What is Fidelity Dam's earnings per share (EPS)?

Fidelity Dam (FDBC) reported diluted earnings per share of $4.86 for fiscal year 2025. This represents a 35.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Fidelity Dam Financials

FDBC

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Fidelity Dam (FDBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FDBC FY2025 2026-05-08

Higher asset productivity and rebuilding capital are lifting profits, while leverage still magnifies modest banking spreads.

Across the last three valid years, ROA rose to 1.0% and ROE to 11.8% even as leverage eased, which implies the bank is earning more from each dollar of assets rather than leaning harder on its balance sheet. Operating cash flow climbed to $42.4M, but free cash flow held near $24.8M because reinvestment absorbed much of that improvement.

With $2.75B of assets backed by only $238.9M of equity, this remains a highly leveraged spread business where relatively small changes in asset returns meaningfully affect shareholder returns. That is why a seemingly modest return on assets of 1.0% can still produce an 11.8% return on equity.

The capital base is thickening through earnings retention: retained earnings reached $158.8M while dividends paid were $9.4M, so internally generated capital is still doing more of the strengthening than external financing. Cash balances also rose to $148.1M from $83.4M, adding liquidity cushion even though liabilities remain large relative to equity.

Financial Health Signals

Financial Health Score 38/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Fidelity Dam's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

6/6

Fidelity Dam passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.50x

For every $1 of reported earnings, Fidelity Dam generates $1.50 in operating cash flow ($42.4M OCF vs $28.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$119.8M

YoY+12.0%

5Y CAGR+19.3%

10Y CAGR+16.5%

Fidelity Dam generated $119.8M in revenue in fiscal year 2025. This represents an increase of 12.0% from the prior year.

EBITDA

N/A

Net Income

$28.2M

YoY+35.6%

5Y CAGR+16.7%

10Y CAGR+14.8%

Fidelity Dam reported $28.2M in net income in fiscal year 2025. This represents an increase of 35.6% from the prior year.

EPS (Diluted)

$4.86

YoY+35.0%

5Y CAGR+11.5%

10Y CAGR+9.6%

Fidelity Dam earned $4.86 per diluted share (EPS) in fiscal year 2025. This represents an increase of 35.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$24.8M

YoY-0.3%

10Y CAGR+5.8%

Fidelity Dam generated $24.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.3% from the prior year.

Cash & Debt

$148.1M

YoY+77.6%

5Y CAGR+16.4%

10Y CAGR+28.3%

Fidelity Dam held $148.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.63

YoY+5.8%

5Y CAGR+7.4%

10Y CAGR+7.8%

Fidelity Dam paid $1.63 per share in dividends in fiscal year 2025. This represents an increase of 5.8% from the prior year.

Shares Outstanding

YoY-2.9%

5Y CAGR+2.3%

10Y CAGR+8.6%

Fidelity Dam had 6M shares outstanding in fiscal year 2025. This represents a decrease of 2.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

23.5%

YoY+4.1pp

5Y CAGR-2.8pp

10Y CAGR-3.8pp

Fidelity Dam's net profit margin was 23.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.1 percentage points from the prior year.

Return on Equity

11.8%

YoY+1.6pp

5Y CAGR+4.0pp

10Y CAGR+2.5pp

Fidelity Dam's ROE was 11.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$17.5M

YoY+276.0%

5Y CAGR+66.0%

10Y CAGR+27.1%

Fidelity Dam invested $17.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 276.0% from the prior year.

FDBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$119.8M+12.0%	$107.0M+14.1%	$93.8M+19.3%	$78.7M+20.2%	$65.5M+32.3%	$49.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$30.8M+6.9%	$28.8M+12.5%	$25.6M-4.9%	$27.0M+11.9%	$24.1M+34.9%	$17.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$47.2M+4.5%	$45.2M+42.1%	$31.8M+396.8%	$6.4M+75.8%	$3.6M-31.5%	$5.3M
Income Tax	$4.9M+60.7%	$3.1M+50.4%	$2.0M-62.4%	$5.4M+36.1%	$4.0M+77.9%	$2.2M
Net Income	$28.2M+35.6%	$20.8M+14.2%	$18.2M-39.3%	$30.0M+25.0%	$24.0M+84.2%	$13.0M
EPS (Diluted)	$4.86+35.0%	$3.60+12.9%	$3.19-39.7%	$5.29+18.1%	$4.48+58.9%	$2.82

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$30.5M-2.0%	$31.1M+1.3%	$30.7M+3.1%	$29.8M+5.1%	$28.3M+0.9%	$28.1M+2.8%	$27.3M+4.8%	$26.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.1M+5.6%	$7.7M-1.1%	$7.8M+0.8%	$7.7M+0.2%	$7.7M+1.1%	$7.6M+6.1%	$7.2M+3.5%	$6.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.1M-6.4%	$11.8M-3.7%	$12.3M+3.5%	$11.8M+5.0%	$11.3M-3.5%	$11.7M-1.5%	$11.9M+8.7%	$10.9M
Income Tax	$979K-23.0%	$1.3M+2.0%	$1.2M-6.8%	$1.3M+22.5%	$1.1M+32.2%	$825K+4.0%	$793K+3.5%	$766K
Net Income	$7.5M-6.0%	$7.9M+8.1%	$7.3M+6.1%	$6.9M+15.5%	$6.0M+2.7%	$5.8M+17.5%	$5.0M+0.6%	$4.9M
EPS (Diluted)	$1.28	N/A	$1.270.0%	$1.27+23.3%	$1.03	N/A	$0.860.0%	$0.86

FDBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.7B+6.3%	$2.6B+3.3%	$2.5B+5.2%	$2.4B-1.7%	$2.4B+42.3%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$148.1M+77.6%	$83.4M-25.5%	$111.9M+284.8%	$29.1M-70.0%	$96.9M+39.7%	$69.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M+178.3%	$7.1M
Total Liabilities	$2.5B+5.4%	$2.4B+2.9%	$2.3B+4.4%	$2.2B+0.4%	$2.2B+44.0%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$238.9M+17.1%	$204.0M+7.6%	$189.5M+16.3%	$162.9M-23.0%	$211.7M+27.0%	$166.7M
Retained Earnings	$158.8M+13.3%	$140.1M+9.2%	$128.3M+7.1%	$119.8M+22.9%	$97.4M+21.7%	$80.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.9B+4.0%	$2.7B+0.4%	$2.7B+1.4%	$2.7B-0.5%	$2.7B+4.9%	$2.6B-1.2%	$2.6B+4.6%	$2.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$155.0M+4.7%	$148.1M+4.1%	$142.2M-14.1%	$165.5M-21.6%	$211.2M+153.4%	$83.4M-30.6%	$120.2M+53.9%	$78.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M
Total Liabilities	$2.6B+4.2%	$2.5B+0.1%	$2.5B+1.1%	$2.5B-0.8%	$2.5B+5.0%	$2.4B-1.2%	$2.4B+4.5%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$244.7M+2.4%	$238.9M+4.2%	$229.2M+5.2%	$217.9M+2.9%	$211.7M+3.8%	$204.0M-1.6%	$207.3M+5.9%	$195.7M
Retained Earnings	$163.8M+3.1%	$158.8M+3.5%	$153.4M+3.4%	$148.4M+3.2%	$143.8M+2.6%	$140.1M+2.6%	$136.6M+2.1%	$133.8M

FDBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$42.4M+43.3%	$29.6M-0.4%	$29.7M-39.9%	$49.4M+586.6%	$7.2M+2332.1%	$296K
Capital Expenditures	$17.5M+276.0%	$4.7M-32.9%	$7.0M+26.1%	$5.5M+118.8%	$2.5M+81.3%	$1.4M
Free Cash Flow	$24.8M-0.3%	$24.9M+9.5%	$22.7M-48.2%	$43.9M+838.5%	$4.7M+527.7%	-$1.1M
Investing Cash Flow	-$95.3M+16.1%	-$113.6M-222.0%	-$35.3M+69.4%	-$115.4M+61.9%	-$303.2M-84.6%	-$164.2M
Financing Cash Flow	$117.6M+112.2%	$55.4M-37.3%	$88.4M+4946.1%	-$1.8M-100.6%	$323.6M+48.7%	$217.6M
Dividends Paid	$9.4M+6.3%	$8.8M+31.1%	$6.8M-12.4%	$7.7M+16.7%	$6.6M+22.9%	$5.4M
Share Buybacks	N/A	N/A	$0-100.0%	$1.3M	$0	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$7.6M-21.8%	$9.7M+14.9%	$8.4M-33.0%	$12.6M+7.7%	$11.7M+80.7%	$6.5M-28.8%	$9.1M+4.4%	$8.7M
Capital Expenditures	$4.3M-20.7%	$5.4M-12.6%	$6.2M+9.4%	$5.7M+3190.2%	$173K-70.5%	$587K-54.6%	$1.3M-12.5%	$1.5M
Free Cash Flow	$3.3M-23.2%	$4.2M+92.8%	$2.2M-68.1%	$6.9M-40.1%	$11.5M+95.8%	$5.9M-24.5%	$7.8M+7.8%	$7.2M
Investing Cash Flow	-$106.1M-6293.6%	-$1.7M+97.3%	-$61.2M-81.5%	-$33.7M-2692.6%	$1.3M+109.2%	-$14.2M+77.9%	-$64.1M-135.0%	-$27.3M
Financing Cash Flow	$105.5M+5083.7%	-$2.1M-107.2%	$29.4M+219.8%	-$24.6M-121.4%	$114.9M+494.5%	-$29.1M-130.0%	$97.1M+305.8%	$23.9M
Dividends Paid	$2.5M+4.4%	$2.4M+3.1%	$2.3M0.0%	$2.3M+0.4%	$2.3M+0.1%	$2.3M+5.2%	$2.2M0.0%	$2.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FDBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%+4.1pp	19.4%+0.0pp	19.4%-18.8pp	38.2%+1.5pp	36.7%+10.3pp	26.3%
Return on Equity	11.8%+1.6pp	10.2%+0.6pp	9.6%-8.8pp	18.4%+7.1pp	11.3%+3.5pp	7.8%
Return on Assets	1.0%+0.2pp	0.8%+0.1pp	0.7%-0.5pp	1.3%+0.3pp	1.0%+0.2pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.50-1.2	11.67-0.5	12.21-1.4	13.60+3.2	10.43+1.2	9.20
FCF Margin	20.7%-2.5pp	23.3%-1.0pp	24.2%-31.6pp	55.8%+48.7pp	7.1%+9.4pp	-2.2%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.5%-1.1pp	25.5%+1.6pp	23.9%+0.7pp	23.3%+2.1pp	21.2%+0.4pp	20.8%+2.6pp	18.2%-0.8pp	18.9%
Return on Equity	3.0%-0.3pp	3.3%+0.1pp	3.2%+0.0pp	3.2%+0.4pp	2.8%-0.0pp	2.9%+0.5pp	2.4%-0.1pp	2.5%
Return on Assets	0.3%-0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.69+0.2	10.50-0.4	10.94-0.4	11.38-0.4	11.81+0.1	11.67+0.1	11.62-0.2	11.78
FCF Margin	10.7%-2.9pp	13.6%+6.5pp	7.2%-16.0pp	23.1%-17.5pp	40.6%+19.7pp	20.9%-7.5pp	28.5%+0.8pp	27.7%

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Frequently Asked Questions

What is Fidelity Dam's annual revenue?

Fidelity Dam (FDBC) reported $119.8M in total revenue for fiscal year 2025. This represents a 12.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Fidelity Dam's revenue growing?

Fidelity Dam (FDBC) revenue grew by 12% year-over-year, from $107.0M to $119.8M in fiscal year 2025.

Is Fidelity Dam profitable?

Yes, Fidelity Dam (FDBC) reported a net income of $28.2M in fiscal year 2025, with a net profit margin of 23.5%.

What is Fidelity Dam's net profit margin?

Fidelity Dam (FDBC) had a net profit margin of 23.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Fidelity Dam pay dividends?

Yes, Fidelity Dam (FDBC) paid $1.63 per share in dividends during fiscal year 2025.

What is Fidelity Dam's return on equity (ROE)?

Fidelity Dam (FDBC) has a return on equity of 11.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Fidelity Dam's free cash flow?

Fidelity Dam (FDBC) generated $24.8M in free cash flow during fiscal year 2025. This represents a -0.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Fidelity Dam's operating cash flow?

Fidelity Dam (FDBC) generated $42.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Fidelity Dam's total assets?

Fidelity Dam (FDBC) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Fidelity Dam's capital expenditures?

Fidelity Dam (FDBC) invested $17.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Fidelity Dam have outstanding?

Fidelity Dam (FDBC) had 6M shares outstanding as of fiscal year 2025.

What is Fidelity Dam's debt-to-equity ratio?

Fidelity Dam (FDBC) had a debt-to-equity ratio of 10.50 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Fidelity Dam's return on assets (ROA)?

Fidelity Dam (FDBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Fidelity Dam's Piotroski F-Score?

Fidelity Dam (FDBC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Fidelity Dam's earnings high quality?

Fidelity Dam (FDBC) has an earnings quality ratio of 1.50x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Fidelity Dam?

Fidelity Dam (FDBC) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.