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what it is
Fidelity D&D Bancorp runs a Pennsylvania community bank that takes deposits, makes loans, and sells trust and insurance services.
how it gets paid
Last year Fidelity D&D Bancorp made $120M in revenue. Commercial and mortgage lending was the main engine at $82M, or 68% of sales.
why it's growing
Revenue grew 12.0% last year. EDGAR shows revenue up 189% vs. prior year and EPS up 176%.
what just happened
FDBC posted $89M of revenue and $3.50 EPS in the latest quarter.
At a glance
B+ balance sheet — decent shape, but not bulletproof
60/100 earnings predictability — reasonably predictable
9.8x trailing p/e — the market's not buying it — or you found a deal
4.0% dividend yield — cash in your pocket every quarter
$3.60 fy2024 eps est
xvary composite: 57/100 — below average
What they do
Fidelity D&D Bancorp runs a Pennsylvania community bank that takes deposits, makes loans, and sells trust and insurance services.
It has 21 full-service offices across 4 Pennsylvania counties. That makes switching annoying, which is the whole trick. You also get 320 employees and only $7M of long-term debt, or 3% of capital.
How they make money
$120M
annual revenue · their business grew +12.0% last year
Commercial and mortgage lending
$82M
Deposit service charges
$12M
Trust and wealth fees
$10M
Insurance and asset management
$8M
Other banking fees
$8M
The products that matter
business loans and deposits
Commercial Banking
core earnings engine
This is where the bank earns its keep. If 2025's $28.2M net income holds, commercial lending and deposit discipline probably did the heavy lifting.
profit driver
personal loans and deposits
Consumer Banking
deposit base support
Consumer deposits are not glamorous. They are useful. In a small bank, stable funding matters because it helps protect the spread that supports the 4.0% yield.
funding base
fee-based client services
Trust Services
part of the ~25% fee mix
Fee income looks like the smaller side business here. Roughly 25% of revenue is not nothing. It is also not enough to carry the bank if lending spreads cool off.
smaller side business
Key numbers
$44.0
share price
You pay $44 per share. That is the sticker before the 4.0% yield hands you cash.
9.8x
trailing p/e
You are paying 9.8 times last year's earnings. That is cheaper than many banks trading in the teens.
4.0%
dividend yield
You get $4 a year for every $100 invested. That is the main reason this stock sits in income portfolios.
$120M
annual revenue
The bank pulled in $120M last year. For 21 offices, that is a serious local franchise.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 50 / 100
- long-term debt $7M (3% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FDBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
FDBC posted $89M of revenue and $3.50 EPS in the latest quarter.
EDGAR shows revenue up 189% vs. prior year and EPS up 176%. Banks can move fast when rates and loan mix cooperate.
$89M
revenue
$3.50
eps
n/a
n/a
revenue jump
The $89M revenue print mattered because it was 189% above last year. That tells you the bank had a much better spread and volume setup.
source: company earnings report, 2026
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What could go wrong
the #1 risk here is a plain-vanilla regional bank earning most of its money from spread income in a market that offers very little room for mistakes.
med
deposit and loan competition
There is no moat here. The bank competes on rates and relationships, and the stock's 1.5% three-year return versus 69% for comparable banks says investors have not seen enough separation.
If pricing gets tighter on both sides of the balance sheet, loan yields and funding costs squeeze the same profit pool.
med
rate-spread sensitivity
Roughly 75% of the revenue mix appears tied to net interest income. In human-speak: most of the business still runs on the spread between what it earns and what it pays.
If that spread narrows, the 36% profit jump from 2025 gets much harder to repeat.
low
limited fee-income cushion
Non-interest income looks roughly flat and makes up about 25% of the mix. That helps. It does not give you much insulation if lending economics weaken.
If the spread cools, there is less secondary revenue to keep earnings and the dividend feeling safe.
roughly 75% of the revenue mix comes from net interest income. That concentration is why a good year can look great and why a margin squeeze can undo the story fast.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
q1 2026 earnings report
Scheduled for April 22, 2026. You want to know whether the better earnings level survives the next print.
metric
net interest income trend
It appears to be about 75% of the revenue mix and was up 18.5%. If that cools quickly, the main engine is cooling too.
risk
dividend support
The next quarterly payment is $0.43 per share on March 10, 2026, after a 7.5% increase. Nice signal. You still want earnings behind it.
trend
valuation versus trust gap
At 9.8x earnings and a 4.0% yield, the stock looks cheap. A 1.5% three-year return says investors are still waiting for proof.
Analyst rankings
earnings predictability
60 / 100
in human-speak, the business is readable but the quarter-to-quarter path still deserves respect.
valuation
9.8x
You're paying $9.80 for every $1 the bank earned over the last year. Cheap, yes. Automatically mispriced, no.
balance sheet grade
B+
Solid enough to support the story. Not strong enough to be the story.
source: institutional data
Institutional activity
institutional ownership data for FDBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$44
current price
n/a
target midpoint · n/a from current
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