FDBC (Fidelity D & D Bancorp) 10-Year RORE % : 12.81% (As of Mar. 2026)


FDBC Fidelity D & D Bancorp Inc FDBC
67 GF Score
Price $51.42
GF Value $52.07
Valuation Fairly Valued
! 2 Warning Signs
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What is Fidelity D & D Bancorp 10-Year RORE %?

Fidelity D & D Bancorp FDBC +0.04% 67 10-Year RORE % is 12.81 as of Mar. 2026. GuruFocus rates FDBC with a GF Score™ of 67/100 and a GF Value™ of $52.07 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,091 Banks companies, Fidelity D & D Bancorp ranks better than 61.41% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Fidelity D & D Bancorp's 10-Year RORE % for the quarter that ended in Mar. 2026 was 12.81%.

The industry rank for Fidelity D & D Bancorp's 10-Year RORE % or its related term are showing as below:

FDBC's 10-Year RORE % is ranked better than
61.41% of 1091 companies
in the Banks industry
Industry Median: 10.19 vs FDBC: 12.81

Fidelity D & D Bancorp  (NAS:FDBC) 10-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Fidelity D & D Bancorp 10-Year RORE % Related Terms


Fidelity D & D Bancorp 10-Year RORE % Historical Data

* Premium members only.

The historical data trend for Fidelity D & D Bancorp's 10-Year RORE % 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.

Fidelity D & D Bancorp 10-Year RORE % Chart

Fidelity D & D Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.13 17.17 7.38 8.16 12.33

Fidelity D & D Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
10-Year RORE % 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 8.58 9.78 11.32 12.33 12.81

FDBC vs CSHX, VLNT, FCCO: 10-Year RORE % Comparison

For the Banks - Regional subindustry, Fidelity D & D Bancorp's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Fidelity D & D Bancorp's 10-Year RORE % distribution charts can be found below:

* The bar in red indicates where Fidelity D & D Bancorp's 10-Year RORE % falls into.


FDBC
67GF Score
Fidelity D & D Bancorp Inc FDBC
10-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Fidelity D & D Bancorp 10-Year RORE % Calculation

Fidelity D & D Bancorp's 10-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

10-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 10-year -Cumulative Dividends per Share for 10-year )
=( 5.12-2.16 )/( 35.37-12.26 )
=2.96/23.11
=12.81 %

* 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.

In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.

Frequently Asked Questions Learn more about 10-Year RORE % →
What does a 10-Year RORE % of 12.81 mean?
Fidelity D & D Bancorp (FDBC) has a 10-Year RORE % of 12.81 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Fidelity D & D Bancorp and its competitors. According to the industry distribution chart, Fidelity D & D Bancorp ranks #421 out of 1091 companies in the Banks industry, placing it in the top 38.6%.
Is Fidelity D & D Bancorp's 10-Year RORE % too high?
Fidelity D & D Bancorp's current 10-Year RORE % is 12.81. The Banks industry median 10-Year RORE % is 10.19. Fidelity D & D Bancorp's value of 12.81 is 25.7% above this industry median. Based on the distribution chart, Fidelity D & D Bancorp ranks #421 out of 1091 companies in the Banks industry, which is above 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 10-Year RORE % compare to CSHX and VLNT?
According to the Banks industry distribution chart, Fidelity D & D Bancorp ranks #421 out of 1091 companies for 10-Year RORE %. This puts Fidelity D & D Bancorp in the upper half of its industry. The industry median 10-Year RORE % is 10.19. Fidelity D & D Bancorp's value of 12.81 is 25.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, based on 1,091 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fidelity D & D Bancorp's current 10-Year RORE % of 12.81 is 25.7% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Fidelity D & D Bancorp and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity D & D Bancorp's current 10-Year RORE % is 12.81. 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 $52.07, compared to a current price of $51.42 — trading 1.2% below its estimated fair value. The current 10-Year RORE % is 12.81 and 25.7% above the Banks industry median of 10.19. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Fidelity D & D Bancorp (FDBC), the current 10-Year RORE % is 12.81 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 $51.42 is trading 1.2% below its estimated GF Value™ of $52.07. GuruFocus considers Fidelity D & D Bancorp to be Fairly Valued.

Key valuation signals for FDBC:

  • 10-Year RORE %: 12.81
  • GF Value™: $52.07 vs. price of $51.42 (1.2% below fair value)
  • GF Score™: 67/100 with 2 warning signs
  • Industry Position: 25.7% above the Banks median (#421 of 1091)

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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.42
Price
$52.07
GF Value