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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 0.44
FDBC's Cash to Debt is ranked higher than
57% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FDBC: 0.44 )
Ranked among companies with meaningful Cash to Debt only.
FDBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.20 Max: N/A
Current: 0.44
Equity to Asset 0.11
FDBC's Equity to Asset is ranked lower than
53% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FDBC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FDBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 3.53
FDBC's Interest Coverage is ranked higher than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. FDBC: 3.53 )
Ranked among companies with meaningful Interest Coverage only.
FDBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.67 Max: 9999.99
Current: 3.53
0.32
9999.99
F-Score: 4
WACC vs ROIC
5.03%
9.50%
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 (%) 28.76
FDBC's Operating margin (%) is ranked lower than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. FDBC: 28.76 )
Ranked among companies with meaningful Operating margin (%) only.
FDBC' s Operating margin (%) Range Over the Past 10 Years
Min: -40.17  Med: 25.21 Max: 31.05
Current: 28.76
-40.17
31.05
Net-margin (%) 22.90
FDBC's Net-margin (%) is ranked higher than
52% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. FDBC: 22.90 )
Ranked among companies with meaningful Net-margin (%) only.
FDBC' s Net-margin (%) Range Over the Past 10 Years
Min: -22.34  Med: 19.01 Max: 22.66
Current: 22.9
-22.34
22.66
ROE (%) 9.56
FDBC's ROE (%) is ranked higher than
59% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. FDBC: 9.56 )
Ranked among companies with meaningful ROE (%) only.
FDBC' s ROE (%) Range Over the Past 10 Years
Min: -6.93  Med: 8.64 Max: 11.39
Current: 9.56
-6.93
11.39
ROA (%) 1.00
FDBC's ROA (%) is ranked higher than
60% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FDBC: 1.00 )
Ranked among companies with meaningful ROA (%) only.
FDBC' s ROA (%) Range Over the Past 10 Years
Min: -0.57  Med: 0.80 Max: 1.16
Current: 1
-0.57
1.16
Revenue Growth (3Y)(%) -100.00
FDBC's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FDBC: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FDBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 1.70 Max: 25.8
Current: -100
-100
25.8
EBITDA Growth (3Y)(%) -100.00
FDBC's EBITDA Growth (3Y)(%) is ranked lower than
65% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. FDBC: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FDBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 1.90 Max: 20.4
Current: -100
-100
20.4
EPS Growth (3Y)(%) -100.00
FDBC's EPS Growth (3Y)(%) is ranked lower than
62% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. FDBC: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FDBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 3.70 Max: 34.8
Current: -100
-100
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) 11.40
FDBC's P/E(ttm) is ranked higher than
50% of the 2205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.42 vs. FDBC: 11.40 )
Ranked among companies with meaningful P/E(ttm) only.
FDBC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.28  Med: 12.62 Max: 22.96
Current: 11.4
8.28
22.96
PE(NRI) 11.40
FDBC's PE(NRI) is ranked higher than
56% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FDBC: 11.40 )
Ranked among companies with meaningful PE(NRI) only.
FDBC' s PE(NRI) Range Over the Past 10 Years
Min: 8.28  Med: 12.64 Max: 23.1
Current: 11.4
8.28
23.1
P/B 1.04
FDBC's P/B is ranked lower than
56% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FDBC: 1.04 )
Ranked among companies with meaningful P/B only.
FDBC' s P/B Range Over the Past 10 Years
Min: 0.55  Med: 1.01 Max: 1.85
Current: 1.04
0.55
1.85
P/S 2.58
FDBC's P/S is ranked lower than
53% of the 2382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.47 vs. FDBC: 2.58 )
Ranked among companies with meaningful P/S only.
FDBC' s P/S Range Over the Past 10 Years
Min: 1.18  Med: 2.51 Max: 4.18
Current: 2.58
1.18
4.18
PFCF 5.81
FDBC's PFCF is ranked higher than
61% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.46 vs. FDBC: 5.81 )
Ranked among companies with meaningful PFCF only.
FDBC' s PFCF Range Over the Past 10 Years
Min: 1.43  Med: 5.24 Max: 31
Current: 5.81
1.43
31
POCF 5.05
FDBC's POCF is ranked higher than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FDBC: 5.05 )
Ranked among companies with meaningful POCF only.
FDBC' s POCF Range Over the Past 10 Years
Min: 1.27  Med: 4.72 Max: 14.65
Current: 5.05
1.27
14.65
EV-to-EBIT 6.94
FDBC's EV-to-EBIT is ranked higher than
81% of the 2126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.54 vs. FDBC: 6.94 )
Ranked among companies with meaningful EV-to-EBIT only.
FDBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 10.10 Max: 34.1
Current: 6.94
-30.4
34.1
EV-to-EBITDA 4.96
FDBC's EV-to-EBITDA is ranked higher than
88% of the 2127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.24 vs. FDBC: 4.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
FDBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -74.2  Med: 7.20 Max: 25.3
Current: 4.96
-74.2
25.3
Shiller P/E 18.30
FDBC's Shiller P/E is ranked lower than
62% of the 626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.98 vs. FDBC: 18.30 )
Ranked among companies with meaningful Shiller P/E only.
FDBC' s Shiller P/E Range Over the Past 10 Years
Min: 6.89  Med: 15.23 Max: 20.57
Current: 18.3
6.89
20.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.27
FDBC's Dividend Yield is ranked higher than
54% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. FDBC: 3.27 )
Ranked among companies with meaningful Dividend Yield only.
FDBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.56  Med: 3.58 Max: 6.98
Current: 3.27
0.56
6.98
Dividend Payout 0.37
FDBC's Dividend Payout is ranked lower than
56% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FDBC: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
FDBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.42 Max: 0.73
Current: 0.37
0.33
0.73
Dividend Growth (3y) -100.00
FDBC's Dividend Growth (3y) is ranked lower than
99.99% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. FDBC: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FDBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -100.00 Max: 2.4
Current: -100
0
2.4
Forward Dividend Yield 3.33
FDBC's Forward Dividend Yield is ranked higher than
53% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. FDBC: 3.33 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.85
FDBC's Yield on cost (5-Year) is ranked higher than
55% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FDBC: 3.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FDBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.66  Med: 4.21 Max: 8.21
Current: 3.85
0.66
8.21
3-Year Average Share Buyback Ratio -2.10
FDBC's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FDBC: -2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FDBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.3  Med: -0.90 Max: -0.3
Current: -2.1
-3.3
-0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
FDBC's Price/Tangible Book is ranked higher than
52% of the 2120 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FDBC: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
FDBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.72  Med: 1.11 Max: 1.86
Current: 1.04
0.72
1.86
Earnings Yield (Greenblatt) (%) 14.40
FDBC's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FDBC: 14.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FDBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.9  Med: 5.10 Max: 50.5
Current: 14.4
2.9
50.5
Forward Rate of Return (Yacktman) (%) 19.77
FDBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. FDBC: 19.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FDBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 12.6  Med: 27.40 Max: 45.7
Current: 19.77
12.6
45.7

More Statistics

Revenue(Mil) $31
EPS $ 2.91
Beta0.05
Short Percentage of Float0.00%
52-Week Range $32.00 - 38.25
Shares Outstanding(Mil)2.44

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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