IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2746
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$253M
Daniel J. Santaniello
Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank. It provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. As of April 21, 2022, it operated 22 full-service banking offices in Lackawanna, Luzerne, and Northampton counties.
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Dates updated upon official exchange announcement.
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FDBC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$FDBC FIDELITY D & D BANCORP INC | 45 | 34 | 60 | 38 | 10.2x | 8.8x | 11.2% | 0.9% | 0.0% | 25.5% | 22.0% | 17.8% | 3.6% | 1094.0x | $253M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
FIDELITY D & D BANCORP INC (FDBC) receives a "Reduce" rating with a composite score of 45.3/100. It ranks #2746 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
Sign in to join the discussion.
Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for FDBC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 34 | 63 | -29DRAG |
| MOMENTUM | 38 | 36 | +2NEUTRAL |
| VALUATION | 60 | 83 | -23DRAG |
| INVESTMENT | 27 | 30 | -3NEUTRAL |
| STABILITY | 46 | 44 | +2NEUTRAL |
| SHORT INT | 58 | 71 | -13DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 11.2% (sector 9.0%)
GM 0% vs sector 78%, OM 25% vs sector 18%
Capital turnover N/A
Rev growth 18%, 10yr history
Interest coverage 0.7x, Net debt/EBITDA -2.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate FIDELITY D & D BANCORP INC (FDBC) as a Reduce with a composite score of 45.3/100 at a current price of $46.10. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
FIDELITY D & D BANCORP INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 45.3/100 places it at rank #2746 in our full universe.
No Moat
High
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 1094% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
FIDELITY D & D BANCORP INC represents a reduce based on multi-factor quantitative performance.
FIDELITY D & D BANCORP INC receives a Reduce rating from our analysis, with a composite score of 45.3/100 and 2 out of 5 stars, ranking #2746 out of 7,333 stocks. FDBC's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
FDBC's quality score of 34/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 11.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 22.0% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
FDBC's value score of 60/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 10.23x, an EV/EBITDA of 8.83x, a P/B ratio of 1.14x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
FIDELITY D & D BANCORP INC's investment score of 27/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 17.8% vs. a sector average of 10.7% and a return on assets of 0.9% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
FDBC is currently showing below-average momentum at 38/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 17.8% year-over-year, while a beta of 0.65 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
With a stability score of 46/100, FDBC exhibits average financial resilience. Key stability metrics include a beta of 0.65 and a debt-to-equity ratio of 1094.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 58/100 for FDBC suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 1094.00x), micro-cap liquidity risk. With a $253M market cap (micro-cap), FIDELITY D & D BANCORP INC may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
FDBC pays a solid dividend yield of 3.6%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
FIDELITY D & D BANCORP INC is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2746 of 7,333 overall (63rd percentile). Key comparisons include ROE of 11.2% exceeding the 9.0% sector median and operating margins of 25.5% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While FDBC currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Upgrade catalyst
Improvement in Investment (27) would have the largest impact on the composite score.
EV/EBITDA 14% ABOVE SECTOR MEDIAN
ROE 24% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Those following along with Fidelity D & D Bancorp, Inc. ( NASDAQ:FDBC ) will no doubt be intrigued by the recent...
Key Insights Significant control over Fidelity D & D Bancorp by retail investors implies that the general public has...
As February 2026 begins, the U.S. stock market has shown a strong start with major indices like the Dow Jones Industrial Average and S&P 500 posting significant gains, buoyed by positive economic developments such as a new trade deal with India and an uptick in manufacturing activity. In this environment of optimism and strategic shifts, small-cap stocks present intriguing opportunities for investors looking to capitalize on potential growth areas, particularly when insider actions suggest...
As February 2026 begins, the U.S. stock market has shown a robust start with major indexes like the Dow Jones Industrial Average and S&P 500 posting significant gains. In this dynamic market environment, dividend stocks can offer investors a blend of income and potential growth, making them an attractive consideration amidst ongoing economic developments.
Fidelity D & D Bancorp, Inc. (NASDAQ: FDBC) announced a first quarter 2026 dividend of $0.43 per share, representing a 7.5% increase from the prior year's first quarter dividend of $0.40 per share. The dividend is payable on March 10, 2026 to shareholders of record as of February 13, 2026.