FIDELITY D & D BANCORP INC (FDBC) Earnings History

FIDELITY D & D BANCORP INC - Q4 FY2025 Earnings

Filed at: Jan 28, 2026, 4:24 PM EST|Read from source

EXECUTIVE SUMMARY

Fidelity D & D Bancorp reported record fourth quarter and full-year 2025 results, driven by strong net interest income growth and improved asset quality. The company demonstrated disciplined balance sheet management and strategic execution, leading to significant increases in net income and diluted earnings per share.

POSITIVE HIGHLIGHTS

  • •

    Full-year 2025 net income increased 36% to $28.2 million, with diluted EPS up 35% to $4.86.

    positive
  • •

    Fourth quarter 2025 net income increased 36% to $7.9 million, with diluted EPS up 36% to $1.37.

    positive
  • •

    Net interest margin (FTE) increased 23 basis points year-over-year to 2.95% for the full year and 26 basis points to 3.04% for the fourth quarter.

    positive
  • •

    Efficiency ratio improved significantly to 60.30% for the full year and 58.35% for the fourth quarter, down from 66.19% and 65.48% respectively in the prior year periods.

    positive
  • •

    Asset quality improved with non-performing assets at 0.08% of total assets and past due/non-accrual loans at 0.26% of total loans.

    positive

CONCERNS & RISKS

  • •

    Non-interest expenses increased 6% year-over-year to $58.8 million for the full year, primarily due to higher salaries and benefits.

    attention
  • •

    Provision for credit losses on unfunded commitments increased in both the full year and fourth quarter due to originated growth in commercial construction commitments.

    attention
  • •

    Losses recognized on the sale of available-for-sale securities totaled $1.2 million for the full year and $0.4 million for the fourth quarter.

    attention

FINANCIAL METRICS

Revenue
Quarterly
N/A
N/A
Annual (YTD)
$72.67M
N/A
Prior year: $61.87M
Net Income
Quarterly
$7.94M
+36.1%
Prior year: $5.83M
Annual (YTD)
$28.20M
N/A
Prior year: $20.79M
EPS (Diluted)
Quarterly
$1.37
+35.6%
Prior year: $1.01
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$1.38
+35.3%
Prior year: $1.02

MARGIN ANALYSIS

Net Margin
Current Quarter
11.4%
Prior Year
9.9%
YoY Change
+158 bps

Margin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.

MANAGEMENT COMMENTARY

Record fourth quarter results, representing the strongest financial quarter in our history.

— FIDELITY D & D BANCORP INC, Q4 FY2025 2025 Earnings Call

Full year results reflect the execution of our strategic initiatives, disciplined balance sheet management, and continued improvement in our net interest margin.

— FIDELITY D & D BANCORP INC, Q4 FY2025 2025 Earnings Call

Grateful to our bankers for their dedication and focus on serving our clients and our communities well, positioning us for a strong 2026.

— FIDELITY D & D BANCORP INC, Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Assets Under Management
1058.9M
+14.8% YoY
Prior year: 922.0M
dollars
Non Performing Assets To Total Assets
0.1
-73.3% YoY
Prior year: 0.3
%
Past Due And Nonaccrual Loans To Total Loans
0.3
-63.4% YoY
Prior year: 0.7
%

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.