Fidelity D&D Bancorp Inc (FDBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Fidelity D&D Bancorp Inc stock (FDBC) is currently trading at $43.55. Fidelity D&D Bancorp Inc PE ratio is 9.97. Fidelity D&D Bancorp Inc PS ratio (Price-to-Sales) is 2.67. WallStSmart rates FDBC as Hold.
- FDBC PE ratio analysis and historical PE chart
- FDBC PS ratio (Price-to-Sales) history and trend
- FDBC intrinsic value — DCF, Graham Number, EPV models
- FDBC stock price prediction 2025 2026 2027 2028 2029 2030
- FDBC fair value vs current price
- FDBC insider transactions and insider buying
- Is FDBC undervalued or overvalued?
- Fidelity D&D Bancorp Inc financial analysis — revenue, earnings, cash flow
- FDBC Piotroski F-Score and Altman Z-Score
- FDBC analyst price target and Smart Rating
Fidelity D&D Bancorp Inc
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FDBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Fidelity D&D Bancorp Inc (FDBC)
FDBC trades at a significant discount to its Graham intrinsic value of $211.07, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Fidelity D&D Bancorp Inc (FDBC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
Fidelity D&D Bancorp Inc (FDBC) Key Strengths (4)
Keeps $38 of every $100 in revenue after operating costs
Earnings per share surging 47.70% year-over-year
Keeps $29 of every $100 in revenue as net profit
Trading at 1.04x book value, attractively priced
Supporting Valuation Data
Fidelity D&D Bancorp Inc (FDBC) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low institutional interest, mostly retail-driven
Moderate profitability with room for improvement
Revenue is fairly priced at 2.67x sales
Solid revenue growth at 18.50% per year
Fidelity D&D Bancorp Inc (FDBC) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.04) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.40%, Profit Margin at 29.40%. Growth metrics are encouraging with EPS Growth at 47.70%.
The Bear Case
The primary concerns are Market Cap, Institutional Own., Return on Equity. Some valuation metrics including Price/Sales (2.67) suggest expensive pricing. Growth concerns include Revenue Growth at 18.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 18.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FDBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FDBC's Price-to-Sales ratio of 2.67x trades 49% below its historical average of 5.25x (6th percentile). The current valuation is 74% below its historical high of 10.28x set in Sep 2018, and 36% above its historical low of 1.96x in May 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for Fidelity D&D Bancorp Inc (FDBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Fidelity D&D Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 89M with 19% growth year-over-year. Profit margins are strong at 29.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1200.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 29.4% and operating margin of 38.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 358.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Fidelity D&D Bancorp Inc.
Bottom Line
Fidelity D&D Bancorp Inc offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Fidelity D&D Bancorp Inc(FDBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Fidelity D & D Bancorp, Inc. is the banking holding company for The Fidelity Deposit and Discount Bank, providing a variety of banking, trust and financial services to individuals, small businesses and corporate clients. The company is headquartered in Dunmore, Pennsylvania.