

null

Bank Loans

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	ONTRALFY	tizanidine hydrochloride	solution	12122024	-21.9%	-21.4%	-6.2%	-15.2%	-15.2%

	Post-Approval Fwd Returns
NDA216190	ONTRALFY	tizanidine hydrochloride	solution	12122024	-21.9%	-21.4%	-6.2%	-15.2%	-15.2%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	3/13/2026	3/13/2026	3/13/2025	3/20/2024	3/20/2023	3/23/2022	3/19/2021
Key Financials
Total Revenue	91	91	80	73	87	76	55
Net Income	28	28	21	18	30	24	13
EPS	4.89	4.89	3.63	3.21	5.32	4.51	2.84
Growth Rates
Total Revenue Growth	14.4%	14.4%	9.8%	-16.8%	14.9%	37.4%	34.9%
Net Income Growth	35.6%	35.6%	14.2%	-39.3%	25.0%	84.2%	12.6%
Margins
Net Income Margin	30.8%	30.8%	26.0%	25.0%	34.3%	31.5%	23.5%
Cash & Debt
Total Cash	324	324	415	456	450	836	462
Total Debt	17	17	17	134	31	22	13
Net Debt / (Cash)	-307	-307	-398	-322	-419	-814	-449
Cash Flows
Net Cash from Operations	42	42	30	30	49	7	0
Free Cash from Operations	25	25	25	23	44	5	-1
Returns to Shareholders
Dividends	9	9	9	7	8	7	5
Share Repurchases	0	0	0	0	1	-0	-0

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	3/13/2026	11/7/2025	8/8/2025	5/9/2025	3/13/2025	11/12/2024	8/12/2024	5/14/2024	3/20/2024	11/13/2023	8/11/2023	5/12/2023
Key Financials Quarterly
Total Revenue	24	23	23	21	21	20	19	19	13	19	20	21
Net Income	8	7	7	6	6	5	5	5	0	5	5	7
EPS	1.38	1.27	1.20	1.04	1.02	0.87	0.86	0.88	0.08	0.94	0.95	1.25
Key Financials TTM
Total Revenue TTM	91	88	85	82	80	72	70	71	73	82	86	88
Net Income TTM	28	26	24	22	21	15	16	16	18	25	27	30
Growth Rates Quarterly
Total Revenue Growth	15.3%	15.6%	18.0%	8.5%	64.3%	7.7%	-2.3%	-9.6%	-42.2%	-15.8%	-9.0%	0.3%
Net Income Growth	36.1%	47.9%	40.2%	18.5%	1146.6%	-7.0%	-8.0%	-28.2%	-93.5%	-30.6%	-30.0%	-6.4%
Margins Quarterly
Net Income Margin	32.9%	31.5%	30.1%	28.6%	27.9%	24.6%	25.3%	26.2%	3.7%	28.5%	26.9%	33.0%
Cash & Debt
Total Cash	324	320	358	398	415	455	406	407	456	463	450	454
Total Debt	17	17	17	17	17	42	116	43	134	142	94	107
Net Debt / (Cash)	-307	-303	-341	-380	-398	-412	-289	-364	-322	-322	-357	-348
Cash Flows Quarterly
FCF from Operations	10	8	13	12	6	9	9	5	8	6	8	7
Cash Flows TTM
FCF from Operations TTM	42	39	40	36	30	31	29	28	30	31	37	38
Returns to Shareholders Quarterly
Dividends	2	2	2	2	2	2	2	2	2	2	2	2
Share Repurchases	0	-0	-0	0	-0	-0	-0	0	-0	0	0	0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Single Segment	80	73	87	76	55
Total	80	73	87	76	55

Price Behavior

Price Behavior

Market Price	$43.66
Market Cap ($ Bil)	0.3
First Trading Date	02/23/2007
Distance from 52W High	-11.4%
	50 Days	200 Days
DMA Price	$44.54	$43.52
DMA Trend	up	indeterminate
Distance from DMA	-2.0%	0.3%
	3M	1YR
Volatility	30.6%	37.0%
Downside Capture	0.25	0.63
Upside Capture	71.88	85.69
Correlation (SPY)	21.6%	28.9%

FDBC Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.86	0.51	0.54	0.52	0.65	0.87
Up Beta	1.26	-0.49	0.75	0.80	0.59	0.79
Down Beta	0.14	-0.05	0.34	0.70	0.40	0.73
Up Capture	164%	110%	64%	37%	77%	78%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	11	22	30	60	115	348
Down Capture	81%	72%	57%	38%	96%	102%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	10	19	32	65	136	397

[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
FDBC	5.9%	37.7%	0.23	-
Sector ETF (XLF)	0.6%	19.2%	-0.09	37.8%
Equity (SPY)	16.1%	19.0%	0.67	32.3%
Gold (GLD)	50.5%	28.0%	1.46	-11.5%
Commodities (DBC)	16.2%	17.7%	0.77	-1.4%
Real Estate (VNQ)	3.6%	16.5%	0.04	38.8%
Bitcoin (BTCUSD)	-21.5%	44.0%	-0.42	12.3%

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
FDBC	-3.8%	36.4%	-0.02	-
Sector ETF (XLF)	9.4%	18.7%	0.39	37.5%
Equity (SPY)	11.6%	17.0%	0.53	31.6%
Gold (GLD)	21.7%	17.8%	1.00	-0.8%
Commodities (DBC)	11.6%	18.8%	0.51	3.8%
Real Estate (VNQ)	3.3%	18.8%	0.08	32.0%
Bitcoin (BTCUSD)	3.9%	56.5%	0.29	14.5%

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
FDBC	4.6%	45.3%	0.28	-
Sector ETF (XLF)	12.6%	22.2%	0.52	41.6%
Equity (SPY)	14.0%	17.9%	0.67	37.9%
Gold (GLD)	14.0%	15.9%	0.73	-0.1%
Commodities (DBC)	8.4%	17.6%	0.40	13.6%
Real Estate (VNQ)	5.2%	20.7%	0.22	36.3%
Bitcoin (BTCUSD)	66.2%	66.8%	1.06	10.9%

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

Short Interest

Short Interest: As Of Date	3132026
Short Interest: Shares Quantity	0.0 Mil
Short Interest: % Change Since 2282026	37.8%
Average Daily Volume	0.0 Mil
Days-to-Cover Short Interest	4.4 days
Basic Shares Quantity	5.8 Mil
Short % of Basic Shares	0.5%

Returns Analyses

	Title
0	How Low Can Fidelity D & D Bancorp Stock Really Go?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
1/28/2026	3.5%	10.8%	3.6%
10/22/2025	2.7%	1.6%	-1.6%
7/23/2025	4.3%	-5.1%	-2.0%
4/23/2025	-2.2%	2.7%	3.1%
1/29/2025	1.5%	5.0%	3.0%
10/23/2024	1.9%	5.1%	6.2%
7/24/2024	-2.5%	-5.9%	-16.1%
4/24/2024	-2.9%	-1.6%	-2.5%
...
SUMMARY STATS
# Positive	16	16	12
# Negative	8	8	12
Median Positive	2.0%	3.7%	5.0%
Median Negative	-2.3%	-4.1%	-2.8%
Max Positive	7.6%	13.3%	28.4%
Max Negative	-5.7%	-9.2%	-16.1%

	Forward Returns
1/28/2026	3.5%	10.8%	3.6%
10/22/2025	2.7%	1.6%	-1.6%
7/23/2025	4.3%	-5.1%	-2.0%
4/23/2025	-2.2%	2.7%	3.1%
1/29/2025	1.5%	5.0%	3.0%
10/23/2024	1.9%	5.1%	6.2%
7/24/2024	-2.5%	-5.9%	-16.1%
4/24/2024	-2.9%	-1.6%	-2.5%
1/25/2024	1.4%	-2.2%	-3.5%
10/25/2023	0.9%	3.2%	18.0%
7/26/2023	1.5%	0.6%	-5.3%
4/21/2023	-0.2%	-3.9%	-10.2%
1/25/2023	-0.8%	4.3%	7.1%
10/26/2022	0.9%	2.1%	5.2%
7/27/2022	7.6%	7.8%	4.7%
4/27/2022	-2.8%	-2.2%	-2.2%
1/26/2022	1.8%	1.7%	-3.9%
10/27/2021	2.1%	13.3%	5.7%
7/28/2021	-1.7%	1.5%	2.0%
4/28/2021	0.5%	1.9%	2.0%
1/27/2021	-5.7%	-4.3%	-2.7%
10/28/2020	2.4%	12.2%	28.4%
7/31/2020	2.7%	5.1%	-0.4%
4/29/2020	3.0%	-9.2%	-2.9%
SUMMARY STATS
# Positive	16	16	12
# Negative	8	8	12
Median Positive	2.0%	3.7%	5.0%
Median Negative	-2.3%	-4.1%	-2.8%
Max Positive	7.6%	13.3%	28.4%
Max Negative	-5.7%	-9.2%	-16.1%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
12/31/2025	03/13/2026	10-K
09/30/2025	11/07/2025	10-Q
06/30/2025	08/08/2025	10-Q
03/31/2025	05/09/2025	10-Q
12/31/2024	03/13/2025	10-K
09/30/2024	11/12/2024	10-Q
06/30/2024	08/12/2024	10-Q
03/31/2024	05/14/2024	10-Q
12/31/2023	03/20/2024	10-K
09/30/2023	11/13/2023	10-Q
06/30/2023	08/11/2023	10-Q
03/31/2023	05/12/2023	10-Q
12/31/2022	03/20/2023	10-K
09/30/2022	11/10/2022	10-Q
06/30/2022	08/15/2022	10-Q
03/31/2022	05/12/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 1/28/2026

null

Prior: Q3 2025 Earnings Reported 10/22/2025

null

Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Cali, Brian J	Chairman of the Board	Direct	Buy	12112025	0.00	300			Form
2	Joyce, William J Sr		Direct	Buy	11102025	44.50	1,000	44,500	820,405	Form
3	Santaniello, Daniel J	President & CEO	Direct	Buy	11102025	44.50	1,000	44,500	2,688,283	Form
4	Cali, Brian J	Chairman of the Board	Direct	Buy	11102025	44.50	1,951	86,820	18,590,831	Form
5	Cali, Brian J	Chairman of the Board	Direct	Buy	9102025	42.25	276	11,661	17,430,756	Form

FDBC Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

null

Diversification Alternatives

How Is The Market Pricing FDBC?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What FDBC Makes & Who Pays

TTM figures based on

FDBC Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Fidelity D & D Bancorp (FDBC)

Market Price (4/5/2026): $43.74 | Market Cap: $252.3 MilSector: Financials | Industry: Regional Banks

Fidelity D & D Bancorp (FDBC)

Market Price (4/5/2026): $43.74Market Cap: $252.3 MilSector: FinancialsIndustry: Regional Banks

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

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Fidelity D & D Bancorp (FDBC)

Banking Services (Deposits)

Commercial and Industrial & Commercial Real Estate Loans

Residential Mortgage Loans

Consumer Loans

Trust and Financial Services & Asset Management Services

Interactive Breakdown

Better Bets vs. Fidelity D & D Bancorp (FDBC)

Latest Trefis Analyses

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Recent Active Movers

Top Gainers

Top Losers

Top Gainers

Top Losers

Top Gainers

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Peer Comparisons

Financials

Growth & Margins

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Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

FDBC Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

Market Price (4/5/2026): $43.74 | Market Cap: $252.3 Mil
Sector: Financials | Industry: Regional Banks

Market Price (4/5/2026): $43.74
Market Cap: $252.3 Mil
Sector: Financials
Industry: Regional Banks