FDBC
FIDELITY D & D BANCORP INC
Financials • CIK: 0001098151
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Market Cap
$252.29M
P/E (TTM)
9.5x
Rev Growth (TTM)
+24.0%
Net Margin (TTM)
29.4%
FCF Yield (TTM)
10.5%
FCF Margin (TTM)
29.4%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$26M
Q3 '25
$2M-68%
Q2 '25
$7M-40%
FCF Margin
TTM29.4%
Q3 '259.3%-68%
Sector: 22.2%Above Avg
OCF Margin43.5%
OCF/NI1.48x
CapEx Coverage3.1x
FCF Yield10.5%
FCF Growth (2Y)-2%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Balanced
Total Shareholder YieldEst.
Est.3.7%
Div Yield3.7%
+Est. Buyback4.1%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)3.7%
FCF Payout Ratio34.8%
Free Cash Flow (TTM)$26.5M
Capital Return / FCF35.2%
Est. Dividends Paid (TTM)$9.2M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
39.7%
Moderate
+0.5% YoY+37.8%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
30.1%
8Q: 28.0%
Asset Turnover
0.03x
8Q: 0.03x
Leverage (1+D/E)
1.00x
D/E: 0.00x
DuPont: 1.0% ≈ 39.7% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
2.37x
8Q:2.27x
+65.1%
Invested Cap Turn
1.32x
8Q:0.61x
+107.2%
CapEx Intensity
18.6%
8Q:3.2%
CapEx/Depreciation
2.26x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $90.0M | $23.5M↑1.1% | $23.3M↑5.8% | $22.0M↑3.7% | $21.2M↑4.0% | $20.4M↑3.4% | $19.7M↑1.1% | $19.5M↑50.6% | $13.0M |
Operating Income | $31.8M | $8.9M↑3.8% | $8.6M↑15.1% | $7.5M↑9.2% | $6.8M↑3.9% | $6.6M↑7.4% | $6.1M↑5.0% | $5.8M↑3707.8% | $153.0K |
Net Income | $26.5M | $7.3M↓0.0% | $7.3M↑22.6% | $6.0M↑2.7% | $5.8M↑17.5% | $5.0M↑0.6% | $4.9M↓2.4% | $5.1M↑980.6% | $468.0K |
Operating Cash Flow | $39.1M | $8.4M↓33.0% | $12.6M↑7.7% | $11.7M↑80.7% | $6.5M↓28.8% | $9.1M↑4.4% | $8.7M↑63.0% | $5.3M↓35.9% | $8.3M |
Free Cash Flow | $26.5M | $2.2M↓68.1% | $6.9M↓40.1% | $11.5M↑95.8% | $5.9M↓24.5% | $7.8M↑7.8% | $7.2M↑78.9% | $4.0M↓32.1% | $5.9M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
9.5x
Valuation Lenses
Earnings
9.5x
vs – sector
Cash Flow
4.5x
EV/FCF vs –
Growth-Adj
0.1xPEG
Undervalued for growth
Quality-Adj
0.2P/E per %ROIC
ROIC: 39.7%
Shareholder Returns
Dividend
3.7%
Buyback
–
Total Yield
3.7%
Market Cap$252.29M
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
82/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
12.5%
8Q:–
Return on Invested Capital (ROIC)Top 25%
39.7%
8Q:–
+37.8%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 30.1%
Asset Turnover: 0.03x
Earnings Quality
Cash Conversion
1.48x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin100.0%
Capital Efficiency
Invested Capital Turnover1.32x
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
69/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
24.0%
OpInc Growth YoY
35.5%
EPS Growth YoY
70.9%
FCF 3Y CAGR
-2.1%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 26.2%
Margin Quality & Sustainability
High Quality
Profitability Cascade
Gross
100.0%
Operating
35.3%
Above Avg in sector
Net
29.4%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-0.1 pts
FCF: 29.4% | Net: 29.4%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $142.14M
Interest Coverage
–
+Net cash position: $142.14M
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis