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

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $67.45, market value $392 million.

## Valuation
- **P/E (trailing): 12.2×** (5-yr avg 11.5×, 3-yr avg 12.8×). Fidelity D & D Bancorp Inc. trades at 12.2× 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: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.8%** (5-yr avg 9.4%). Free cash flow equals 6.8% of the market value, below its five-year average of 9.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.2%**. The inverse of the P/E: 8.2% 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
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **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: 2.54%** ($1.72 per share, trailing). Fidelity D & D Bancorp Inc. yields 2.54%, 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): 60.3%** (YTD 59.3%, 3-mo 26.2%). The shares are up 60.3% over twelve months including dividends.
- **From 52-week high: -6.3%** (64.5% above the low). Trading 6% below 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): 79**. An RSI of 79 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.25** (volatility 29%). Beta of 0.25 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.