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FDBC (Fidelity D & D Bancorp) Cyclically Adjusted PB Ratio : 1.34 (As of Jul. 16, 2025)


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What is Fidelity D & D Bancorp Cyclically Adjusted PB Ratio?

As of today (2025-07-16), Fidelity D & D Bancorp's current share price is $44.61. Fidelity D & D Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $33.29. Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio for today is 1.34.

The historical rank and industry rank for Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio or its related term are showing as below:

FDBC' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.15   Med: 1.67   Max: 3.63
Current: 1.28

During the past years, Fidelity D & D Bancorp's highest Cyclically Adjusted PB Ratio was 3.63. The lowest was 1.15. And the median was 1.67.

FDBC's Cyclically Adjusted PB Ratio is ranked worse than
64.93% of 1289 companies
in the Banks industry
Industry Median: 1.06 vs FDBC: 1.28

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Fidelity D & D Bancorp's adjusted book value per share data for the three months ended in Mar. 2025 was $36.698. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $33.29 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Fidelity D & D Bancorp Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Fidelity D & D Bancorp Cyclically Adjusted PB Ratio Chart

Fidelity D & D Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.78 2.22 1.63 1.88 1.50

Fidelity D & D Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio 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 1.53 1.37 1.52 1.50 1.25

Competitive Comparison of Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

* The bar in red indicates where Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio falls into.


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Fidelity D & D Bancorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=44.61/33.29
=1.34

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Fidelity D & D Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=36.698/134.9266*134.9266
=36.698

Current CPI (Mar. 2025) = 134.9266.

Fidelity D & D Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201506 20.136 100.684 26.984
201509 20.665 100.392 27.774
201512 20.832 99.792 28.166
201603 21.280 100.470 28.578
201606 21.841 101.688 28.980
201609 22.157 101.861 29.349
201612 21.905 101.863 29.015
201703 22.184 102.862 29.099
201706 22.703 103.349 29.640
201709 23.132 104.136 29.972
201712 23.402 104.011 30.358
201803 23.328 105.290 29.894
201806 23.681 106.317 30.054
201809 23.969 106.507 30.365
201812 24.889 105.998 31.682
201903 25.851 107.251 32.522
201906 26.818 108.070 33.483
201909 27.707 108.329 34.510
201912 28.248 108.420 35.154
202003 29.526 108.902 36.582
202006 31.571 108.767 39.164
202009 32.465 109.815 39.889
202012 33.481 109.897 41.107
202103 32.743 111.754 39.532
202106 34.465 114.631 40.567
202109 36.410 115.734 42.448
202112 37.501 117.630 43.015
202203 30.967 121.301 34.445
202206 28.772 125.017 31.053
202209 26.019 125.227 28.034
202212 28.938 125.222 31.181
202303 31.048 127.348 32.896
202306 31.287 128.729 32.793
202309 29.044 129.860 30.177
202312 33.219 129.419 34.633
202403 33.409 131.776 34.208
202406 34.116 132.554 34.727
202409 36.133 133.029 36.648
202412 35.559 133.157 36.032
202503 36.698 134.927 36.698

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


Fidelity D & D Bancorp  (NAS:FDBC) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Fidelity D & D Bancorp Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Fidelity D & D Bancorp's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Fidelity D & D Bancorp Business Description

Traded in Other Exchanges
N/A
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), it offers a full range of traditional banking services. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. 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. It offers a full array of loan products to meet the needs of retail and commercial customers. Company includes segments: Commercial and Industrial, Commercial Real Estate, Consumer, Residential Real Estate.
Executives
Brian J Cali director 1241 DECEMBER DRIVE, DUNMORE PA 18512
Joyce William J. Sr. director 414 SOUTH STREET, AVOCA PA 18641
Michael J Mcdonald director 2016 GREEN RIDGE ST., DUNMORE PA 18512
Daniel J Santaniello officer: EVP/Chief Operating Officer 307 RELDA ROAD, ROARING BROOK TWP PA 18444
Alan Silverman director 100 FAIRINGTON LANE, WAVERLY PA 18471
Pacyna Michael J Jr officer: Executive VP & CLO 202 WHITETAIL LN, CLARKS SUMMIT PA 18411
Defrancesco Salvatore R Jr officer: Treasurer & CFO 117 ILAINA DR, MOOSIC PA 18507
Eugene J Walsh officer: Executive Vice President 6 CARTEL LANE, SPRINGBROOK TOWNSHIP PA 18444
Helenbeth Garofalo Vilcek director P.O. BOX 179, BANGOR PA 18013
Ruth G. Turkington officer: Chief Consumer Banking Officer 98 GORDON ROAD, ESSEX FELLS NJ 07021
Theresa M Hinton officer: General Counsel 513 WEDGE DRIVE, DICKSON CITY PA 18519
Kristin D O'donnell director 31 SUNSET DRIVE, JEFFERSON TOWNSHIP PA 18436
Paul C. Woelkers director 916 OLD LOGGER ROAD, MOSCOW PA 18444
Richard M. Hotchkiss director 575 SOUTH 4TH STREET, BANGOR PA 18013-2547
Timothy P O'brien officer: EVP/Chief Commercial Bk Off 1013 SUMMERFIELD DRIVE, DALTON PA 18414