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Upturn AI Summary - About
Fidelity D&D Bancorp Inc(FDBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FDBC
11/02/2026: FDBC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Fidelity D&D Bancorp is a regional bank holding company centered in Northeast Pennsylvania, providing a range of commercial, retail, and trust services. Its core strength lies in deep-rooted community relationships and a historically conservative approach to loan underwriting. The company's primary growth opportunity centers on expanding its regional footprint and increasing fee-based revenue from its wealth management division. Investors face risks including geographic concentration, sensitivity to local economic conditions, and competition from larger national institutions for deposits. The stock is best suited for income-focused and conservative investors, though market watchers should monitor the company's progress in digital transformation and management of net interest margins.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate and tied closely to the economic health of the Pennsylvania region. |
| Momentum investor | Weak fit | The stock typically displays low beta and is not driven by high-velocity momentum factors. |
| Value investor | Strong fit | The stock often trades at valuations consistent with regional bank peers, potentially appealing to value-oriented investors. |
| Dividend investor | Strong fit | The company maintains a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a regulated financial institution with a conservative profile, it is generally lower volatility than growth-stage equities. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Stock price is influenced by macroeconomic interest rate trends. |
| Valuation risk | Medium | Market valuation depends on the stability of the bank's net interest margin. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from larger banks can compress interest margins. |
| Business quality | Medium | The bank has a stable, conservative franchise model. |
| Dividend income | Low | Dividend payments have been reliable, though not high-yield. |
| Execution risk | Medium | Integration of future acquisitions is required for growth. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -11.84% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 382.32M USD | Price to earnings Ratio 11.92 | 1Y Target Price - |
Price to earnings Ratio 11.92 | 1Y Target Price - | ||
Volume (30-day avg) 11.8K shares | Beta 0.81 | 52 Weeks Range 39.92 - 68.05 | Updated Date 11/01/2026 |
52 Weeks Range 39.92 - 68.05 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 5.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by collecting interest on loans that is higher than the interest they pay to depositors. |
| Fee-Based Services | Wealth management fees, trust services, and service charges on deposit accounts. | This provides stable, non-interest income that helps diversify the bank's earnings. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When - | Estimate - | Actual 1.53 |
Profitability
Profit Margin 32.22% | Operating Margin (TTM) 40.07% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 13.51% |
Valuation
Trailing PE 11.92 | Forward PE - | Enterprise Value 346.13M | Price to Sales(TTM) 3.83 |
Enterprise Value 346.13M | Price to Sales(TTM) 3.83 | ||
Enterprise Value to Revenue 5.07 | Enterprise Value to EBITDA - | Shares Outstanding 5.81M | Shares Floating 4.44M |
Shares Outstanding 5.81M | Shares Floating 4.44M | ||
Percent Insiders 21.26 | Percent Institutions 26.34 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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