NasdaqGM:FDBC

Stock Analysis Report

Fidelity D & D Bancorp

Executive Summary

Fidelity D & D Bancorp, Inc. operates as the holding company for The Fidelity Deposit and Discount Bank, a state chartered commercial bank that provides a range of banking, financial, and trust services to individuals, small businesses, and corporate customers primarily in Lackawanna and Luzerne counties in Pennsylvania.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Fidelity D & D Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Fidelity D & D Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.7%

NasdaqGM:FDBC

6.7%

US Banks

1.3%

US Market


1 Year Return

-17.7%

NasdaqGM:FDBC

-3.7%

US Banks

2.0%

US Market

FDBC underperformed the Banks industry which returned -3.7% over the past year.

FDBC underperformed the Market in United States of America which returned 1.7% over the past year.


Share holder returns

FDBCIndustryMarket
7 Day-0.7%6.7%1.3%
30 Day-5.5%9.9%3.9%
90 Day-6.3%7.1%3.4%
1 Year-16.2%-17.7%-1.0%-3.7%4.2%2.0%
3 Year171.9%153.3%57.4%46.6%47.2%37.6%
5 Year228.3%184.4%62.8%45.1%60.5%42.9%

Price Volatility Vs. Market

How volatile is Fidelity D & D Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Fidelity D & D Bancorp undervalued based on future cash flows and its price relative to the stock market?

18.7x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Fidelity D & D Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Fidelity D & D Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Fidelity D & D Bancorp is overvalued based on earnings compared to the US Banks industry average.

Fidelity D & D Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Fidelity D & D Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Fidelity D & D Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Fidelity D & D Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Fidelity D & D Bancorp is high growth as no revenue estimate data is available.

Fidelity D & D Bancorp's earnings are expected to grow by 2.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare Fidelity D & D Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Fidelity D & D Bancorp's earnings growth is positive but not above the United States of America market average.

Fidelity D & D Bancorp's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Fidelity D & D Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Fidelity D & D Bancorp performed over the past 5 years?

11.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Fidelity D & D Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Fidelity D & D Bancorp's 1-year earnings growth exceeds its 5-year average (16.9% vs 11.6%)

Fidelity D & D Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (16.9% vs 31.7%).


Return on Equity

Fidelity D & D Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Fidelity D & D Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Fidelity D & D Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Fidelity D & D Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Fidelity D & D Bancorp has an acceptable proportion of non-loan assets held.

Fidelity D & D Bancorp has a sufficient allowance for bad loans.

Fidelity D & D Bancorp's liabilities are made up of primarily low risk sources of funding.

Fidelity D & D Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Fidelity D & D Bancorp are broadly funded by customer deposits.

Fidelity D & D Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Fidelity D & D Bancorp's current dividend yield, its reliability and sustainability?

1.82%

Current Dividend Yield


Dividend Yield and Payments Analysis

Fidelity D & D Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).

Fidelity D & D Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.67%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Fidelity D & D Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.9yrs

Average management tenure


CEO

Dan Santaniello (53yo)

8.8yrs

Tenure

US$667,447

Compensation

Mr. Daniel J. Santaniello, also known as Dan, has been the Chief Executive Officer and President of Fidelity D&D BanCorp Inc since December 2, 2010 and its subsidiary Fidelity Deposit and Discount Bank (th ...


CEO Compensation Analysis

Dan's remuneration is lower than average for companies of similar size in United States of America.

Dan's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.9yrs

Average Tenure

54yo

Average Age

The tenure for the Fidelity D & D Bancorp management team is about average.


Board Age and Tenure

12.1yrs

Average Tenure

69yo

Average Age

The average tenure for the Fidelity D & D Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

SellUS$292,03911 Jun 19
Daniel Santaniello
EntityIndividual
Role
Chief Executive Officer
President
Shares4,654
Max PriceUS$62.75
SellUS$21,96311 Jun 19
John Cognetti
EntityIndividual
Role
Member of the Board of Directors
Secretary & Director
Shares350
Max PriceUS$62.75
SellUS$6,61522 May 19
Michael Pacyna
EntityIndividual
Role
Senior Key Executive
Executive VP and Chief Business Development Officer of Fidelity Deposit & Discount Bank
Shares110
Max PriceUS$60.14
SellUS$39,79929 Apr 19
John Cognetti
EntityIndividual
Role
Member of the Board of Directors
Secretary & Director
Shares669
Max PriceUS$59.49
SellUS$36029 Apr 19
John Cognetti
EntityIndividual
Role
Member of the Board of Directors
Secretary & Director
Shares6
Max PriceUS$60.00
SellUS$325,83920 Mar 19
Daniel Santaniello
EntityIndividual
Role
Chief Executive Officer
President
Shares5,346
Max PriceUS$60.95
SellUS$149,34008 Mar 19
Brian Cali
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares2,620
Max PriceUS$57.00
SellUS$15,36112 Feb 19
Michael Pacyna
EntityIndividual
Role
Senior Key Executive
Executive VP and Chief Business Development Officer of Fidelity Deposit & Discount Bank
Shares255
Max PriceUS$60.24
BuyUS$41,79012 Feb 19
Patrick Dempsey
EntityIndividual
Role
Chairman Emeritus
Chairman Emeritus
Shares700
Max PriceUS$59.70
BuyUS$15,00031 Dec 18
Kristin O’Donnell
EntityIndividual
Role
Member of the Board of Directors
Director
Shares240.38
Max PriceUS$62.40
SellUS$126,28131 Oct 18
Timothy O'Brien
EntityIndividual
Role
Senior Key Executive
Senior EVP and Chief Lending Officer of Fidelity Deposit & Discount Bank
Shares2,000
Max PriceUS$65.32

Ownership Breakdown


Management Team

  • John Cognetti (69yo)

    Secretary & Director

    • Tenure: 20.7yrs
    • Compensation: US$99.48k
  • Sal DeFrancesco (49yo)

    Treasurer & CFO

    • Tenure: 16.7yrs
    • Compensation: US$420.11k
  • Mary McDonald (86yo)

    Assistant Secretary of the Board & Director

    • Tenure: 19.7yrs
    • Compensation: US$99.48k
  • Dan Santaniello (53yo)

    President

    • Tenure: 8.8yrs
    • Compensation: US$667.45k
  • Eugene Walsh (54yo)

    VP & COO

    • Tenure: 3.3yrs
    • Compensation: US$379.07k
  • Tim O'Brien (67yo)

    Senior EVP and Chief Lending Officer of Fidelity Deposit & Discount Bank

    • Tenure: 0yrs
    • Compensation: US$443.48k
  • Mike Pacyna (53yo)

    Executive VP and Chief Business Development Officer of Fidelity Deposit & Discount Bank

    • Tenure: 4.4yrs
    • Compensation: US$403.62k
  • Joann Marsili

    Senior VP and Marketing & Digital Sales Director

    • Tenure: 2yrs
  • John Pash

    Investor Relations Officer

    • Tenure: 0yrs
  • Kerry Lobel

    Senior VP & Chief Information Officer

    • Tenure: 0.7yrs

Board Members

  • Brian Cali (66yo)

    Chairman of the Board

    • Tenure: 0.9yrs
    • Compensation: US$129.48k
  • John Cognetti (69yo)

    Secretary & Director

    • Tenure: 20.7yrs
    • Compensation: US$99.48k
  • Patrick Dempsey (85yo)

    Chairman Emeritus

    • Tenure: 0yrs
    • Compensation: US$116.98k
  • Mary McDonald (86yo)

    Assistant Secretary of the Board & Director

    • Tenure: 19.7yrs
    • Compensation: US$99.48k
  • Michael McDonald (64yo)

    Vice Chairman of the Board

    • Tenure: 15.7yrs
    • Compensation: US$111.98k
  • Dan Santaniello (53yo)

    President

    • Tenure: 8.8yrs
    • Compensation: US$667.45k
  • David Tressler (82yo)

    Director

    • Tenure: 20.7yrs
    • Compensation: US$99.48k
  • Richard Lettieri (71yo)

    Director

    • Tenure: 7.5yrs
    • Compensation: US$99.48k
  • Kristin O’Donnell (49yo)

    Director

    • Tenure: 7.5yrs
    • Compensation: US$101.35k

Company Information

Fidelity D & D Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Fidelity D & D Bancorp, Inc.
  • Ticker: FDBC
  • Exchange: NasdaqGM
  • Founded: 1903
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$216.151m
  • Shares outstanding: 3.78m
  • Website: https://www.bankatfidelity.com

Number of Employees


Location

  • Fidelity D & D Bancorp, Inc.
  • 101 North Blakely Street
  • Dunmore
  • Pennsylvania
  • 18512
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FDBCNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDDec 1990

Biography

Fidelity D & D Bancorp, Inc. operates as the holding company for The Fidelity Deposit and Discount Bank, a state chartered commercial bank that provides a range of banking, financial, and trust services to ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/15 23:36
End of Day Share Price2019/09/13 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.