FDBCNasdaqNational Commercial BanksFiscal year ends December 31
FIDELITY D & D BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$58.63+0.48 (+0.83%)
Close on Oct 19, 2026
- Market cap
- $345.40M
- P/E (TTM)
- 11.2
- Dividend yield
- 2.78%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
30.2%+8.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +15.3% | +1.6% | +9.6% | +11.6% | |
| Net income | +35.6% | -2.1% | +16.7% | +14.8% | |
| EPS, diluted | +35.0% | -2.8% | +11.5% | +9.6% | |
| Free cash flow | -0.3% | -17.3% | – | +5.8% | |
| Dividend per share | +5.8% | +6.5% | +7.4% | +7.8% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.8% | 9.5% | 12.7% | |
| Return on assets | 1.0% | 1.0% | 1.1% | |
| Capex to revenue | 4.5% | 2.4% | 18.8% | |
| Diluted shares | 4M | 5M | 6M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Fidelity D & D Bancorp generated $158.24M from operations and spent $77.77M on capital expenditure, dividends and share buybacks. 48% of that went back into the business.
Generated
$158.24M
Used
$77.77M
Capital expenditure$37.19M48%Dividends$39.32M51%Share buybacks$1.26M2%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin30.2%
×Asset turnover0.03×
×Equity multiplier12.04×
=Return on equity, FY202512.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 30.2% | 0.03× | 12.04× | 12.7% |
| FY2024 | 25.7% | 0.03× | 12.93× | 10.6% |
| FY2023 | 24.8% | 0.03× | 13.85× | 10.3% |
| FY2022 | 33.8% | 0.04× | 12.80× | 16.0% |
| FY2021 | 30.0% | 0.04× | 10.88× | 12.7% |
| FY2020 | 22.1% | 0.04× | 9.91× | 9.5% |
| FY2019 | 27.6% | 0.04× | 9.94× | 11.6% |
| FY2018 | 27.8% | 0.04× | 10.20× | 12.2% |
| FY2017 | 24.1% | 0.04× | 9.86× | 10.4% |
| FY2016 | 23.2% | 0.04× | 9.70× | 9.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$28.20M
- Cash generatingOperating cash flow above zero$42.36M
- Return on assets improvedROA up on the prior year0.8% → 1.1%
- Earnings backed by cashOperating cash flow above net income$42.36M vs $28.20M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise6M → 6M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04