Fidelity D & D BancorpFDBC -0.18%67 FCF Margin % is 13.30% as of Mar. 2026, which is 57% below its 10-year median of 31.21. GuruFocus rates FDBC with a GF Score™ of 67/100 and a GF Value™ of $52.06 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Fidelity D & D Bancorp ranks worse than 60.6% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Fidelity D & D Bancorp's FCF Margin % 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 FCF Margin % of 13.30% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Fidelity D & D Bancorp and its competitors. This is 57% below median its historical median of 31.21. According to the industry distribution chart, Fidelity D & D Bancorp ranks #912 out of 1505 companies in the Banks industry, placing it in the top 60.6%.
Is Fidelity D & D Bancorp's FCF Margin % too high?
Fidelity D & D Bancorp's current FCF Margin % of 13.30% is 57% below median its 10-year median of 31.21. The Banks industry median FCF Margin % is 26.42. Fidelity D & D Bancorp's value of 13.30% is 49.7% below this industry median. Based on the distribution chart, Fidelity D & D Bancorp ranks #912 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to EXSR and FFBB?
According to the Banks industry distribution chart, Fidelity D & D Bancorp ranks #912 out of 1505 companies for FCF Margin %. This places Fidelity D & D Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.42. Fidelity D & D Bancorp's value of 13.30% is 49.7% below this benchmark. While the company's 10-year median is 31.21 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity D & D Bancorp's current FCF Margin % of 13.30% is 49.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Fidelity D & D Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity D & D Bancorp's current FCF Margin % is 13.30%, which is 57% below median its own 10-year median of 31.21. 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 $52.06, compared to a current price of $50.93 — trading 2.2% below its estimated fair value. The current FCF Margin % is 13.30%, which is 57% below median its 10-year median of 31.21 and 49.7% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current FCF Margin % is 13.30% 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 $50.93 is trading 2.2% below its estimated GF Value™ of $52.06.
GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.
Key valuation signals for FDBC:
FCF Margin %: 13.30% (57% below median its 10-year median of 31.21)
GF Value™: $52.06 vs. price of $50.93 (2.2% below fair value)
Industry Position: 49.7% below the Banks median (#912 of 1505)
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.
67GF Score
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