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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 0.72
FDBC's Cash to Debt is ranked higher than
70% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FDBC: 0.72 )
FDBC' s 10-Year Cash to Debt Range
Min: 0.08   Max: 1.98
Current: 0.72

0.08
1.98
Equity to Asset 0.11
FDBC's Equity to Asset is ranked higher than
75% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FDBC: 0.11 )
FDBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 3.29
FDBC's Interest Coverage is ranked higher than
84% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FDBC: 3.29 )
FDBC' s 10-Year Interest Coverage Range
Min: 0.13   Max: 3.29
Current: 3.29

0.13
3.29
F-Score: 6
Z-Score: 0.28
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 : 8/10

vs
industry
vs
history
Operating margin (%) 32.41
FDBC's Operating margin (%) is ranked higher than
79% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FDBC: 32.41 )
FDBC' s 10-Year Operating margin (%) Range
Min: -40.17   Max: 31.05
Current: 32.41

-40.17
31.05
Net-margin (%) 23.67
FDBC's Net-margin (%) is ranked higher than
80% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FDBC: 23.67 )
FDBC' s 10-Year Net-margin (%) Range
Min: -22.34   Max: 22.66
Current: 23.67

-22.34
22.66
ROE (%) 11.03
FDBC's ROE (%) is ranked higher than
84% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FDBC: 11.03 )
FDBC' s 10-Year ROE (%) Range
Min: -6.93   Max: 11.39
Current: 11.03

-6.93
11.39
ROA (%) 1.14
FDBC's ROA (%) is ranked higher than
87% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FDBC: 1.14 )
FDBC' s 10-Year ROA (%) Range
Min: -0.57   Max: 1.16
Current: 1.14

-0.57
1.16
ROC (Joel Greenblatt) (%) 65.10
FDBC's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FDBC: 65.10 )
FDBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -30.06   Max: 70.37
Current: 65.1

-30.06
70.37
Revenue Growth (3Y)(%) 25.80
FDBC's Revenue Growth (3Y)(%) is ranked higher than
98% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FDBC: 25.80 )
FDBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.3   Max: 25.8
Current: 25.8

-15.3
25.8
» 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) 11.00
FDBC's P/E(ttm) is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FDBC: 11.00 )
FDBC' s 10-Year P/E(ttm) Range
Min: 8.28   Max: 53.71
Current: 11

8.28
53.71
P/B 1.20
FDBC's P/B is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FDBC: 1.20 )
FDBC' s 10-Year P/B Range
Min: 0.55   Max: 1.85
Current: 1.2

0.55
1.85
P/S 2.60
FDBC's P/S is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FDBC: 2.60 )
FDBC' s 10-Year P/S Range
Min: 1.19   Max: 4.18
Current: 2.6

1.19
4.18
PFCF 11.30
FDBC's PFCF is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FDBC: 11.30 )
FDBC' s 10-Year PFCF Range
Min: 1.43   Max: 34.48
Current: 11.3

1.43
34.48
EV-to-EBIT 8.84
FDBC's EV-to-EBIT is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FDBC: 8.84 )
FDBC' s 10-Year EV-to-EBIT Range
Min: -13.7   Max: 140.9
Current: 8.84

-13.7
140.9
Shiller P/E 26.90
FDBC's Shiller P/E is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FDBC: 26.90 )
FDBC' s 10-Year Shiller P/E Range
Min: 7.26   Max: 26.9
Current: 26.9

7.26
26.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.90
FDBC's Dividend Yield is ranked higher than
68% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FDBC: 2.90 )
FDBC' s 10-Year Dividend Yield Range
Min: 0.56   Max: 6.98
Current: 2.9

0.56
6.98
Dividend Payout 0.32
FDBC's Dividend Payout is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FDBC: 0.32 )
FDBC' s 10-Year Dividend Payout Range
Min: 0.22   Max: 1.56
Current: 0.32

0.22
1.56
Yield on cost (5-Year) 3.35
FDBC's Yield on cost (5-Year) is ranked higher than
66% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FDBC: 3.35 )
FDBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.65   Max: 8.05
Current: 3.35

0.65
8.05
Share Buyback Rate -3.30
FDBC's Share Buyback Rate is ranked higher than
68% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FDBC: -3.30 )
FDBC' s 10-Year Share Buyback Rate Range
Min: -0.3   Max: -3.3
Current: -3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
FDBC's Price/Tangible Book is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FDBC: 1.20 )
FDBC' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 1.96
Current: 1.2

0.63
1.96
Price/DCF (Projected) 0.50
FDBC's Price/DCF (Projected) is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FDBC: 0.50 )
FDBC' s 10-Year Price/DCF (Projected) Range
Min: 0.22   Max: 1.05
Current: 0.5

0.22
1.05
Price/Median PS Value 1.00
FDBC's Price/Median PS Value is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FDBC: 1.00 )
FDBC' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 1.62
Current: 1

0.56
1.62
Price/Graham Number 0.80
FDBC's Price/Graham Number is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FDBC: 0.80 )
FDBC' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.93
Current: 0.8

0.58
1.93
Earnings Yield (Greenblatt) 11.30
FDBC's Earnings Yield (Greenblatt) is ranked higher than
90% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FDBC: 11.30 )
FDBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 50.5
Current: 11.3

0.7
50.5
Forward Rate of Return (Yacktman) 6.57
FDBC's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FDBC: 6.57 )
FDBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.1   Max: 45.7
Current: 6.57

7.1
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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