# Fidelity D & D Bancorp Inc. (FDBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $55.07, market value $320 million.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 11.5×, 3-yr avg 12.8×). Fidelity D & D Bancorp Inc. trades at 10.4× trailing earnings, close to its own five-year average of 11.5×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.4%** (5-yr avg 9.4%). Free cash flow equals 8.4% of the market value, in line with its five-year average of 9.4%. Above 5% is generally attractive.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Return on equity: 11.8%**. 11.8% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 35.0%** (3-yr -2.8%/yr, 5-yr 11.5%/yr). Earnings per share rose 35.0%.
- **Free-cash-flow growth (3 yr): -17.3%/yr**. Free cash flow has compounded at -17.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $148 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.15%** ($1.69 per share, trailing). Fidelity D & D Bancorp Inc. yields 3.15%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 33%** (36% of free cash flow). 33% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 22**. 22 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 7.4%/yr** (1-yr 5.8%). The dividend has grown 7.4% a year over five years.

## Price and momentum
- **Total return (1 yr): 25.2%** (YTD 28.9%, 3-mo 15.8%). The shares are up 25.2% over twelve months including dividends.
- **From 52-week high: -1.9%** (38.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.48** (volatility 29%). Beta of 0.48 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FDBC · Page: https://foliofundamentals.com/stocks/fdbc

Not investment advice.