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Upturn AI SWOT - About
FDBC 
Fidelity D&D Bancorp Inc (FDBC)
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Upturn Advisory Summary
10/30/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -38.01% | 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 10/30/2025 |
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. was established in 1902 and has grown from a small bank into a regional financial institution serving Northeastern Pennsylvania. Over its history, it has focused on community banking and strategic acquisitions to expand its footprint.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgage loans, and consumer loans to individuals and families.
- Wealth Management: Offers investment advisory and financial planning services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Its organizational structure consists of various departments responsible for different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share is regional, competing with larger national and regional banks like PNC and Wells Fargo. Specific market share data unavailable.
- Mortgage Loans: Provides mortgage loans to individuals for purchasing homes. Competitors include national lenders like Rocket Mortgage and local credit unions. Specific market share data unavailable.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors are regional and national banks. Specific market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is currently influenced by rising interest rates, increased regulatory scrutiny, and technological advancements that are reshaping customer expectations. There are also ongoing consolidation trends as smaller banks look to merge to compete with larger entities. Regional Banks are impacted by the failure of larger banks during 2023.
Positioning
Fidelity D&D Bancorp Inc. positions itself as a community-focused bank, offering personalized service and local expertise. It competes with larger regional and national banks, as well as smaller community banks and credit unions.
Total Addressable Market (TAM)
The TAM for banking services in Northeastern Pennsylvania and adjacent regions is estimated to be in the billions of dollars. Fidelity D&D Bancorp Inc. targets a specific segment within this TAM, focusing on personalized service and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid capital base
- Customer loyalty
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger competitors
- Dependence on local economy
- Lack of tech advancements
Opportunities
- Expanding into new markets within Pennsylvania
- Acquiring smaller banks or credit unions
- Offering new digital banking services
- Increasing wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- Wells Fargo
- Fulton Financial Corporation (FFTL)
- M&T Bank (MTB)
Competitive Landscape
Fidelity D&D Bancorp Inc. competes with larger regional and national banks on pricing and product offerings. Its advantage lies in personalized service and community ties.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require analysis of past financial statements.
Future Projections: Future projections are typically available from analyst reports and company guidance.
Recent Initiatives: Recent initiatives would be outlined in company press releases and investor presentations.
Summary
Fidelity D&D Bancorp Inc. is a community-focused bank with a solid foundation in Northeastern Pennsylvania. Its strengths lie in customer loyalty and local market expertise. However, its limited geographic presence and smaller scale pose challenges in competing with larger banks. Expansion into new markets and strategic initiatives could improve their competitive position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated based on available reports.
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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