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Upturn AI SWOT - About
FDBC 
Fidelity D&D Bancorp Inc (FDBC)
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Upturn Advisory Summary
08/15/2025: FDBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -32.2% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 265.36M USD | Price to earnings Ratio 12.27 | 1Y Target Price - |
Price to earnings Ratio 12.27 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.93 | 52 Weeks Range 36.66 - 59.68 | Updated Date 06/29/2025 |
52 Weeks Range 36.66 - 59.68 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.48% | Basic EPS (TTM) 3.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.72% | Operating Margin (TTM) 32.88% |
Management Effectiveness
Return on Assets (TTM) 0.84% | Return on Equity (TTM) 10.78% |
Valuation
Trailing PE 12.27 | Forward PE - | Enterprise Value 72842672 | Price to Sales(TTM) 3.26 |
Enterprise Value 72842672 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 5767500 | Shares Floating 4695033 |
Shares Outstanding 5767500 | Shares Floating 4695033 | ||
Percent Insiders 18.6 | Percent Institutions 22.2 |
Upturn AI SWOT
Fidelity D&D Bancorp Inc
Company Overview
History and Background
Fidelity D&D Bancorp, Inc. operates as the bank holding company for Fidelity Deposit and Discount Bank. Founded in 1909, the bank has grown organically and through acquisitions, focusing on community banking in Northeastern Pennsylvania.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides investment management, trust services, and financial planning.
Leadership and Structure
The company is led by a board of directors and executive management team. Organizational structure includes departments for lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share varies by region; competitors include larger national and regional banks. Revenue data not publicly available.
- Residential Mortgages: Mortgages for purchasing or refinancing homes. Competitors include national mortgage lenders and other regional banks. Revenue data not publicly available. Highly competitive market where customer service and rates matter most.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all other banks and credit unions. Revenue data not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focused on maintaining relationships and providing personalized service.
Positioning
Fidelity D&D Bancorp Inc positions itself as a community-focused bank with strong customer relationships and a commitment to local communities. It competes with larger regional and national banks, as well as credit unions and fintech companies.
Total Addressable Market (TAM)
The TAM for banking services in Northeastern Pennsylvania is estimated to be in the billions of dollars. Fidelity D&D Bancorp Inc aims to capture a significant share of this market through its local presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger competitors
- Dependence on traditional banking services
- Less resources to invest in technology
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Growth in wealth management business
- Increased use of technology to improve efficiency
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNW
- ESSA
- FNCB
Competitive Landscape
Fidelity D&D Bancorp Inc competes in a fragmented market with larger regional and national banks. Its advantages include strong customer relationships and local expertise. Disadvantages include smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to real-time financial statements. Generic information is shown below and is for illustrative purposes only.
Future Projections: Future projections require access to analyst estimates. Generic information is shown below and is for illustrative purposes only.
Recent Initiatives: Recent initiatives require access to real-time news. Generic information is shown below and is for illustrative purposes only.
Summary
Fidelity D&D Bancorp is a community-focused bank with strong ties to Northeastern Pennsylvania. Its strengths lie in its established customer relationships and local expertise. However, it faces challenges from larger competitors and the need to adapt to changing technology. Successful growth will require strategic initiatives to expand its reach and enhance its service offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Financial data may not be real-time and is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fidelity D&D Bancorp Inc
Exchange NASDAQ | Headquaters Dunmore, PA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. Daniel J. Santaniello | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 289 | Website https://www.bankatfidelity.com |
Full time employees 289 | Website https://www.bankatfidelity.com | ||
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, individual retirement accounts, 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.
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