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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.63
FDBC's Cash to Debt is ranked lower than
62% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FDBC: 0.63 )
Ranked among companies with meaningful Cash to Debt only.
FDBC' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.18 Max: 1.98
Current: 0.63
0.08
1.98
Equity to Asset 0.10
FDBC's Equity to Asset is ranked lower than
51% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FDBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FDBC' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 2.92
FDBC's Interest Coverage is ranked higher than
67% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FDBC: 2.92 )
Ranked among companies with meaningful Interest Coverage only.
FDBC' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.35 Max: 3.29
Current: 2.92
0.13
3.29
F-Score: 4
WACC vs ROIC
5.14%
8.34%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 27.47
FDBC's Operating margin (%) is ranked lower than
57% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FDBC: 27.47 )
Ranked among companies with meaningful Operating margin (%) only.
FDBC' s 10-Year Operating margin (%) Range
Min: -40.17  Med: 24.72 Max: 31.05
Current: 27.47
-40.17
31.05
Net-margin (%) 22.09
FDBC's Net-margin (%) is ranked higher than
50% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FDBC: 22.09 )
Ranked among companies with meaningful Net-margin (%) only.
FDBC' s 10-Year Net-margin (%) Range
Min: -22.34  Med: 19.02 Max: 22.66
Current: 22.09
-22.34
22.66
ROE (%) 9.19
FDBC's ROE (%) is ranked higher than
56% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FDBC: 9.19 )
Ranked among companies with meaningful ROE (%) only.
FDBC' s 10-Year ROE (%) Range
Min: -6.93  Med: 8.68 Max: 11.39
Current: 9.19
-6.93
11.39
ROA (%) 0.97
FDBC's ROA (%) is ranked higher than
58% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FDBC: 0.97 )
Ranked among companies with meaningful ROA (%) only.
FDBC' s 10-Year ROA (%) Range
Min: -0.57  Med: 0.74 Max: 1.16
Current: 0.97
-0.57
1.16
Revenue Growth (3Y)(%) 0.30
FDBC's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FDBC: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FDBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.3  Med: 2.30 Max: 25.8
Current: 0.3
-15.3
25.8
EBITDA Growth (3Y)(%) 2.40
FDBC's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FDBC: 2.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FDBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.4  Med: 2.15 Max: 20.4
Current: 2.4
-11.4
20.4
EPS Growth (3Y)(%) 4.90
FDBC's EPS Growth (3Y)(%) is ranked lower than
63% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FDBC: 4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FDBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -20  Med: 4.30 Max: 34.8
Current: 4.9
-20
34.8
» FDBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.00
FDBC's P/E(ttm) is ranked higher than
56% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FDBC: 12.00 )
Ranked among companies with meaningful P/E(ttm) only.
FDBC' s 10-Year P/E(ttm) Range
Min: 8.28  Med: 12.86 Max: 48.13
Current: 12
8.28
48.13
PE(NRI) 12.00
FDBC's PE(NRI) is ranked higher than
56% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FDBC: 12.00 )
Ranked among companies with meaningful PE(NRI) only.
FDBC' s 10-Year PE(NRI) Range
Min: 8.28  Med: 12.88 Max: 48.65
Current: 12
8.28
48.65
P/B 1.08
FDBC's P/B is ranked lower than
53% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FDBC: 1.08 )
Ranked among companies with meaningful P/B only.
FDBC' s 10-Year P/B Range
Min: 0.55  Med: 1.01 Max: 1.85
Current: 1.08
0.55
1.85
P/S 2.64
FDBC's P/S is ranked higher than
55% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FDBC: 2.64 )
Ranked among companies with meaningful P/S only.
FDBC' s 10-Year P/S Range
Min: 1.18  Med: 2.52 Max: 4.18
Current: 2.64
1.18
4.18
PFCF 8.44
FDBC's PFCF is ranked higher than
61% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FDBC: 8.44 )
Ranked among companies with meaningful PFCF only.
FDBC' s 10-Year PFCF Range
Min: 1.43  Med: 5.17 Max: 31
Current: 8.44
1.43
31
POCF 6.37
FDBC's POCF is ranked higher than
64% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FDBC: 6.37 )
Ranked among companies with meaningful POCF only.
FDBC' s 10-Year POCF Range
Min: 1.27  Med: 4.60 Max: 14.65
Current: 6.37
1.27
14.65
EV-to-EBIT 11.15
FDBC's EV-to-EBIT is ranked higher than
63% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FDBC: 11.15 )
Ranked among companies with meaningful EV-to-EBIT only.
FDBC' s 10-Year EV-to-EBIT Range
Min: -30.4  Med: 11.20 Max: 117
Current: 11.15
-30.4
117
Shiller P/E 23.06
FDBC's Shiller P/E is ranked lower than
76% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FDBC: 23.06 )
Ranked among companies with meaningful Shiller P/E only.
FDBC' s 10-Year Shiller P/E Range
Min: 7.3  Med: 17.60 Max: 26.79
Current: 23.06
7.3
26.79
Days Sales Outstanding 26.76
FDBC's Days Sales Outstanding is ranked higher than
64% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. FDBC: 26.76 )
Ranked among companies with meaningful Days Sales Outstanding only.
FDBC' s 10-Year Days Sales Outstanding Range
Min: 24.02  Med: 36.71 Max: 85.15
Current: 26.76
24.02
85.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.20
FDBC's Dividend Yield is ranked higher than
59% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FDBC: 3.20 )
Ranked among companies with meaningful Dividend Yield only.
FDBC' s 10-Year Dividend Yield Range
Min: 0.56  Med: 3.63 Max: 6.98
Current: 3.2
0.56
6.98
Dividend Payout 0.38
FDBC's Dividend Payout is ranked lower than
58% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FDBC: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
FDBC' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.42 Max: 1.56
Current: 0.38
0.22
1.56
Yield on cost (5-Year) 3.76
FDBC's Yield on cost (5-Year) is ranked higher than
58% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FDBC: 3.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FDBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.66  Med: 4.27 Max: 8.21
Current: 3.76
0.66
8.21
Share Buyback Rate -3.00
FDBC's Share Buyback Rate is ranked lower than
56% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FDBC: -3.00 )
Ranked among companies with meaningful Share Buyback Rate only.
FDBC' s 10-Year Share Buyback Rate Range
Min: -0.3  Med: -0.80 Max: -3.3
Current: -3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
FDBC's Price/Tangible Book is ranked higher than
55% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FDBC: 1.08 )
Ranked among companies with meaningful Price/Tangible Book only.
FDBC' s 10-Year Price/Tangible Book Range
Min: 0.63  Med: 1.13 Max: 1.96
Current: 1.08
0.63
1.96
Price/Projected FCF 0.49
FDBC's Price/Projected FCF is ranked higher than
70% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FDBC: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
FDBC' s 10-Year Price/Projected FCF Range
Min: 0.2  Med: 0.35 Max: 0.75
Current: 0.49
0.2
0.75
Price/Median PS Value 1.05
FDBC's Price/Median PS Value is ranked lower than
53% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FDBC: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
FDBC' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.10 Max: 1.62
Current: 1.05
0.55
1.62
Price/Graham Number 0.76
FDBC's Price/Graham Number is ranked higher than
57% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FDBC: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
FDBC' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.95 Max: 1.93
Current: 0.76
0.58
1.93
Earnings Yield (Greenblatt) (%) 9.00
FDBC's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FDBC: 9.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FDBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 4.70 Max: 50.5
Current: 9
0.9
50.5
Forward Rate of Return (Yacktman) (%) 17.22
FDBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FDBC: 17.22 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FDBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.8  Med: 27.60 Max: 45.7
Current: 17.22
11.8
45.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Fidelity D & D Bancorp is incorporated in the Commonwealth of Pennsylvania, on August 10, 1999. It is a bank holding company, whose wholly owned state chartered commercial bank is The Fidelity Deposit and Discount Bank. The Bank offers various traditional banking services since it commenced operations in 1903. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. The service area is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties. The Bank is a community-based commercial financial institution, member FDIC, which offers a variety of deposit accounts with varying ranges of interest rates and terms. Deposit products consist of transaction accounts including: savings; clubs; interest-bearing checking; money market and non-interest bearing checking (DDA). The Company also offers short- and long-term time deposits or certificates of deposit (CDs). The Company's investment policy is designed to complement its lending activities, generate a favorable return without incurring undue interest rate and credit risk, manage interest rate sensitivity, provide monthly cash flow and manage liquidity at acceptable levels. The Company has been able to compete effectively with other financial institutions by emphasizing technology and customer service, including local decision making on loans. These efforts enabled the Company to establish long-term customer relationships and build customer loyalty by providing products and services designed to address the specific needs of its customers. The Company is subject to, among others, the regulations of the Securities and Exchange Commission and the Federal Reserve Board and the Bank is subject to, among others, the regulations of the Pennsylvania Department of Banking and the Federal Deposit Insurance Corporation.
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