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Fidelity D & D BancorpFDBC -0.56%64 Debt-to-Equity is 0.02 as of Mar. 2026, which is 90% below its 10-year median of 0.21. GuruFocus rates FDBC with a GF Score™ of 64/100 and a GF Value™ of $52.16 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Fidelity D & D Bancorp ranks better than 54.71% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Fidelity D & D Bancorp's Debt-to-Equity or its related term are showing as below:
FDBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.21 Max: 1.16
Current: 0.49
During the past 13 years, the highest Debt-to-Equity Ratio of Fidelity D & D Bancorp was 1.16. The lowest was 0.02. And the median was 0.21.
FDBC's Debt-to-Equity is ranked better than 54.71% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs FDBC: 0.49
Fidelity D & D Bancorp (NAS:FDBC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Fidelity D & D Bancorp Debt-to-Equity Related Terms
Fidelity D & D Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Fidelity D & D Bancorp's Debt-to-Equity 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.
FDBC vs NASB, FNRN, CCFN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Fidelity D & D Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fidelity D & D Bancorp's Debt-to-Equity falls into.
* 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 (FDBC) has a Debt-to-Equity of 0.02 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fidelity D & D Bancorp and its competitors. This is 90% below median its historical median of 0.21. Over the past decade, Fidelity D & D Bancorp's Debt-to-Equity has ranged from 0.02 to 1.16. According to the industry distribution chart, Fidelity D & D Bancorp ranks #644 out of 1422 companies in the Banks industry, placing it in the top 45.3%.
Is Fidelity D & D Bancorp's Debt-to-Equity too high?
Fidelity D & D Bancorp's current Debt-to-Equity of 0.02 is 90% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.16. The Banks industry median Debt-to-Equity is 0.57. Fidelity D & D Bancorp's value of 0.02 is 96.5% below this industry median. Based on the distribution chart, Fidelity D & D Bancorp ranks #644 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Fidelity D & D Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fidelity D & D Bancorp's Debt-to-Equity compare to NASB and FNRN?
According to the Banks industry distribution chart, Fidelity D & D Bancorp ranks #644 out of 1422 companies for Debt-to-Equity. This puts Fidelity D & D Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Fidelity D & D Bancorp's value of 0.02 is 96.5% below this benchmark. Historically, Fidelity D & D Bancorp's own Debt-to-Equity has ranged from 0.02 to 1.16 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.57, Fidelity D & D Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity D & D Bancorp's current Debt-to-Equity of 0.02 is 96.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fidelity D & D Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity D & D Bancorp's current Debt-to-Equity is 0.02, which is 90% below median its own 10-year median of 0.21. 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 $52.16, compared to a current price of $51.56 — trading 1.2% below its estimated fair value. The current Debt-to-Equity is 0.02, which is 90% below median its 10-year median of 0.21 and 96.5% below the Banks industry median of 0.57. Fidelity D & D Bancorp's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current Debt-to-Equity is 0.02 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 $51.56 is trading 1.2% below its estimated GF Value™ of $52.16.
GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.
Key valuation signals for FDBC:
Debt-to-Equity: 0.02 (90% below median its 10-year median of 0.21)
GF Value™: $52.16 vs. price of $51.56 (1.2% below fair value)
Industry Position: 96.5% below the Banks median (#644 of 1422)
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 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.
64GF Score
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