Stocks · Financial Services · Banks - Regional
Fidelity D & D Bancorp, Inc. FDBC
$55.32 +2.10% Close, Oct 2, 2026 · NASDAQ · Market cap $321.1M
High qualityStrong trendInexpensive vs sector
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 117 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $5.25, up 28.0% year over year.
- Revenue over the last four quarters was $144.6M, up 9.8% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 39%
- EPS growth (TTM, YoY)Top 39%
- FCF growth (TTM, YoY)Bottom 35%
- Revenue growth, 3-year CAGRBottom 49%
- Revenue growth accelerationBottom 36%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 22%
- Gross marginTop 47%
- Operating marginTop 41%
- Cash conversion (OCF / net income)Top 29%
- Accruals (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 10%
- Interest coverBottom 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 20%
- Free-cash-flow yieldTop 35%
- EBITDA / enterprise valueTop 10%
- Sales / enterprise valueTop 20%
- P/E vs own 5-year history (lower is better)Top 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 30%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 24%
- Distance from 52-week highTop 13%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 34%
- Maximum drawdown, 3 yearsBottom 29%
- Beta vs S&P 500 (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 10%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.7% | 9.8% | ↓ |
| EPS growth (YoY) | 36.2% | 28.0% | ↓ |
| Gross margin | 64.5% | 66.7% | ↑ |
| Operating margin | 21.1% | 24.7% | ↑ |
| FCF margin | 24.3% | 22.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.8% | 11.7% | ↓ | Top 39% |
| EPS growth (TTM, YoY) | 28.0% | 36.2% | ↓ | Top 39% |
| Gross margin | 66.7% | 64.5% | ↑ | Top 47% |
| Operating margin | 24.7% | 21.1% | ↑ | Top 41% |
| Net margin | 21.2% | 18.0% | ↑ | — |
| Free-cash-flow margin | 22.7% | 24.3% | ↓ | — |
| Return on invested capital | 7.4% | — | Top 22% | |
| Revenue growth, 3-year CAGR | 14.4% | — | Bottom 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.53×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -78.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2.08×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.02%
- Net buyback yield (TTM)
- -0.02%
- Shareholder yield
- 3.00%
- Share count change, 1 year
- +2.5%
- Share count change, 3-year CAGR
- +1.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | — | -0.1% | +3.2% | +7.4% | — |
| Apr 22, 2026 | — | +0.3% | +0.4% | -0.4% | +15.4% |
| Jan 28, 2026 | — | -2.2% | +8.4% | +5.7% | +5.6% |
| Oct 22, 2025 | — | +2.7% | +1.6% | -0.4% | +0.8% |
| Jul 23, 2025 | — | +4.3% | -5.1% | -5.6% | -3.5% |
| Apr 23, 2025 | — | -0.2% | -0.6% | +6.3% | +10.9% |
| Jan 29, 2025 | — | -1.5% | +1.1% | -1.3% | -13.6% |
| Oct 23, 2024 | — | +1.9% | +5.1% | +6.9% | -11.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.33 | — | — | $37.2M |
| Apr 22, 2026 | $1.28 | — | — | $35.6M |
| Jan 28, 2026 | $1.37 | — | — | $36.2M |
| Oct 22, 2025 | $1.27 | — | — | $35.6M |
| Jul 23, 2025 | $1.20 | — | — | $1,280 |
| Apr 23, 2025 | $1.03 | — | — | $32.2M |
| Jan 29, 2025 | $1.01 | — | — | $21.0M |
| Oct 23, 2024 | $0.86 | — | — | $20.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 10.5× | 52th | Top 20% |
| EV / EBITDA | 6.0× | — | — | Top 10% |
| EV / Sales | 1.65× | — | — | Top 20% |
| Free-cash-flow yield | 10.23% | — | — | Top 35% |
| Earnings yield | 9.49% | — | — | Top 20% |
P/E over the past five years
Range 7.6× – 21.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +26.9%
- Earnings per share growth (TTM)
- +28.0%
- Change in P/E multiple
- +5.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 108
- Days above the 200-day average
- 117
- 50-day average slope (20 days)
- +2.6%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- +2.0%
- Distance from 200-day average
- +14.7%
- RSI (14)
- 53.5
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.7%
- Volatility vs own 5-year history
- 11th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.64
- Correlation with S&P 500
- 0.30
- Current drawdown from 1-year high
- -2.5%
- Maximum drawdown, 3 years
- -37.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 17, 2020 | May 20, 2022 | -48.3% | 358 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $321.1M
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $5.25
- Revenue (TTM)
- $144.6M
- Dividend yield
- 3.11%
- 52-week range
- $39.87 – $56.90
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $79.8M | $93.9M | $104.6M | $125.1M | $140.4M |
| Gross profit | $78.3M | $87.0M | $72.3M | $79.4M | $92.0M |
| Operating income | $28.0M | $35.5M | $20.3M | $23.9M | $33.1M |
| Net income | $24.0M | $30.0M | $18.2M | $20.8M | $28.2M |
| EPS (diluted) | $4.48 | $5.29 | $3.19 | $3.60 | $4.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $32.0M | $32.7M | $32.2M | $34.8M | $35.6M | $36.2M | $35.6M | $37.2M |
| Net income | $5.0M | $5.8M | $6.0M | $6.9M | $7.3M | $7.9M | $7.5M | $7.8M |
| EPS (diluted) | $0.86 | $1.01 | $1.03 | $1.20 | $1.27 | $1.37 | $1.28 | $1.33 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.2M | $49.4M | $29.7M | $29.6M | $42.4M |
| Capital expenditure | -$2.5M | -$5.5M | -$7.0M | -$4.7M | -$17.5M |
| Free cash flow | $4.7M | $43.9M | $22.7M | $24.9M | $24.8M |
| Dividends paid | -$6.6M | -$7.7M | -$6.8M | -$8.8M | -$9.4M |
| Net share buybacks | $0 | -$1.3M | -$239,000 | $201,000 | $127,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $716.7M
- Total assets
- $2.97B
- Total liabilities
- $2.72B
- Total debt
- $124.6M
- Net debt
- -$83.1M
- Shareholders’ equity
- $252.9M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.43 | Sep 10, 2026 |
| May 20, 2026 | $0.43 | Jun 10, 2026 |
| Feb 13, 2026 | $0.43 | Mar 10, 2026 |
| Nov 14, 2025 | $0.43 | Dec 10, 2025 |
| Aug 15, 2025 | $0.40 | Sep 10, 2025 |
| May 20, 2025 | $0.40 | Jun 10, 2025 |
| Feb 14, 2025 | $0.40 | Mar 10, 2025 |
| Nov 15, 2024 | $0.40 | Dec 10, 2024 |
Short interest
- Shares sold short
- 50,382
- Days to cover
- 5.84
- Change vs previous report
- +9.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 29, 2017
- 3-for-2
- Jan 26, 2006
- 11-for-10
- Jul 13, 2000
- 2-for-1
- Jun 11, 1997
- 2-for-1