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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 0.92
OTCPK:FDBC's Cash-to-Debt is ranked lower than
64% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OTCPK:FDBC: 0.92 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:FDBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.22 Max: 6.12
Current: 0.92
0.08
6.12
Equity-to-Asset 0.10
OTCPK:FDBC's Equity-to-Asset is ranked lower than
53% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:FDBC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:FDBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 4.43
OTCPK:FDBC's Interest Coverage is ranked higher than
77% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. OTCPK:FDBC: 4.43 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:FDBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 2.43 Max: 4.44
Current: 4.43
0.32
4.44
WACC vs ROIC
4.48%
12.67%
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 : 5/10

vs
industry
vs
history
Operating Margin % 31.78
OTCPK:FDBC's Operating Margin % is ranked higher than
50% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OTCPK:FDBC: 31.78 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:FDBC' s Operating Margin % Range Over the Past 10 Years
Min: -40.17  Med: 26.29 Max: 31.78
Current: 31.78
-40.17
31.78
Net Margin % 23.38
OTCPK:FDBC's Net Margin % is ranked higher than
52% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. OTCPK:FDBC: 23.38 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:FDBC' s Net Margin % Range Over the Past 10 Years
Min: -22.34  Med: 19.61 Max: 23.38
Current: 23.38
-22.34
23.38
ROE % 9.89
OTCPK:FDBC's ROE % is ranked higher than
60% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. OTCPK:FDBC: 9.89 )
Ranked among companies with meaningful ROE % only.
OTCPK:FDBC' s ROE % Range Over the Past 10 Years
Min: -6.93  Med: 8.95 Max: 11.39
Current: 9.89
-6.93
11.39
ROA % 1.01
OTCPK:FDBC's ROA % is ranked higher than
58% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OTCPK:FDBC: 1.01 )
Ranked among companies with meaningful ROA % only.
OTCPK:FDBC' s ROA % Range Over the Past 10 Years
Min: -0.57  Med: 0.84 Max: 1.16
Current: 1.01
-0.57
1.16
3-Year Revenue Growth Rate 0.50
OTCPK:FDBC's 3-Year Revenue Growth Rate is ranked lower than
70% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OTCPK:FDBC: 0.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:FDBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -15.3  Med: 1.65 Max: 25.8
Current: 0.5
-15.3
25.8
3-Year EBITDA Growth Rate 0.40
OTCPK:FDBC's 3-Year EBITDA Growth Rate is ranked lower than
69% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OTCPK:FDBC: 0.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:FDBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -11.5  Med: 2.2 Max: 20.4
Current: 0.4
-11.5
20.4
3-Year EPS without NRI Growth Rate 1.20
OTCPK:FDBC's 3-Year EPS without NRI Growth Rate is ranked lower than
67% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OTCPK:FDBC: 1.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:FDBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -20  Med: 4.2 Max: 34.8
Current: 1.2
-20
34.8
GuruFocus has detected 5 Warning Signs with Fidelity D & D Bancorp Inc $OTCPK:FDBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:FDBC's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:FSFG, NAS:SAL, NAS:CBAN, NAS:OVLY, OTCPK:CABC, OTCPK:KTYB, NAS:LARK, OTCPK:BKGMF, OTCPK:MNAT, OTCPK:EMYB, NAS:MPB, NAS:CIZN, OTCPK:EFSI, OTCPK:HLAN, OTCPK:CPKF, NAS:HWBK, NAS:ACFC, NAS:CFBI, NAS:CBFV, OTCPK:CHBH » details
Headquarter Location:USA
Fidelity D & D Bancorp Inc is a bank holding company for the Fidelity Deposit and Discount Bank. It provides various financial services to individuals and corporate customers in Lackawanna and Luzerne Counties, Pennsylvania.

Fidelity D & D Bancorp Inc 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. It offers banking, trust and financial services to individuals, small businesses and corporate customers in market areas including Lackawanna and Luzerne Counties, Pennsylvania. The Company's deposit products are demand deposits and interest-bearing time and savings accounts. It offers loan products to meet the needs of retail and commercial customers. 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 operates in segments including Commercial and industrial loans, Commercial real estate loans, Consumer loans, and Residential mortgage loans. 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.

Ratios

vs
industry
vs
history
PE Ratio 14.50
FDBC's PE Ratio is ranked higher than
51% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FDBC: 14.50 )
Ranked among companies with meaningful PE Ratio only.
FDBC' s PE Ratio Range Over the Past 10 Years
Min: 8.28  Med: 12.07 Max: 22.81
Current: 14.5
8.28
22.81
PE Ratio without NRI 14.50
FDBC's PE Ratio without NRI is ranked higher than
52% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FDBC: 14.50 )
Ranked among companies with meaningful PE Ratio without NRI only.
FDBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.28  Med: 12.07 Max: 22.81
Current: 14.5
8.28
22.81
Price-to-Owner-Earnings 11.66
FDBC's Price-to-Owner-Earnings is ranked higher than
60% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. FDBC: 11.66 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FDBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.42  Med: 8.41 Max: 100.38
Current: 11.66
1.42
100.38
PB Ratio 1.42
FDBC's PB Ratio is ranked lower than
63% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FDBC: 1.42 )
Ranked among companies with meaningful PB Ratio only.
FDBC' s PB Ratio Range Over the Past 10 Years
Min: 0.55  Med: 0.99 Max: 1.49
Current: 1.42
0.55
1.49
PS Ratio 3.39
FDBC's PS Ratio is ranked higher than
50% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. FDBC: 3.39 )
Ranked among companies with meaningful PS Ratio only.
FDBC' s PS Ratio Range Over the Past 10 Years
Min: 1.18  Med: 2.44 Max: 3.59
Current: 3.39
1.18
3.59
Price-to-Free-Cash-Flow 6.44
FDBC's Price-to-Free-Cash-Flow is ranked higher than
68% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. FDBC: 6.44 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FDBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.43  Med: 5.4 Max: 30.94
Current: 6.44
1.43
30.94
Price-to-Operating-Cash-Flow 6.03
FDBC's Price-to-Operating-Cash-Flow is ranked higher than
66% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. FDBC: 6.03 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FDBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.27  Med: 4.82 Max: 14.05
Current: 6.03
1.27
14.05
EV-to-EBIT 10.95
FDBC's EV-to-EBIT is ranked higher than
56% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. FDBC: 10.95 )
Ranked among companies with meaningful EV-to-EBIT only.
FDBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -30.4  Med: 8.1 Max: 28.5
Current: 10.95
-30.4
28.5
EV-to-EBITDA 8.45
FDBC's EV-to-EBITDA is ranked higher than
63% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. FDBC: 8.45 )
Ranked among companies with meaningful EV-to-EBITDA only.
FDBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -74.2  Med: 6.1 Max: 24.8
Current: 8.45
-74.2
24.8
PEG Ratio 3.33
FDBC's PEG Ratio is ranked lower than
78% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. FDBC: 3.33 )
Ranked among companies with meaningful PEG Ratio only.
FDBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.49  Med: 3.17 Max: 16.58
Current: 3.33
0.49
16.58
Shiller PE Ratio 24.41
FDBC's Shiller PE Ratio is ranked lower than
60% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. FDBC: 24.41 )
Ranked among companies with meaningful Shiller PE Ratio only.
FDBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.89  Med: 16.08 Max: 24.41
Current: 24.41
6.89
24.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.55
FDBC's Dividend Yield % is ranked lower than
51% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FDBC: 2.55 )
Ranked among companies with meaningful Dividend Yield % only.
FDBC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.26  Med: 3.41 Max: 6.98
Current: 2.55
1.26
6.98
Dividend Payout Ratio 0.36
FDBC's Dividend Payout Ratio is ranked lower than
57% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FDBC: 0.36 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FDBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.37 Max: 0.73
Current: 0.36
0.33
0.73
3-Year Dividend Growth Rate 4.50
FDBC's 3-Year Dividend Growth Rate is ranked lower than
60% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FDBC: 4.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FDBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.55 Max: 12.2
Current: 4.5
0
12.2
Forward Dividend Yield % 2.68
FDBC's Forward Dividend Yield % is ranked lower than
54% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FDBC: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.25
FDBC's 5-Year Yield-on-Cost % is ranked lower than
51% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FDBC: 3.25 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FDBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.61  Med: 4.35 Max: 8.91
Current: 3.25
1.61
8.91
3-Year Average Share Buyback Ratio -0.80
FDBC's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FDBC: -0.80 )
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: -3.2  Med: -0.95 Max: -0.3
Current: -0.8
-3.2
-0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
FDBC's Price-to-Tangible-Book is ranked lower than
56% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FDBC: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FDBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.63  Med: 1.11 Max: 1.96
Current: 1.42
0.63
1.96
Price-to-Intrinsic-Value-Projected-FCF 0.64
FDBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
65% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FDBC: 0.64 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FDBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.38 Max: 0.73
Current: 0.64
0.2
0.73
Price-to-Median-PS-Value 1.39
FDBC's Price-to-Median-PS-Value is ranked lower than
72% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FDBC: 1.39 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FDBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 1.12 Max: 1.67
Current: 1.39
0.56
1.67
Price-to-Graham-Number 0.96
FDBC's Price-to-Graham-Number is ranked higher than
50% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FDBC: 0.96 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FDBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 0.86 Max: 1.94
Current: 0.96
0.57
1.94
Earnings Yield (Greenblatt) % 9.14
FDBC's Earnings Yield (Greenblatt) % is ranked higher than
66% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. FDBC: 9.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FDBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -376.1  Med: 7 Max: 50.5
Current: 9.14
-376.1
50.5
Forward Rate of Return (Yacktman) % 15.35
FDBC's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. FDBC: 15.35 )
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: 14  Med: 28.4 Max: 45.7
Current: 15.35
14
45.7

More Statistics

Revenue (TTM) (Mil) $34.10
EPS (TTM) $ 3.24
Beta0.23
Short Percentage of Float0.00%
52-Week Range $31.10 - 46.50
Shares Outstanding (Mil)2.47
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