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Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. The company accepts savings, club, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also offers commercial and industrial, commercial real estate, consumer, and residential mortgage loans. In addition, the company provides government and healthcare banking services, cash management and merchant services, and credit and debit cards; and alternative financial and insurance products with asset management services, as well as online banking, telephone banking, and digital wallet. The company was founded in 1902 and is headquartered in Dunmore, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $91M | - | $28M | $25M | 11.8% | 14.4% | 35.6% |
| 2024 | $80M | - | $21M | $25M | 10.2% | 9.8% | 14.2% |
| 2023 | $73M | - | $18M | $23M | 9.6% | -16.8% | -39.3% |
| 2022 | $87M | - | $30M | $44M | 18.4% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 87.49 | 72.77 | 79.92 | 91.42 |
| Pretax Income | 35.47 | 20.26 | 23.87 | 33.14 |
| Tax Provision | 5.45 | 2.05 | 3.08 | 4.95 |
| Net Income | 30.02 | 18.21 | 20.79 | 28.20 |
| Net Income Common Stockholders | 30.02 | 18.21 | 20.79 | 28.20 |
| Interest Expense | 6.40 | 31.79 | 45.16 | 47.17 |
| Interest Income | 78.67 | 93.83 | 107.02 | 119.84 |
| Selling General And Administration | 31.05 | 29.94 | 32.95 | 35.39 |
| Normalized Income | 30.19 | 18.40 | 20.80 | 27.95 |
| Basic EPS | 5.32 | 3.21 | 3.63 | 0 |
| Diluted EPS | 5.29 | 3.19 | 3.60 | 0 |
| Tax Effect Of Unusual Items | -0.03 | -0.02 | 0 | 0.04 |
| Tax Rate For Calcs | 0.15 | 0.10 | 0.13 | 0.15 |
| Total Unusual Items | -0.20 | -0.22 | -0.01 | 0.30 |
| Total Unusual Items Excluding Goodwill | -0.20 | -0.22 | -0.01 | 0.30 |
| Net Income From Continuing Operation Net Minority Interest | 30.02 | 18.21 | 20.79 | 28.20 |
| Reconciled Depreciation | 5.25 | 5.70 | 5.67 | 5.50 |
| Net Interest Income | 72.27 | 62.05 | 61.87 | 72.67 |
| Net Income From Continuing And Discontinued Operation | 30.02 | 18.21 | 20.79 | 28.20 |
| Diluted Average Shares | 5.68 | 5.71 | 5.78 | 0 |
| Basic Average Shares | 5.64 | 5.67 | 5.73 | 0 |
| Diluted NI Availto Com Stockholders | 30.02 | 18.21 | 20.79 | 28.20 |
| Net Income Including Noncontrolling Interests | 30.02 | 18.21 | 20.79 | 28.20 |
| Net Income Continuous Operations | 30.02 | 18.21 | 20.79 | 28.20 |
| Special Income Charges | -0.20 | -0.22 | -0.01 | 0.30 |
| Impairment Of Capital Assets | 0.20 | 0.22 | 0.01 | -0.30 |
| Restructuring And Mergern Acquisition | 0 | 0 | 0 | 0 |
| Gain On Sale Of Security | 0 | -6.47 | 0 | -1.19 |
| Selling And Marketing Expense | 3.38 | 3.17 | 2.88 | 3.31 |
| General And Administrative Expense | 27.67 | 26.77 | 30.07 | 32.08 |
| Other Gand A | 4.87 | 0 | 0 | 0 |
| Insurance And Claims | 0.69 | 1.12 | 1.23 | 1.24 |
| Salaries And Wages | 26.98 | 25.64 | 28.84 | 30.84 |
| Operating Revenue | 87.49 | 72.77 | 79.92 | 91.42 |
| Occupancy And Equipment | 7.62 | 8.79 | 8.78 | 9.79 |
| Professional Expense And Contract Services Expense | 3.44 | 3.82 | 4.39 | 4.04 |
| Other Non Interest Expense | 9.24 | 9.32 | 9.41 | 9.60 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Fidelity D & D Bancorp, Inc.this co. | FDBC | $258M | 8.70↓ discount | 1.05 | 11.8% | - |
| First Western Financial, Inc. | MYFW | $270M | 18.01 | 0.99 | 5.0% | - |
| NI Holdings, Inc. | NODK | $267M | - | 1.11 | -4.3% | -18.82 |
| Oportun Financial Corporation | OPRT | $258M | 10.92 | 0.66 | 6.5% | - |
| First National Corporation | FXNC |
| $253M |
| 14.26 |
| 1.35 |
| 9.5% |
| - |
| C&F Financial Corporation | CFFI | $249M | 8.81 | 0.94 | 10.2% | - |
| Ames National Corporation | ATLO | $248M | 11.57 | 1.19 | 9.2% | - |
| Kingstone Companies, Inc. | KINS | $245M | 5.89 | 1.99 | 33.2% | 4.55 |
| Chain Bridge Bancorp, Inc. | CBNA | $243M | 11.18 | 1.43 | 12.0% | - |
| Peer Median | - | 11.18 | 1.15 | 9.3% | -7.13 | |