NASDAQ : FDBC
Fidelity D & D Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 65.83 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 382.37M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 112.63M | 103.85M | 93.27M | 80.63M | 64.02M | 55.43M |
| Interest Income on Investments | 13.73M | 15.99M | 13.75M | 13.21M | 14.65M | 10.04M |
| Total Interest Income | 126.37M | 119.84M | 107.02M | 93.83M | 78.67M | 65.47M |
| Interest Paid on Deposits | 44.80M | 46.80M | 43.16M | 28.95M | 6.14M | 3.46M |
| Interest Paid on Borrowings | 309.00K | 368.00K | 1.99M | 2.84M | 254.00K | 183.00K |
| Total Interest Expense | 45.11M | 47.17M | 45.16M | 31.79M | 6.40M | 3.64M |
| Net Interest Income | 81.25M | 72.67M | 61.87M | 62.05M | 72.27M | 61.83M |
| Trust Income | 4.15M | 4.15M | 3.64M | 3.00M | 2.48M | 2.25M |
| Gain (Loss) on Sale of Investments | -1.19M | -1.19M | -6.47M | 4.00K | 46.00K | |
| Other Non-Interest Income | 12.97M | 11.61M | 10.47M | 10.19M | 9.25M | 9.38M |
| Total Non-Interest Income | 21.62M | 20.26M | 19.02M | 11.62M | 16.84M | 18.47M |
| Revenues Before Loan Losses | 102.88M | 92.93M | 80.89M | 73.67M | 89.11M | 80.30M |
| Provision for Loan Losses | 3.03M | 1.27M | 1.47M | 1.33M | 2.09M | 2.00M |
| Revenue | 99.84M | 91.66M | 79.42M | 72.34M | 87.02M | 78.30M |
| Salaries and Employee Benefits | 29.75M | 29.75M | 27.39M | 23.99M | 25.71M | 23.01M |
| Occupancy Expenses | 9.79M | 9.79M | 8.78M | 8.79M | 7.62M | 7.00M |
| Federal Deposit Insurance | 1.24M | 1.24M | 1.23M | 1.12M | 694.00K | 679.00K |
| Selling, General & Administrative | 12.16M | 12.16M | 12.33M | 12.13M | 11.41M | 10.97M |
| Other Non-Interest Expense | 9.32M | 5.92M | 5.82M | 5.83M | 5.91M | 5.02M |
| Total Non-Interest Expense | 62.21M | 58.82M | 55.54M | 51.87M | 51.36M | 46.70M |
| EBT Excluding Unusual Items | 37.63M | 32.85M | 23.88M | 20.47M | 35.66M | 31.60M |
| Asset Writedown | 296.00K | 296.00K | -12.00K | -216.00K | -195.00K | -186.00K |
| Other Unusual Items | -369.00K | |||||
| Pretax Income | 37.93M | 33.14M | 23.87M | 20.26M | 35.47M | 28.01M |
| Income Tax Expense | 5.76M | 4.95M | 3.08M | 2.05M | 5.45M | 4.00M |
| Net Income | 32.17M | 28.20M | 20.79M | 18.21M | 30.02M | 24.01M |
| Net Income to Common | 32.17M | 28.20M | 20.79M | 18.21M | 30.02M | 24.01M |
| Basic Shares Outstanding | 5.78M | 5.76M | 5.73M | 5.68M | 5.64M | 5.32M |
| Diluted Shares Outstanding | 5.82M | 5.80M | 5.77M | 5.72M | 5.68M | 5.36M |
| EPS (Basic) | 5.56 | 4.89 | 3.63 | 3.21 | 5.32 | 4.51 |
| EPS (Diluted) | 5.52 | 4.86 | 3.60 | 3.19 | 5.29 | 4.48 |
| Dividend Per Share | 1.72 | 1.63 | 1.54 | 1.46 | 1.35 | 1.23 |
| Effective Tax Rate | 15.19% | 14.92% | 12.89% | 10.10% | 15.36% | 14.29% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 173.61M | 148.06M | 83.35M | 111.95M | 29.09M | 96.88M |
| Investment Securities | 513.27M | 354.78M | 373.22M | 374.57M | 426.17M | 481.71M |
| Trading Asset Securities | 147.00K | 209.00K | ||||
| Mortgage-Backed Securities | 169.16M | 184.00M | 193.70M | 217.44M | 257.27M | |
| Total Investments | 513.27M | 524.09M | 557.43M | 568.27M | 643.61M | 738.98M |
| Gross Loans | 2.18B | 1.91B | 1.80B | 1.69B | 1.57B | 1.43B |
| Allowance for Loan Losses | -22.39M | -20.17M | -19.67M | -18.81M | -17.15M | -15.62M |
| Other Adjustments to Gross Loans | -1.45M | -1.95M | -2.04M | -1.75M | -1.43M | |
| Net Loans | 2.15B | 1.89B | 1.78B | 1.67B | 1.55B | 1.42B |
| Property, Plant & Equipment | 48.12M | 58.77M | 45.67M | 43.18M | 41.04M | 39.62M |
| Goodwill | 19.63M | 19.63M | 19.63M | 19.63M | 19.63M | |
| Other Intangible Assets | 20.08M | 614.00K | 876.00K | 1.18M | 1.54M | 1.94M |
| Loans Held for Sale | 573.00K | 2.05M | 1.46M | 1.64M | 31.73M | |
| Accrued Interest Receivable | 9.67M | 9.63M | 9.09M | 8.49M | 7.53M | |
| Long-Term Deferred Tax Assets | 10.87M | 13.32M | 12.39M | |||
| Other Real Estate Owned & Foreclosed | 326.00K | 430.00K | 1.00K | 168.00K | 434.00K | |
| Other Long-Term Assets | 120.32M | 80.18M | 69.20M | 65.89M | 80.97M | 61.74M |
| Total Assets | 3.03B | 2.75B | 2.58B | 2.50B | 2.38B | 2.42B |
| Interest Bearing Deposits | 2.02B | 1.80B | 1.70B | 1.55B | 1.54B | 1.56B |
| Institutional Deposits | 110.03M | 108.80M | 72.60M | 21.10M | 23.00M | |
| Non-Interest Bearing Deposits | 593.27M | 552.58M | 533.93M | 536.14M | 602.61M | 590.28M |
| Total Deposits | 2.61B | 2.47B | 2.34B | 2.16B | 2.17B | 2.17B |
| Short-Term Borrowings | 132.71M | 1.03M | 1.22M | 117.00M | 12.94M | |
| Current Portion of Leases | 924.00K | |||||
| Accrued Interest Payable | 5.71M | 4.99M | 3.04M | 448.00K | 155.00K | |
| Long-Term Debt | 4.71M | 6.00M | 6.27M | 7.37M | 7.62M | 10.62M |
| Long-Term Leases | 9.93M | 10.72M | 9.75M | 10.47M | 10.95M | |
| Other Long-Term Liabilities | 33.75M | 18.26M | 16.62M | 18.09M | 17.04M | 15.79M |
| Total Liabilities | 2.78B | 2.51B | 2.38B | 2.31B | 2.22B | 2.21B |
| Common Stock | 246.98M | 120.75M | 119.43M | 117.69M | 115.61M | 114.11M |
| Retained Earnings | 158.81M | 140.11M | 128.25M | 119.75M | 97.44M | |
| Treasury Stock | -1.26M | |||||
| Comprehensive Income & Other | -40.70M | -55.57M | -56.47M | -71.15M | 179.00K | |
| Shareholders' Equity | 246.98M | 238.86M | 203.97M | 189.48M | 162.95M | 211.73M |
| Total Liabilities & Equity | 3.03B | 2.75B | 2.58B | 2.50B | 2.38B | 2.42B |
| Total Debt | 137.42M | 17.88M | 18.21M | 134.12M | 31.03M | 21.57M |
| Net Cash (Debt) | 36.19M | 130.33M | 65.35M | -22.17M | -1.94M | 75.31M |
| Net Cash Per Share | 6.21 | 22.48 | 11.32 | -3.88 | -0.34 | 14.04 |
| Filing Date Shares Outstanding | 5.81M | 5.81M | 5.77M | 5.73M | 5.65M | 5.66M |
| Total Common Shares Outstanding | 5.81M | 5.77M | 5.74M | 5.70M | 5.63M | 5.65M |
| Book Value Per Share | 42.52 | 41.39 | 35.56 | 33.22 | 28.94 | 37.50 |
| Tangible Book Value | 226.91M | 218.62M | 183.47M | 168.67M | 141.78M | 190.16M |
| Tangible Book Value Per Share | 39.06 | 37.88 | 31.98 | 29.57 | 25.18 | 33.68 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 28.20M | 20.79M | 18.21M | 30.02M | 24.01M | |
| Depreciation & Amortization | 5.50M | 5.67M | 5.70M | 5.25M | 5.42M | |
| Gain (Loss) on Sale of Assets | -69.00K | -13.00K | -2.00K | -19.00K | -44.00K | |
| Gain (Loss) on Sale of Investments | 1.19M | 6.47M | -4.00K | -46.00K | ||
| Total Asset Writedown | -296.00K | 12.00K | 216.00K | 195.00K | 186.00K | |
| Provision for Credit Losses | 1.27M | 1.47M | 1.33M | 2.09M | 2.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 9.62M | 1.05M | -1.49M | 11.93M | -24.43M | |
| Accrued Interest Receivable | -41.00K | -540.00K | -604.00K | -961.00K | -900.00K | |
| Change in Other Net Operating Assets | -1.51M | 550.00K | 420.00K | -924.00K | 1.10M | |
| Other Operating Activities | -3.18M | -2.61M | -2.00M | 638.00K | 27.00K | |
| Operating Cash Flow | 42.36M | 29.56M | 29.69M | 49.43M | 7.20M | |
| Capital Expenditures | -17.54M | -4.66M | -6.95M | -5.51M | -2.52M | |
| Sale of Property, Plant and Equipment | 623.00K | 20.00K | 844.00K | 1.09M | 1.72M | |
| Cash Acquisitions | -3.75M | |||||
| Investment in Securities | 47.42M | 7.40M | 85.31M | 353.00K | -312.72M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -119.18M | -114.54M | -116.77M | -110.32M | 12.40M | |
| Other Investing Activities | -6.58M | -1.80M | 2.30M | -1.00M | 1.63M | |
| Investing Cash Flow | -95.25M | -113.59M | -35.27M | -115.39M | -303.24M | |
| Long-Term Debt Issued | 103.82M | 10.06M | ||||
| Total Debt Issued | 103.82M | 10.06M | ||||
| Long-Term Debt Repaid | -465.00K | -118.32M | -229.00K | -232.00K | -21.98M | |
| Total Debt Repaid | -465.00K | -118.32M | -229.00K | -232.00K | -21.98M | |
| Net Debt Issued (Repaid) | -465.00K | -118.32M | 103.59M | 9.83M | -21.98M | |
| Issuance of Common Stock | 248.00K | 280.00K | 302.00K | 252.00K | 270.00K | |
| Repurchase of Common Stock | -121.00K | -79.00K | -239.00K | -1.28M | -6.00K | |
| Common Dividends Paid | -9.40M | -8.85M | -6.75M | -7.71M | -6.61M | |
| Net Increase (Decrease) in Deposit Accounts | 127.34M | 182.40M | -8.46M | -2.92M | 351.90M | |
| Financing Cash Flow | 117.60M | 55.43M | 88.44M | -1.82M | 323.57M | |
| Net Cash Flow | 64.71M | -28.60M | 82.86M | -67.79M | 27.53M | |
| Free Cash Flow | 24.82M | 24.90M | 22.74M | 43.91M | 4.68M | |
| Free Cash Flow Margin | 27.08% | 31.35% | 31.43% | 50.46% | 5.98% | |
| Free Cash Flow Per Share | 4.28 | 4.31 | 3.98 | 7.73 | 0.87 | |
| Cash Interest Paid | 46.45M | 43.21M | 29.19M | 6.11M | 3.85M | |
| Cash Income Tax Paid | 4.59M | 4.42M | 2.59M | 3.05M | 2.65M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 395.27M | 251.05M | 279.92M | 330.56M | 265.44M | 333.10M |
| Last Close Price | 68.05 | 42.38 | 45.78 | 52.76 | 41.57 | 50.41 |
| PE Ratio | 12.33 | 8.90 | 13.46 | 18.15 | 8.84 | 13.87 |
| PS Ratio | 3.96 | 2.74 | 3.52 | 4.57 | 3.05 | 4.25 |
| PB Ratio | 1.60 | 1.05 | 1.37 | 1.75 | 1.63 | 1.57 |
| P/FCF Ratio | 14.73 | 10.11 | 11.24 | 14.54 | 6.04 | 71.19 |
| P/OCF Ratio | 8.56 | 5.93 | 9.47 | 11.13 | 5.37 | 46.27 |
| Debt / Equity Ratio | 0.56 | 0.07 | 0.09 | 0.71 | 0.19 | 0.10 |
| Debt / FCF Ratio | 0.72 | 0.73 | 5.90 | 0.71 | 4.61 | |
| Net Debt / Equity Ratio | -0.15 | -0.55 | -0.32 | 0.12 | 0.01 | -0.36 |
| Net Debt / FCF Ratio | -5.25 | -2.62 | 0.97 | 0.04 | -16.09 | |
| Return on Equity (ROE) | 13.51% | 12.73% | 10.57% | 10.33% | 16.02% | 12.69% |
| Return on Assets (ROA) | 1.12% | 1.06% | 0.82% | 0.75% | 1.25% | 1.17% |
| Earnings Yield | 8.11% | 11.23% | 7.43% | 5.51% | 11.31% | 7.21% |
| FCF Yield | 6.79% | 9.89% | 8.89% | 6.88% | 16.54% | 1.41% |
| Dividend Yield | 2.70% | 3.75% | 3.16% | 2.52% | 2.86% | 2.08% |
| Payout Ratio | 33.34% | 33.35% | 42.56% | 37.07% | 25.68% | 27.52% |
| Buyback Yield / Dilution | -0.56% | -0.42% | -0.98% | -0.66% | -5.89% | -16.18% |
| Total Shareholder Return | 2.15% | 3.32% | 2.18% | 1.86% | -3.03% | -14.09% |