Fidelity D&D Bancorp Inc (FDBC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Fidelity D&D Bancorp Inc stock $40.46, price $68.70, that is 41.1% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Fidelity D&D Bancorp Inc
FDBC · USOur calculation puts a fair price 41% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range $30.78 – $70.07 · fair‑value band $36.08 – $52.01 · the $68.70 price screens above the $40.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.
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Company profile
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.
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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.
Stock analysis
Fidelity D&D Bancorp Inc (FDBC) currently trades at $68.70, while our model-based Fair Value estimate is $40.46, 41% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $57.90 per share, and 0 of the 6 models we run sit above the $68.70 price.
Bear case: the Dividend Discount group reads lowest at $22.53, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $36.08 (bear) to $52.01 (bull), the price of $68.70 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fidelity D&D Bancorp Inc reported revenue of $140M in FY2025 versus $79.8M in FY2021, a compound +15.2%/yr. Reported net income was $28.2M in FY2025, compounding +4.1%/yr from FY2021.
Key figures
Market cap $405M Small · P/E ratio 12.7 · P/S ratio 4.06 · EPS (TTM) $5.41 · Dividend yield 2.5% · Net margin 32.2% · Return on equity 13.5% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 67% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −41%, FDBC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $0, on Sep 14, 2026. Over the same period, one person sold shares worth $34,675.
- SalePaul C. WoelkersDirector500 shares at $69.35$34,675Nov 4, 2026
- BuyBrian J CaliChairman of the Board, Director5× since Nov 10, 2025: 3,082 shares, avg. ?Sep 14, 2026
- BuyMichael J McDonaldVice Chairman, Director10,415 shares at $48.01$500,000Feb 5, 2026
- BuyDaniel J SantanielloPresident & CEO, Director1,000 shares at $44.50$44,500Nov 10, 2025
- BuyWilliam J. Joyce Sr.Director1,000 shares at $44.50$44,500Nov 10, 2025
- Plan buyRocco DelVecchioDirector26 shares at ?Dec 5, 2025
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FDBC screens overvalued: fair value 41% below the price. Compare with China Merchants Bank Co →
Compare Fidelity D&D Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FDBC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FDBC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FDBC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FDBC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FDBC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FDBC |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs FDBC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FDBC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FDBC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FDBC |
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Frequently asked questions
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Key figures of Fidelity D&D Bancorp Inc
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