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Fidelity D & D BancorpFDBC +1.51%64 EV-to-OCF is 6.11 as of Aug. 08, 2026, which is 23% below its 10-year median of 7.96. GuruFocus rates FDBC with a GF Score™ of 64/100 and a GF Value™ of $52.11 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Fidelity D & D Bancorp ranks worse than 56.81% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Fidelity D & D Bancorp's Enterprise Value is $233.59 Mil.
Fidelity D & D Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $38.24 Mil. Therefore, Fidelity D & D Bancorp's EV-to-OCF for today is 6.11.
The historical rank and industry rank for Fidelity D & D Bancorp's EV-to-OCF or its related term are showing as below:
FDBC'
s EV-to-OCF Range Over the Past 10 Years
Min: -759.01 Med: 7.96 Max: 917.86
Current: 6.11
During the past 13 years, the highest EV-to-OCF of Fidelity D & D Bancorp was 917.86. The lowest was -759.01. And the median was 7.96.
FDBC's EV-to-OCF is ranked worse than 56.81% of 1498
companies
in the Banks industry
Industry Median: 3.98
vs FDBC: 6.11
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fidelity D & D Bancorp (NAS:FDBC) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fidelity D & D Bancorp's PE Ratio (TTM) for today is calculated as:
Fidelity D & D Bancorp's share price for today is $54.52.
Fidelity D & D Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.250.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Fidelity D & D Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Fidelity D & D Bancorp's EV-to-OCF falls into.
Fidelity D & D Bancorp's current Enterprise Value is $233.59 Mil.
Fidelity D & D Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $38.24 Mil.
* 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 EV-to-OCF of 6.11 as of Aug. 08, 2026. This is 23% below median its historical median of 7.96. According to the industry distribution chart, Fidelity D & D Bancorp ranks #851 out of 1498 companies in the Banks industry, placing it in the top 56.8%.
Is Fidelity D & D Bancorp's EV-to-OCF too high?
Fidelity D & D Bancorp's current EV-to-OCF of 6.11 is 23% below median its 10-year median of 7.96. The Banks industry median EV-to-OCF is 3.98. Fidelity D & D Bancorp's value of 6.11 is 53.5% above this industry median. Based on the distribution chart, Fidelity D & D Bancorp ranks #851 out of 1498 companies in the Banks industry, which is below 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 EV-to-OCF compare to NASB and FNRN?
According to the Banks industry distribution chart, Fidelity D & D Bancorp ranks #851 out of 1498 companies for EV-to-OCF. This places Fidelity D & D Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.98. Fidelity D & D Bancorp's value of 6.11 is 53.5% above this benchmark. While the company's 10-year median is 7.96 vs. the industry median of 3.98, Fidelity D & D Bancorp has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity D & D Bancorp's current EV-to-OCF of 6.11 is 53.5% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity D & D Bancorp's current EV-to-OCF is 6.11, which is 23% below median its own 10-year median of 7.96. 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 $52.11, compared to a current price of $54.52 — trading 4.6% above its estimated fair value. The current EV-to-OCF is 6.11, which is 23% below median its 10-year median of 7.96 and 53.5% above the Banks industry median of 3.98. Fidelity D & D Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current EV-to-OCF is 6.11 as of Aug. 08, 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 overvalued.
The current stock price of $54.52 is trading 4.6% above its estimated GF Value™ of $52.11.
GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.
Key valuation signals for FDBC:
EV-to-OCF: 6.11 (23% below median its 10-year median of 7.96)
GF Value™: $52.11 vs. price of $54.52 (4.6% above fair value)
Industry Position: 53.5% above the Banks median (#851 of 1498)
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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