What is Fidelity D & D Bancorp, Inc.'s earnings per share (EPS)?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc. (FDBC) Financials

FDBC

Trailing 12 months to June 30, 2026

Revenue $98.8M +13.6% YoY

Net Income $30.6M +29.0% YoY

EPS (Diluted) $5.24 +27.8% YoY

Free Cash Flow $26.8M -16.3% YoY

Market Cap $328.2M as of Oct 13, 2026

Price / Sales 3.3x on $98.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.7x on $30.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $252.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FDBC SEC filings page.

Fidelity D & D Bancorp, Inc. (FDBC) reported $98.8M in revenue over the twelve months to Jun 30, 2026, up 13.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-10-04

Profitability recovered in FY2025, but heavier reinvestment kept free cash flow nearly flat despite stronger operating inflows.

Operating cash flow reached $42.4M in FY2025 against net income of $28.2M, so reported earnings were accompanied by more cash from operations. Yet free cash flow was only $24.8M as capital expenditures climbed to $17.5M, showing that reinvestment—not weaker operating conversion—held back cash available after investment.

The balance sheet remains heavily liability-funded: total liabilities were $2.5B against equity of $238.9M in FY2025, consistent with a financial institution relying substantially on funding beyond shareholder capital. Debt-to-equity fell from 12.2x in FY2023 to 10.5x in FY2025, indicating that equity expanded faster than measured leverage.

The earnings rebound is broader than a single margin move: net profit margin rose from 24.8% in FY2023 to 30.3% in FY2025. Return on assets also improved from 0.7% to 1.0%, indicating better earnings both relative to revenue and against the asset base.

Financial Health Signals

Financial Health Score 40/100

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 D & D Bancorp, Inc.'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

Fidelity D & D Bancorp, Inc. earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Fidelity D & D Bancorp, Inc. scores 53/100 among other banks.

Growth

Fidelity D & D Bancorp, Inc. reported revenue of $93.2M in fiscal year 2025, against $80.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Fidelity D & D Bancorp, Inc. scores 66/100 among other banks.

Capital

Fidelity D & D Bancorp, Inc. funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $238.9M of equity against $2.7B of assets. Capital ranks banks on that cushion, and Fidelity D & D Bancorp, Inc. scores 15/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Fidelity D & D Bancorp, Inc. scores 41/100 on it among other banks.

Credit Quality

Not available for Fidelity D & D Bancorp, Inc., and counted as zero in the overall score.

Stability

Fidelity D & D Bancorp, Inc. reported net income of $28.2M in fiscal year 2025, against $20.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Fidelity D & D Bancorp, Inc. scores 64/100 among other banks.

Piotroski F-Score Partial

5/6

Fidelity D & D Bancorp, Inc. passes 5 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), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.50x

For every $1 of reported earnings, Fidelity D & D Bancorp, Inc. 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

$26.2M

YoY+12.7%

QoQ+6.7%

5Y CAGR+7.9%

10Y CAGR+12.3%

Fidelity D & D Bancorp, Inc. generated $26.2M in revenue in Q2 2026. This represents an increase of 12.7% from the same quarter a year earlier. Against the prior quarter it is up 6.7%.

Net Income

$7.8M

YoY+13.4%

QoQ+5.2%

5Y CAGR+6.6%

10Y CAGR+15.1%

Fidelity D & D Bancorp, Inc. reported $7.8M in net income in Q2 2026. This represents an increase of 13.4% from the same quarter a year earlier. Against the prior quarter it is up 5.2%.

EPS (Diluted)

$1.33

YoY+10.8%

QoQ+3.9%

5Y CAGR+3.3%

10Y CAGR+9.6%

Fidelity D & D Bancorp, Inc. earned $1.33 per diluted share (EPS) in Q2 2026. This represents an increase of 10.8% from the same quarter a year earlier. Against the prior quarter it is up 3.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$17.1M

YoY+149.0%

QoQ+427.5%

5Y CAGR+3.0%

10Y CAGR+15.5%

Fidelity D & D Bancorp, Inc. generated $17.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 149.0% from the same quarter a year earlier. Against the prior quarter it is up 427.5%.

Cash & Debt

$207.7M

YoY+25.5%

QoQ+34.0%

5Y CAGR+4.1%

10Y CAGR+22.2%

Fidelity D & D Bancorp, Inc. held $207.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.43

YoY+7.5%

QoQ0.0%

5Y CAGR+7.5%

10Y CAGR+4.0%

Fidelity D & D Bancorp, Inc. paid $0.43 per share in dividends in Q2 2026. This represents an increase of 7.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.7%

QoQ+0.1%

5Y CAGR+0.6%

10Y CAGR+9.0%

Fidelity D & D Bancorp, Inc. had 6M shares outstanding in Q2 2026. This represents an increase of 0.7% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

29.9%

YoY+0.2pp

QoQ-0.4pp

5Y change-1.9pp

10Y change+6.5pp

Fidelity D & D Bancorp, Inc.'s net profit margin was 29.9% in Q2 2026, showing the share of revenue converted to profit. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.

Return on Equity

3.1%

YoY-0.1pp

QoQ+0.1pp

5Y change-0.2pp

10Y change+0.7pp

Fidelity D & D Bancorp, Inc.'s ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$3.4M

YoY-40.6%

QoQ-21.7%

5Y CAGR+31.5%

10Y CAGR+25.0%

Fidelity D & D Bancorp, Inc. invested $3.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 40.6% from the same quarter a year earlier. Against the prior quarter it is down 21.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FDBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FDBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$98.8M	$93.2M+15.3%	$80.9M+10.1%	$73.5M-17.4%	$88.9M+11.0%	$80.1M+36.1%	$58.9M+40.4%	$41.9M+5.7%	$39.7M+9.5%	$36.2M+9.3%	$33.1M+6.8%	$31.0M+5.9%	$29.3M-6.8%	$31.4M+11.1%	$28.3M+6.6%	$26.5M
SG&A Expenses	$32.0M	$30.8M+6.9%	$28.8M+12.5%	$25.6M-4.9%	$27.0M+11.9%	$24.1M+34.9%	$17.9M+21.0%	$14.8M+7.9%	$13.7M+4.6%	$13.1M+12.7%	$11.6M+10.7%	$10.5M+6.1%	$9.9M+5.5%	$9.4M+2.8%	$9.1M+3.6%	$8.8M
Interest Expense	$46.1M	$47.2M+4.5%	$45.2M+42.1%	$31.8M+396.8%	$6.4M+75.8%	$3.6M-31.5%	$5.3M-29.7%	$7.6M+55.0%	$4.9M+51.2%	$3.2M+36.7%	$2.4M-6.8%	$2.5M-13.3%	$2.9M-1.7%	$3.0M-11.5%	$3.4M-29.6%	$4.8M
Income Tax	$5.2M	$4.9M+60.7%	$3.1M+50.4%	$2.0M-62.4%	$5.4M+36.1%	$4.0M+77.9%	$2.2M-3.3%	$2.3M+9.3%	$2.1M+76.5%	$1.2M-56.4%	$2.8M+52.3%	$1.8M-16.1%	$2.2M-17.8%	$2.6M+69.0%	$1.6M-5.2%	$1.6M
Net Income	$30.6M	$28.2M+35.6%	$20.8M+14.2%	$18.2M-39.3%	$30.0M+25.0%	$24.0M+84.2%	$13.0M+12.6%	$11.6M+5.2%	$11.0M+26.3%	$8.7M+13.3%	$7.7M+8.3%	$7.1M+11.8%	$6.4M-10.8%	$7.1M+45.3%	$4.9M-2.8%	$5.0M
EPS (Basic)	N/A	$4.89+34.7%	$3.63+13.1%	$3.21-39.7%	$5.32+18.0%	$4.51+58.8%	$2.84-7.2%	$3.06+4.4%	$2.93+24.7%	$2.35+12.4%	$2.09+7.7%	$1.94-26.2%	$2.63-13.2%	$3.03+41.6%	$2.14-6.1%	$2.28
EPS (Diluted)	$5.24	$4.86+35.0%	$3.60+12.9%	$3.19-39.7%	$5.29+18.1%	$4.48+58.9%	$2.82-6.9%	$3.03+4.5%	$2.90+24.5%	$2.33+11.5%	$2.09+7.7%	$1.94	$2.62-13.2%	$3.02+41.1%	$2.14-6.1%	$2.28
Diluted Shares (Avg)	N/A	6M+0.4%	6M+1.0%	6M+0.7%	6M+5.9%	5M+16.2%	5M+20.8%	4M+0.7%	4M+1.6%	4M+1.2%	4M+0.6%	4M	2M+2.6%	2M+3.1%	2M+3.3%	2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$26.2M+12.7%	$24.6M+11.8%	$24.4M+15.0%	$23.5M+15.3%	$23.3M+18.0%	$22.0M+12.8%	$21.2M+63.8%	$20.4M+7.6%
SG&A Expenses	$8.5M+10.0%	$8.1M+5.4%	$7.7M+0.9%	$7.8M+8.3%	$7.7M+11.2%	$7.7M+7.9%	$7.6M+18.2%	$7.2M+14.6%
Interest Expense	$11.0M-7.4%	$11.1M-2.0%	$11.8M+1.0%	$12.3M+3.2%	$11.8M+8.4%	$11.3M+5.6%	$11.7M+17.6%	$11.9M+31.3%
Income Tax	$1.7M+24.1%	$979K-10.3%	$1.3M+54.1%	$1.2M+57.1%	$1.3M+74.5%	$1.1M+57.2%	$825K+328.5%	$793K+34.4%
Net Income	$7.8M+13.4%	$7.5M+24.5%	$7.9M+36.1%	$7.3M+47.9%	$6.9M+40.2%	$6.0M+18.5%	$5.8M+1146.8%	$5.0M-7.0%
EPS (Basic)	$1.34+11.7%	$1.29+24.0%	$1.38+35.3%	$1.27+46.0%	$1.20+39.5%	$1.04+18.2%	$1.02+1175.0%	$0.87-7.4%
EPS (Diluted)	$1.33+10.8%	$1.28+24.3%	$1.36+34.7%	$1.27+47.7%	$1.20+39.5%	$1.03+17.0%	$1.01+1162.5%	$0.86-7.5%
Diluted Shares (Avg)	6M+1.7%	6M+0.5%	N/A	N/A	6M+0.4%	6M+0.5%	N/A	6M+0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FDBC Balance Sheet

FDBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.7B+6.3%	$2.6B+3.3%	$2.5B+5.2%	$2.4B-1.7%	$2.4B+42.3%	$1.7B+68.3%	$1.0B+2.9%	$981.1M+13.6%	$863.6M+8.9%	$792.9M+8.7%	$729.4M+7.8%	$676.5M+8.4%	$623.8M+3.7%	$601.5M-0.9%	$606.7M
Cash & Equivalents	$148.1M+77.6%	$83.4M-25.5%	$111.9M+284.8%	$29.1M-70.0%	$96.9M+39.7%	$69.3M+342.7%	$15.7M-10.4%	$17.5M+10.5%	$15.8M-38.8%	$25.8M+110.5%	$12.3M-52.5%	$25.9M+95.6%	$13.2M-39.5%	$21.8M-58.1%	$52.2M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M+178.3%	$7.1M+3274.6%	$209K0.0%	$209K0.0%	$209K	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.5B+5.4%	$2.4B+2.9%	$2.3B+4.4%	$2.2B+0.4%	$2.2B+44.0%	$1.5B+69.7%	$903.1M+1.8%	$887.5M+14.3%	$776.3M+9.0%	$712.3M+9.1%	$653.0M+8.1%	$604.3M+8.3%	$557.8M+2.8%	$542.6M-1.9%	$553.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	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+56.0%	$106.8M+14.2%	$93.6M+7.1%	$87.4M+8.4%	$80.6M+5.6%	$76.4M+5.7%	$72.2M+9.3%	$66.1M+12.1%	$58.9M+9.9%	$53.6M
Retained Earnings	$158.8M+13.3%	$140.1M+9.2%	$128.3M+7.1%	$119.8M+22.9%	$97.4M+21.7%	$80.0M+10.6%	$72.4M+11.5%	$64.9M+13.5%	$57.2M+9.8%	$52.1M+9.8%	$47.5M+9.9%	$43.2M+9.3%	$39.5M+12.9%	$35.0M+8.1%	$32.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.0B+10.1%	$2.9B+5.5%	$2.7B+6.3%	$2.7B+4.6%	$2.7B+7.9%	$2.7B+9.8%	$2.6B+3.3%	$2.6B+5.6%
Cash & Equivalents	$207.7M+25.5%	$155.0M-26.6%	$148.1M+77.6%	$142.2M+18.3%	$165.5M+111.9%	$211.2M+190.4%	$83.4M-25.5%	$120.2M+8.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%	$19.6M0.0%
Total Liabilities	$2.7B+9.6%	$2.6B+4.6%	$2.5B+5.4%	$2.5B+4.1%	$2.5B+7.6%	$2.5B+9.8%	$2.4B+2.9%	$2.4B+4.2%
Total Equity	$252.9M+16.1%	$244.7M+15.6%	$238.9M+17.1%	$229.2M+10.6%	$217.9M+11.4%	$211.7M+10.5%	$204.0M+7.6%	$207.3M+25.3%
Retained Earnings	$169.1M+14.0%	$163.8M+13.9%	$158.8M+13.3%	$153.4M+12.3%	$148.4M+10.9%	$143.8M+9.7%	$140.1M+9.2%	$136.6M+5.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

FDBC Cash Flow Statement

FDBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$46.2M	$42.4M+43.3%	$29.6M-0.4%	$29.7M-39.9%	$49.4M+586.6%	$7.2M+2332.1%	$296K-98.9%	$25.8M+88.9%	$13.7M-1.7%	$13.9M-12.4%	$15.9M+0.9%	$15.7M+99.1%	$7.9M-65.8%	$23.1M+407.5%	$4.5M-69.9%	$15.1M
Depreciation & Amortization	N/A	$5.5M-3.1%	$5.7M-0.6%	$5.7M+8.5%	$5.3M-3.1%	$5.4M+19.5%	$4.5M+37.5%	$3.3M+9.0%	$3.0M-2.7%	$3.1M-5.7%	$3.3M-7.4%	$3.6M+13.7%	$3.1M-5.6%	$3.3M-4.3%	$3.5M+7.1%	$3.2M
Stock-Based Compensation	N/A	$1.1M-24.7%	$1.5M-12.0%	$1.6M+29.7%	$1.3M+16.0%	$1.1M+1.8%	$1.1M+31.8%	$817K+9.1%	$749K+36.2%	$550K+6.0%	$519K+130.7%	$225K+8.7%	$207K+84.8%	$112K+646.7%	$15K-37.5%	$24K
Capital Expenditures	$19.4M	$17.5M+276.0%	$4.7M-32.9%	$7.0M+26.1%	$5.5M+118.8%	$2.5M+81.3%	$1.4M-66.3%	$4.1M+15.6%	$3.6M+287.8%	$921K-37.6%	$1.5M-7.5%	$1.6M-46.3%	$3.0M+186.1%	$1.0M-47.5%	$2.0M+373.4%	$418K
Free Cash Flow	$26.8M	$24.8M-0.3%	$24.9M+9.5%	$22.7M-48.2%	$43.9M+838.5%	$4.7M+527.7%	-$1.1M-105.1%	$21.7M+114.9%	$10.1M-22.3%	$13.0M-9.9%	$14.4M+1.8%	$14.1M+186.7%	$4.9M-77.6%	$22.0M+758.6%	$2.6M-82.5%	$14.7M
Investing Cash Flow	-$236.2M	-$95.3M+16.1%	-$113.6M-222.0%	-$35.3M+69.4%	-$115.4M+61.9%	-$303.2M-84.6%	-$164.2M-383.1%	-$34.0M+71.0%	-$117.1M-67.7%	-$69.8M-20.1%	-$58.2M	N/A	N/A	-$46.2M-75.4%	-$26.3M-36.6%	-$19.3M
Financing Cash Flow	$232.2M	$117.6M+112.2%	$55.4M-37.3%	$88.4M+4946.1%	-$1.8M-100.6%	$323.6M+48.7%	$217.6M+3306.9%	$6.4M-93.9%	$105.1M+128.9%	$45.9M-17.8%	$55.9M	N/A	N/A	$14.5M+269.9%	-$8.5M-125.6%	$33.4M
Dividends Paid	$9.7M	$9.4M+6.3%	$8.8M+31.1%	$6.8M-12.4%	$7.7M+16.7%	$6.6M+22.9%	$5.4M+33.2%	$4.0M+18.8%	$3.4M+15.0%	$3.0M	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$0-100.0%	$1.3M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$20.5M+63.2%	$7.6M-35.2%	$9.7M+49.7%	$8.4M-7.2%	$12.6M+44.7%	$11.7M+119.0%	$6.5M-22.3%	$9.1M+43.9%
Depreciation & Amortization	$1.4M-0.8%	$1.4M+2.5%	$1.3M-8.0%	$1.4M-7.3%	$1.4M+3.2%	$1.4M+0.5%	$1.4M-2.8%	$1.5M-11.0%
Stock-Based Compensation	$330K+0.3%	$338K+3.7%	N/A	$209K-37.6%	$329K-2.9%	$326K-29.0%	N/A	$335K-6.4%
Capital Expenditures	$3.4M-40.6%	$4.3M+2393.6%	$5.4M+827.3%	$6.2M+381.2%	$5.7M+284.9%	$173K-86.7%	$587K-75.3%	$1.3M-35.2%
Free Cash Flow	$17.1M+149.0%	$3.3M-71.8%	$4.2M-28.0%	$2.2M-71.8%	$6.9M-4.5%	$11.5M+185.5%	$5.9M-1.0%	$7.8M+80.5%
Investing Cash Flow	-$67.2M-99.5%	-$106.1M-8264.2%	-$1.7M+88.3%	-$61.2M+4.5%	-$33.7M-23.6%	$1.3M+116.1%	-$14.2M-207.4%	-$64.1M-470.1%
Financing Cash Flow	$99.4M+504.4%	$105.5M-8.1%	-$2.1M+92.7%	$29.4M-69.7%	-$24.6M-202.7%	$114.9M+415.0%	-$29.1M-1204.0%	$97.1M+112.1%
Dividends Paid	$2.4M+4.7%	$2.5M+8.1%	$2.4M+3.7%	$2.3M+5.8%	$2.3M+5.8%	$2.3M+10.0%	$2.3M+30.2%	$2.2M+33.3%

Not reported in any period shown, so not listed: Share Buybacks.

FDBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FDBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.3%+4.5pp	25.7%+0.9pp	24.8%-9.0pp	33.8%+3.8pp	30.0%+7.8pp	22.1%-5.5pp	27.6%-0.1pp	27.8%+3.7pp	24.1%+0.9pp	23.2%+0.3pp	22.9%+1.2pp	21.7%-1.0pp	22.7%+5.3pp	17.3%-1.7pp	19.0%
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%-3.0pp	10.8%-0.9pp	11.8%+1.8pp	10.0%+0.4pp	9.5%+0.2pp	9.3%+0.5pp	8.8%-2.0pp	10.8%+2.5pp	8.3%-1.1pp	9.4%
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%-0.4pp	1.1%0.0pp	1.1%+0.1pp	1.0%0.0pp	1.0%0.0pp	1.0%0.0pp	0.9%-0.2pp	1.1%+0.3pp	0.8%0.0pp	0.8%
Debt-to-Equity	10.50-1.2x	11.67-0.5x	12.21-1.4x	13.60+3.2x	10.43+1.2x	9.20+0.7x	8.45-1.0x	9.49+0.6x	8.88+8.9x	0.000.0x	0.00-8.4x	8.37-0.1x	8.44-0.8x	9.20-1.1x	10.31
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.04
FCF Margin	26.6%-4.2pp	30.8%-0.2pp	31.0%-18.4pp	49.4%+43.5pp	5.8%+7.7pp	-1.9%-53.5pp	51.7%+26.3pp	25.4%-10.4pp	35.8%-7.6pp	43.4%-2.2pp	45.6%+28.7pp	16.8%-53.3pp	70.1%+61.0pp	9.1%-46.2pp	55.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.9%+0.2pp	30.3%+3.1pp	32.5%+5.0pp	31.2%+6.9pp	29.7%+4.7pp	27.2%+1.3pp	27.5%+23.9pp	24.3%-3.8pp
Return on Equity	3.1%-0.1pp	3.0%+0.2pp	3.3%+0.5pp	3.2%+0.8pp	3.2%+0.7pp	2.8%+0.2pp	2.9%+2.6pp	2.4%-0.8pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%+0.2pp	0.2%0.0pp
Debt-to-Equity	10.75-0.6x	10.69-1.1x	10.50-1.2x	10.94-0.7x	11.38-0.4x	11.81-0.1x	11.67-0.5x	11.62-2.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	65.3%+35.8pp	13.2%-39.1pp	17.3%-10.3pp	9.3%-28.8pp	29.6%-7.0pp	52.3%+31.6pp	27.7%-18.1pp	38.1%+15.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Fidelity D & D Bancorp, Inc. FDBC	FY2025	$93.2M	$28.2M	30.3%	$328.2M	40/100
Timberland Bancorp Inc TSBK	FY2025	$82.6M	$29.2M	35.3%	$348.5M	58/100
Parke Bancorp Inc. PKBK	FY2025	$79.9M	$37.8M	47.3%	$378.6M	73/100
Waterstone Financial, Inc. WSBF	FY2025	$141.9M	$26.4M	18.6%	$350.2M	47/100
Northeast Community Bancorp, Inc. NECB	FY2025	$104.8M	$44.4M	42.4%	$371.7M	55/100
LINKBANCORP, Inc. LNKB	FY2025	$186.5M	$33.5M	18.0%	$326.7M	49/100

Where Fidelity D & D Bancorp, Inc. Ranks

Frequently Asked Questions

What is Fidelity D & D Bancorp, Inc.'s annual revenue?

Fidelity D & D Bancorp, Inc. (FDBC) reported $93.2M in total revenue for fiscal year 2025. This represents a 15.3% 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 D & D Bancorp, Inc.'s revenue growing?

Fidelity D & D Bancorp, Inc. (FDBC) revenue grew by 15.3% year-over-year, from $80.9M to $93.2M in fiscal year 2025.

Is Fidelity D & D Bancorp, Inc. profitable?

Yes, Fidelity D & D Bancorp, Inc. (FDBC) reported a net income of $28.2M in fiscal year 2025, with a net profit margin of 30.3%.

What is Fidelity D & D Bancorp, Inc.'s net profit margin?

Fidelity D & D Bancorp, Inc. (FDBC) had a net profit margin of 30.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Fidelity D & D Bancorp, Inc. pay dividends?

Yes, Fidelity D & D Bancorp, Inc. (FDBC) paid $1.63 per share in dividends during fiscal year 2025.

What is Fidelity D & D Bancorp, Inc.'s return on equity (ROE)?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc.'s free cash flow?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc.'s operating cash flow?

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

What are Fidelity D & D Bancorp, Inc.'s total assets?

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

What are Fidelity D & D Bancorp, Inc.'s capital expenditures?

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

How many shares does Fidelity D & D Bancorp, Inc. have outstanding?

Fidelity D & D Bancorp, Inc. (FDBC) had 6M shares outstanding as of fiscal year 2025.

What is Fidelity D & D Bancorp, Inc.'s debt-to-equity ratio?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc.'s return on assets (ROA)?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc.'s P/E ratio?

Fidelity D & D Bancorp, Inc. (FDBC) trades at 10.7x earnings, its market capitalization divided by net income of $30.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $328.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Fidelity D & D Bancorp, Inc.'s price-to-sales ratio?

Fidelity D & D Bancorp, Inc. (FDBC) trades at 3.3x sales, its market capitalization divided by revenue of $98.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $328.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Fidelity D & D Bancorp, Inc.'s Piotroski F-Score?

Fidelity D & D Bancorp, Inc. (FDBC) has a Piotroski F-Score of 5 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 D & D Bancorp, Inc.'s earnings high quality?

Fidelity D & D Bancorp, Inc. (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 D & D Bancorp, Inc.?

Fidelity D & D Bancorp, Inc. (FDBC) scores 40 out of 100 on our Financial Health Score, indicating moderate 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.