FDBC (Fidelity D & D Bancorp) Cyclically Adjusted FCF per Share: $4.52 (As of Mar. 2026)


FDBC Fidelity D & D Bancorp Inc FDBC
67 GF Score
Price $51.40
GF Value $52.07
Valuation Fairly Valued
! 2 Warning Signs
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What is Fidelity D & D Bancorp Cyclically Adjusted FCF per Share?

Fidelity D & D Bancorp FDBC -1.15% 67 Cyclically Adjusted FCF per Share is $4.52 as of Mar. 2026. GuruFocus rates FDBC with a GF Score™ of 67/100 and a GF Value™ of $52.07 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Fidelity D & D Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.559. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $4.52 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Fidelity D & D Bancorp's average Cyclically Adjusted FCF Growth Rate was -1.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 0.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 5.50% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 0.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Fidelity D & D Bancorp was 8.90% per year. The lowest was -8.50% per year. And the median was 0.80% per year.

As of today (2026-06-29), Fidelity D & D Bancorp's current stock price is $51.40. Fidelity D & D Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $4.52. Fidelity D & D Bancorp's Cyclically Adjusted Price-to-FCF of today is 11.37.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Fidelity D & D Bancorp was 19.58. The lowest was 5.25. And the median was 11.43.


Fidelity D & D Bancorp  (NAS:FDBC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Fidelity D & D Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=51.40/4.52
=11.37

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Fidelity D & D Bancorp was 19.58. The lowest was 5.25. And the median was 11.43.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Fidelity D & D Bancorp Cyclically Adjusted FCF per Share Related Terms


Fidelity D & D Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Fidelity D & D Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fidelity D & D Bancorp Cyclically Adjusted FCF per Share Chart

Fidelity D & D Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.40 4.30 4.02 4.39 4.42

Fidelity D & D Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.59 4.55 4.42 4.42 4.52

FDBC vs CSHX, VLNT, FCCO: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Fidelity D & D Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fidelity D & D Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Fidelity D & D Bancorp's Cyclically Adjusted Price-to-FCF falls into.


FDBC
67GF Score
Fidelity D & D Bancorp Inc FDBC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fidelity D & D Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Fidelity D & D Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.559/330.2130*330.2130
=0.559

Current CPI (Mar. 2026) = 330.2130.

Fidelity D & D Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 1.102 241.018 1.510
201609 1.106 241.428 1.513
201612 1.400 241.432 1.915
201703 1.246 243.801 1.688
201706 0.466 244.955 0.628
201709 1.167 246.819 1.561
201712 0.595 246.524 0.797
201803 0.844 249.554 1.117
201806 0.931 251.989 1.220
201809 0.441 252.439 0.577
201812 0.441 251.233 0.580
201903 2.060 254.202 2.676
201906 0.981 256.143 1.265
201909 2.004 256.759 2.577
201912 0.632 256.974 0.812
202003 1.207 258.115 1.544
202006 -1.758 257.797 -2.252
202009 2.027 260.280 2.572
202012 -1.558 260.474 -1.975
202103 5.047 264.877 6.292
202106 2.940 271.696 3.573
202109 -4.947 274.310 -5.955
202112 -1.313 278.802 -1.555
202203 2.635 287.504 3.026
202206 1.569 296.311 1.749
202209 2.072 296.808 2.305
202212 1.454 296.797 1.618
202303 1.113 301.836 1.218
202306 1.079 305.109 1.168
202309 0.753 307.789 0.808
202312 1.034 306.746 1.113
202403 0.700 312.332 0.740
202406 1.251 314.175 1.315
202409 1.347 315.301 1.411
202412 1.016 315.605 1.063
202503 1.988 319.799 2.053
202506 1.189 322.561 1.217
202509 0.379 324.800 0.385
202512 0.729 324.054 0.743
202603 0.559 330.213 0.559

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $4.52 mean?
Fidelity D & D Bancorp (FDBC) has a Cyclically Adjusted FCF per Share of $4.52 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Fidelity D & D Bancorp and its competitors.
Is Fidelity D & D Bancorp's Cyclically Adjusted FCF per Share too high?
Fidelity D & D Bancorp's current Cyclically Adjusted FCF per Share is $4.52. Overall, Fidelity D & D Bancorp has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fidelity D & D Bancorp's Cyclically Adjusted FCF per Share compare to CSHX and VLNT?
Fidelity D & D Bancorp's Cyclically Adjusted FCF per Share of $4.52 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Fidelity D & D Bancorp and its competitors. Fidelity D & D Bancorp's current Cyclically Adjusted FCF per Share is $4.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity D & D Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Fidelity D & D Bancorp (FDBC) is currently considered Fairly Valued. The stock's GF Value™ is $52.07, compared to a current price of $51.40 — trading 1.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $4.52. Fidelity D & D Bancorp's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current Cyclically Adjusted FCF per Share is $4.52 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fidelity D & D Bancorp (FDBC) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity D & D Bancorp stock appears to be undervalued. The current stock price of $51.40 is trading 1.3% below its estimated GF Value™ of $52.07. GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.

Key valuation signals for FDBC:

  • Cyclically Adjusted FCF per Share: $4.52
  • GF Value™: $52.07 vs. price of $51.40 (1.3% below fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the FDBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fidelity D & D Bancorp Business Description

Address Blakely and Drinker Streets, Dunmore, PA, USA, 18512
Fidelity D & D Bancorp Inc is a bank holding company. Through its wholly-owned state chartered commercial bank subsidiary, The Fidelity Deposit and Discount Bank (the Bank), the company provides a full range of banking, trust and financial services to individuals, small businesses and corporate customers. Its primary market areas are Lackawanna, Luzerne and Northampton Counties, Pennsylvania. The company's primary deposit products are demand deposits and interest-bearing time, money market and savings accounts. The company's segments include: Commercial and Industrial, Commercial Real Estate, Consumer, Residential Real Estate, with the majority of revenue generating from the Commercial Real Estate segment.
67GF Score

Get the complete analysis for FDBC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.40
Price
$52.07
GF Value