Obermatt

Fidelity D & D Bancorp

NMQ:FDBC · US31609R1005
BanksX-Small

360

90
Medium confidence — indicative
Profit price81
Cash yield1
Price/Sales76
EV / Gross Profit78
Price/Book63
Returns on capital24
Profit margins
Cash Conversion67
Accruals22
Owner Earnings Margin12
Sales growth51
Profit Growth52
Owner Earnings Growth8
Reinvestment86
Price momentum18
Debt load90
Debt serviceability35
Liquidity52
Analyst ratings
Expectations trend
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Fidelity D & D Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded1999
ISINUS31609R1005
Last UpdateApr 2, 2026

Description

Fidelity D & D Bancorp, Inc. operates as a bank holding company for the Fidelity Deposit and Discount Bank (the bank) that offers a full range of traditional banking services. The company is headquartered at Blakely and Drinker Streets in Dunmore, P…

Analysis

Quality compounder

Fidelity D & D Bancorp, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is fair. The owner-earnings multiple stands at 21.5×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
60
20232026

All-time high

77

Jan 2023

All-time low

60

Jun 2026

Average rank

70

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
76
44
Price/Earnings
92
68
Price/Book
63
8
Dividend Yield
1
60
Value (overall)
63
39

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →