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Fidelity D&D Bancorp Inc

Fidelity D&D Bancorp Inc

FDBC · NASDAQ · Financial Services / Banks - Regional

67.25USD+0.19 (+0.28%)

Price History

Full chart

Market Stats

Previous Close67.06
Open67.50
Day Range66.66 – 67.78
52-Week Range38.45 – 56.90
Volume10.90K
Market Cap323.77M
P/E (TTM)10.62
Forward P/E0.00
EPS5.25
Dividend Yield3.14%
Beta0.82
50-Day Avg53.84
200-Day Avg47.98

About

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, club, 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 government and healthcare banking services, cash management and merchant services, and credit and debit cards; and alternative financial and insurance products with asset management services, as well as online banking, telephone banking, and digital wallet. The company was founded in 1902 and is headquartered in Dunmore, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Daniel J. Santaniello
  • Employees298
  • HeadquartersBlakely And Drinker Streets, Dunmore, PA, United States, 18512, USA
  • Websitehttps://www.bankatfidelity.com

Leadership

  • Mr. Daniel J. SantanielloPresident, CEO & Director · b. 1966
  • Mr. Salvatore R. DeFrancesco Jr., CPA, CGMAExecutive VP, Treasurer & CFO · b. 1970
  • Mr. John T. CognettiSecretary & Independent Director · b. 1950
  • Mr. William Fennie III, C.F.A.VP & Investment Officer
  • Mr. Adam D. BonannoExecutive VP & Chief Information Officer · b. 1978
  • Mr. John PashInvestor Relations Officer
  • Mr. William P. McAndrewSenior VP & Wealth Advisor
  • Ms. Rose Ungaro CiulloSenior Vice President & Human Resources Director - Fidelity Deposit and Discount Bank
  • Mr. Peter A. GrayExecutive VP, Chief Lending Officer & Market President · b. 1965

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue38.03M40.08M37.87M32.65M31.55M33.17M38.05M40.48M38.98M35.37M20.52M30.51M29.90M33.00M31.59M32.38M34.50M38.72M43.90M48.62M60.70M79.77M93.89M104.56M125.08M140.40M
Growth (%)-+5.41%-5.52%-13.80%-3.36%+5.14%+14.72%+6.39%-3.73%-9.25%-41.98%+48.64%-2.00%+10.39%-4.27%+2.50%+6.53%+12.24%+13.39%+10.74%+24.85%+31.41%+17.70%+11.37%+19.62%+12.25%
Cost of Revenue22.63M23.33M19.55M17.95M13.33M12.55M16.69M17.60M15.62M15.85M8.11M5.76M4.84M4.12M3.33M2.41M2.37M3.79M5.68M7.78M6.96M1.47M6.86M32.22M45.65M48.44M
Gross Profit15.40M16.75M18.32M14.69M18.22M20.62M21.37M22.82M23.35M19.52M12.41M24.74M25.06M28.89M28.26M29.97M32.12M34.92M38.23M40.84M53.74M78.30M87.02M72.34M79.42M91.96M
Gross Margin40.50%41.80%48.39%45.01%57.75%62.16%56.15%56.38%59.91%55.20%60.46%81.11%83.82%87.53%89.45%92.55%93.12%90.20%87.07%83.99%88.54%98.16%92.69%69.19%63.50%65.50%
Operating Expense11.63M12.00M12.75M12.90M13.82M14.56M15.88M16.58M18.65M22.54M18.17M18.05M18.60M19.13M19.74M21.05M21.66M25.00M25.09M26.93M38.46M50.29M51.56M52.09M55.54M58.82M
Operating Income3.77M4.75M5.57M1.79M4.40M6.06M5.49M6.25M4.70M-3.02M-5.76M6.69M6.46M9.76M8.52M8.92M10.46M9.92M13.13M13.90M15.28M28.01M35.47M20.26M23.88M33.14M
Operating Margin9.90%11.86%14.71%5.48%13.95%18.26%14.42%15.43%12.07%-8.53%-28.07%21.93%21.61%29.56%26.96%27.55%30.33%25.63%29.92%28.59%25.18%35.11%37.78%19.37%19.10%23.61%
EBITDA4.76M5.86M7.10M4.94M6.26M7.55M6.84M7.38M5.32M-1.41M-3.43M9.93M9.95M13.09M11.70M12.49M13.76M13.04M16.16M17.20M19.82M33.43M40.72M25.96M29.54M38.64M
EBITDA Margin12.52%14.61%18.75%15.13%19.83%22.77%17.97%18.22%13.64%-4.00%-16.73%32.56%33.28%39.66%37.02%38.56%39.90%33.67%36.82%35.38%32.66%41.91%43.37%24.83%23.62%27.52%
Net Income3.18M3.85M4.05M1.64M3.36M4.59M4.13M4.61M3.64M-1.40M-3.20M5.04M4.90M7.12M6.35M7.10M7.69M8.72M11.01M11.58M13.04M24.01M30.02M18.21M20.79M28.20M
Net Income Margin8.37%9.60%10.68%5.03%10.66%13.84%10.84%11.39%9.33%-3.96%-15.61%16.54%16.40%21.58%20.11%21.93%22.30%22.51%25.07%23.81%21.47%30.10%31.98%17.42%16.63%20.08%
R&D-----------00000000-------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense21.47M20.85M17.88M14.24M11.18M11.72M16.36M17.66M14.68M10.80M6.83M4.76M3.35M2.97M2.92M2.53M2.36M3.22M4.87M7.55M5.31M3.64M6.40M31.79M45.16M47.17M
Interest Expense % of Total Revenue56.46%52.03%47.22%43.61%35.44%35.34%43.00%43.62%37.68%30.53%33.27%15.61%11.22%8.99%9.23%7.81%6.84%8.32%11.10%15.54%8.75%4.56%6.81%30.40%36.10%33.60%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets491.74M569.03M577.99M575.22M536.67M544.06M562.32M587.41M575.72M556.02M561.67M606.74M601.92M623.83M676.49M729.36M792.94M863.64M981.10M1.01B1.70B2.42B2.38B2.50B2.58B2.75B
Total Liabilities454.22M528.86M532.75M531.28M490.31M495.21M510.71M532.22M526.76M510.34M514.90M553.12M542.58M557.76M604.27M653.01M712.31M776.25M887.54M903.09M1.53B2.21B2.22B2.31B2.38B2.51B
Total Equity37.52M40.17M45.23M43.93M46.37M48.85M51.61M55.19M48.96M45.67M46.77M53.62M59.34M66.06M72.22M76.35M80.63M87.38M93.56M106.83M166.67M211.73M162.95M189.48M203.97M238.86M
Cash8.78M25.64M26.22M19.23M10.22M12.60M13.80M10.41M12.77M8.33M22.97M52.16M21.85M13.22M25.85M12.28M25.84M15.82M17.48M15.66M69.35M96.88M29.09M111.95M83.35M148.06M
Total Debt111.03M117.48M114.21M126.63M121.65M112.48M96.19M102.36M90.13M48.53M29.55M40.01M32.11M24.64M13.97M28.20M4.22M39.71M108.07M59.68M12.94M12.25M31.03M134.12M16.99M16.87M
Net Debt102.25M91.84M87.99M107.40M111.44M99.88M82.39M91.96M77.36M40.20M6.58M-12.15M10.27M11.42M-11.88M15.93M-21.62M23.88M90.58M44.02M-56.41M-86.26M1.94M22.17M-66.36M-131.19M

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.03M6.79M7.58M17.80M13.49M6.70M5.87M4.56M35.79M11.79M14.39M15.08M4.54M23.06M7.90M15.72M15.86M13.89M13.65M25.79M296.00K7.20M49.43M29.69M29.56M42.36M
Investing Cash Flow-51.46M-63.89M-8.24M-23.39M19.34M-7.93M-18.02M-28.09M-26.43M947.01K-3.14M-19.27M-26.33M-46.19M-39.93M-74.62M-58.16M-69.84M-117.12M-34.00M-164.24M-303.24M-115.39M-35.27M-113.59M-95.25M
Financing Cash Flow37.26M73.97M1.23M-1.39M-41.85M3.61M13.36M20.13M-7.00M-17.18M3.39M33.39M-8.53M14.50M44.67M45.33M55.87M45.94M105.13M6.39M217.63M323.57M-1.82M88.44M55.43M117.60M
Capital Expenditure2.93M1.22M2.54M620.51K278.34K639.22K1.72M2.49M3.95M1.07M880.00K418.00K1.98M1.04M2.97M1.60M1.48M921.00K3.57M4.13M1.39M2.52M5.51M6.95M4.66M17.54M
Free Cash Flow2.10M5.56M5.04M17.18M13.22M6.06M4.15M2.08M31.84M10.73M13.51M14.67M2.56M22.02M4.93M14.13M14.38M12.97M10.08M21.66M-1.09M4.68M43.91M22.74M24.90M24.82M
Dividends Paid1.17M1.01M1.05M1.08M1.11M1.13M1.23M1.48M2.00M1.25M1.45M1.48M1.49M1.60M2.09M2.84M3.06M2.95M3.40M4.04M5.38M6.61M7.71M6.75M8.85M9.40M
FCF to OCF41.73%81.96%66.46%96.51%97.94%90.46%70.66%45.50%88.96%90.94%93.88%97.23%56.45%95.50%62.40%89.85%90.69%93.37%73.83%83.99%-369.59%65.00%88.84%76.58%84.23%58.60%
Dividend Paid to FCF55.90%18.08%20.78%6.30%8.40%18.70%29.71%71.49%6.27%11.70%10.76%10.08%58.21%7.25%42.37%20.13%21.28%22.78%33.71%18.64%-491.59%141.23%17.56%29.69%35.54%37.88%

Earnings

Report DateMar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Oct 26, 2011Feb 1, 2012Apr 26, 2012Jul 27, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Oct 30, 2013Feb 5, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017May 9, 2017Aug 8, 2017Nov 8, 2017Mar 15, 2018May 8, 2018Jul 25, 2018Oct 24, 2018Jan 30, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 29, 2020Apr 29, 2020Aug 10, 2020Nov 6, 2020Jan 27, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 21, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 29, 2025Apr 23, 2025Jul 23, 2025Oct 29, 2025Dec 31, 2025Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate---------------------------------------------------------------------------------------------------------
EPS Actual0.270.310.340.290.140.320.360.380.310.360.370.310.30-0.280.210.300.270.330.340.380.420.370.340.300.340.360.340.370.380.390.350.390.230.200.270.29-1.030.030.180.23-1.490.370.390.390.360.370.380.410.270.400.430.430.760.400.450.450.440.430.490.530.490.460.520.550.550.530.530.590.600.330.670.730.750.750.730.790.800.710.690.051.001.031.131.130.851.371.321.351.361.271.240.940.930.080.880.860.861.011.031.201.271.371.281.33-
Surprise---------------------------------------------------------------------------------------------------------
Timing--------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hours----Pre-marketPre-market-------------------------------Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-market-

Key Statistics & Ratios

Market Cap323.77M
Enterprise Value251.52M
Trailing P/E10.62
Forward P/E0.00
PEG Ratio0.00
Price / Sales3.35
Price / Book1.24
EPS5.25
Book Value43.54
Revenue (TTM)96.51M
Gross Profit (TTM)96.51M
Profit Margin31.70%
Operating Margin38.61%
Return on Equity13.00%
Return on Assets1.08%
Shares Outstanding5.81M
Shares Float4.44M
Beta0.82
Dividend Yield3.14%
Dividend Rate1.72
Payout Ratio32.79%

Ownership Breakdown

Institutions
26.35%
Insiders
21.27%
Retail / Other
52.38%

Top Institutional Holders

  • BlackRock Inc
    302.45K5.21%
  • Vanguard Capital Management, LLC
    194.70K3.35%
  • Geode Capital Management, LLC
    113.14K1.95%
  • Fidelity D & D Bancorp Inc
    94.96K1.63%
  • State Street Corp
    75.53K1.30%
  • Siena Capital Management, LLC
    45.28K0.78%
  • Creative Planning Inc
    41.10K0.71%
  • LIBERTY SQUARE WEALTH PARTNERS LLC
    36.24K0.62%
  • The Goldman Sachs Group Inc
    35.81K0.62%
  • Northern Trust Corp
    35.12K0.60%
  • Commonwealth Equity Services, LLC
    32.19K0.55%
  • Bank of New York Mellon Corp
    29.57K0.51%
  • Vanguard Fiduciary Trust Co
    29.56K0.51%
  • Quantinno Capital Management LP
    28.43K0.49%
  • Vanguard Portfolio Management, LLC
    27.51K0.47%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    136.09K2.34%
  • iShares Russell 2000 ETF
    126.72K2.18%
  • Fidelity Small Cap Index
    52.62K0.91%
  • iShares Russell 2000 Value ETF
    48.52K0.84%
  • BSF Systematic US Eq Abs Ret A2 USD
    32.89K0.57%

Dividends

20264×
0.46Nov 13, 20260.43Aug 14, 20260.43May 20, 20260.43Feb 13, 2026
20254×
0.43Nov 14, 20250.40Aug 15, 20250.40May 20, 20250.40Feb 14, 2025
20244×
0.40Nov 15, 20240.38Aug 20, 20240.38May 17, 20240.38Feb 15, 2024
20234×
0.38Nov 16, 20230.36Aug 17, 20230.36May 18, 20230.36Feb 16, 2023
20224×
0.36Nov 17, 20220.33Aug 18, 20220.33May 19, 20220.33Feb 16, 2022
20214×
0.33Nov 18, 20210.30Aug 19, 20210.30May 20, 20210.30Feb 16, 2021

Stock Splits

  • Sep 29, 20173:2
  • Jan 26, 200611:10
  • Jul 13, 20002:1