FDBC (Fidelity D & D Bancorp) Moat Score: 4/10 (As of Jun. 25, 2026)


FDBC Fidelity D & D Bancorp Inc FDBC
67 GF Score
Price $51.00
GF Value $52.06
Valuation Fairly Valued
! 2 Warning Signs
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What is Fidelity D & D Bancorp Moat Score?

Fidelity D & D Bancorp FDBC +0.14% 67 Moat Score is 4 as of Jun. 25, 2026. 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 1,609 Banks companies, Fidelity D & D Bancorp ranks better than 86.14% on this metric.

Fidelity D & D Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Fidelity D & D Bancorp has Narrow Moat: Fidelity D & D Bancorp Inc has a discernible moat due to its regional presence and customer relationships. However, it lacks strong brand strength, significant market share, or unique intellectual property, limiting its competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fidelity D & D Bancorp might have Narrow Moat - Discernible but modest moat.

Fidelity D & D Bancorp  (NAS:FDBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fidelity D & D Bancorp Moat Score Related Terms

FDBC vs EXSR, FFBB, WNEB: Moat Score Comparison

For the Banks - Regional subindustry, Fidelity D & D Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Fidelity D & D Bancorp's Moat Score falls into.


FDBC
67GF Score
Fidelity D & D Bancorp Inc FDBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Fidelity D & D Bancorp (FDBC) has a Moat Score of 4 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Fidelity D & D Bancorp ranks #223 out of 1609 companies in the Banks industry, placing it in the top 13.9%.
Is Fidelity D & D Bancorp's Moat Score too high?
Fidelity D & D Bancorp's current Moat Score is 4. Based on the distribution chart, Fidelity D & D Bancorp ranks #223 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to EXSR and FFBB?
According to the Banks industry distribution chart, Fidelity D & D Bancorp ranks #223 out of 1609 companies for Moat Score. This places Fidelity D & D Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Fidelity D & D Bancorp's current Moat Score is 4. 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 $51.00 — trading 2% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current Moat Score is 4 as of Jun. 25, 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 $51.00 is trading 2% below its estimated GF Value™ of $52.06. GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.

Key valuation signals for FDBC:

  • Moat Score: 4
  • GF Value™: $52.06 vs. price of $51.00 (2% 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.00
Price
$52.06
GF Value