
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT
- About


Fidelity D&D Bancorp Inc (FDBC)



- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)


(see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: FDBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $0
1 Year Target Price $0
0 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.64% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
![]() ![]() | ![]() ![]() |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fidelity D&D Bancorp Inc

Company Overview
History and Background
Fidelity D&D Bancorp, Inc. was founded in 1909 as The Fidelity Deposit and Discount Bank. It has grown through acquisitions and organic expansion to become a leading community bank in Northeastern Pennsylvania.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management, trust, and investment advisory services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes such as expansion and working capital. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks like PNC and Citizens Financial.
- Mortgages: Residential mortgage loans for homebuyers. Market share data is not publicly available at a granular level. Competitors include Rocket Mortgage and local credit unions.
- Wealth Management Services: Offers personalized wealth strategies and investments guidance. Competitors include Vanguard, Schwab, and Fidelity Investments.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Fidelity D&D Bancorp is positioned as a community bank focused on providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its deep understanding of the local market.
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 has a moderate market share and is positioned to grow by expanding its customer base and offering new products and services.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong balance sheet
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Less technological innovation than competitors
Opportunities
- Expand into new markets
- Offer new digital banking services
- Acquire smaller banks
- Increase wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- Citizens Financial Group (CFG)
- Fulton Financial Corporation (FULT)
Competitive Landscape
Fidelity D&D Bancorp faces competition from larger regional and national banks, as well as smaller community banks and credit unions. It differentiates itself through personalized service and local expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to historical financial data, which I do not have access to in real-time.
Future Projections: Future projections require access to analyst estimates, which I do not have.
Recent Initiatives: Recent initiatives likely include expansion of digital banking services and community outreach programs. Access to specific recent initiatives is not available without real-time data feeds.
Summary
Fidelity D&D Bancorp is a community-focused bank with a strong local presence. Its strengths lie in personalized service and an experienced team, but it faces challenges from larger competitors and technological advancements. Future success depends on expanding its digital offerings and leveraging its community relationships.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- SEC Filings (when publicly available)
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Market share estimates are approximate. Financial data is not real-time and may be outdated. This is not financial advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.