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Upturn AI SWOT - About
FDBC 
Fidelity D&D Bancorp Inc (FDBC)
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Upturn Advisory Summary
04/01/2025: FDBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -33.14% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 306.82M USD | Price to earnings Ratio 20.03 | 1Y Target Price - |
Price to earnings Ratio 20.03 | 1Y Target Price - | ||
Volume (30-day avg) 6472 | Beta 0.57 | 52 Weeks Range 40.13 - 60.23 | Updated Date 03/30/2025 |
52 Weeks Range 40.13 - 60.23 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.95% | Basic EPS (TTM) 2.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.66% | Operating Margin (TTM) 31.02% |
Management Effectiveness
Return on Assets (TTM) 0.61% | Return on Equity (TTM) 8.28% |
Valuation
Trailing PE 20.03 | Forward PE - | Enterprise Value 231214976 | Price to Sales(TTM) 3.15 |
Enterprise Value 231214976 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 3.28 | Enterprise Value to EBITDA - | Shares Outstanding 5736020 | Shares Floating 4702852 |
Shares Outstanding 5736020 | Shares Floating 4702852 | ||
Percent Insiders 17.94 | Percent Institutions 21.68 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fidelity D&D Bancorp Inc
Company Overview
History and Background
Fidelity D&D Bancorp, Inc., founded in 1902, operates as a bank holding company. It began as a community bank serving northeastern Pennsylvania and has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides lending, deposit accounts, cash management, and other financial services to businesses.
- Retail Banking: Offers personal checking and savings accounts, mortgage loans, consumer loans, and other retail banking products.
- Wealth Management: Offers trust and estate services, financial planning, and investment management.
Leadership and Structure
The company is led by its President and CEO, with a board of directors overseeing the overall strategy and governance. The organizational structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data is not publicly available. Competitors include larger regional and national banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data is not publicly available. Competitors include mortgage lenders and credit unions.
- Deposit Accounts: Provides checking, savings, and other deposit accounts to individuals and businesses. Market share data is not publicly available. Competitors include national and community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increased regulation, low interest rates, and competition from non-bank financial institutions. Consolidation continues to be a trend.
Positioning
Fidelity D&D Bancorp Inc. positions itself as a community-focused bank providing personalized service and local expertise. It competes with larger banks and smaller community banks.
Total Addressable Market (TAM)
TAM for community banking in Pennsylvania is estimated to be several billion dollars. Fidelity D&D Bancorp Inc. aims to capture a larger share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid capital base
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Reliance on traditional banking channels
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- USB
- PNC
Competitive Landscape
Fidelity D&D Bancorp Inc. faces intense competition from larger national and regional banks. Its advantage lies in its community focus and personalized service, while its disadvantage is its limited scale and brand recognition.
Major Acquisitions
Farmers National Bancorp
- Year: 2023
- Acquisition Price (USD millions): 93.4
- Strategic Rationale: The acquisition expanded Fidelity D&D Bancorp's presence and market share.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rates requires access to financial statements and reporting systems. Analysis of revenue, profits, and acquisition impact could be shown here.
Future Projections: Future Projections are based on analyst estimates that cannot be created at this time, as those numbers are derived from 3rd party companies and not public.
Recent Initiatives: Recent initiatives include investments in technology to enhance digital banking services and expansion of wealth management offerings.
Summary
Fidelity D&D Bancorp Inc. is a community-focused bank with a strong presence in northeastern Pennsylvania. The company's strengths include its experienced management team and solid capital base. However, it faces challenges such as increased competition and limited geographic reach. Future success depends on its ability to capitalize on opportunities in digital banking and wealth management and expand strategically through acquisition.
Similar Companies
- CASH
- WSFS
- TCBI
- FHB
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Estimates based on comparable company data
Disclaimers:
This analysis is based on publicly available information and estimates. Actual financial performance may differ. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fidelity D&D Bancorp Inc
Exchange NASDAQ | Headquaters Dunmore, PA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. Daniel J. Santaniello | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 289 | Website https://www.bankatfidelity.com |
Full time employees 289 | Website https://www.bankatfidelity.com | ||
Fidelity D & D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. The company accepts various deposits, including savings, club, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also provides commercial and industrial loans, such as loans to municipal borrowers; commercial real estate loans, including non-owner occupied, owner occupied, and construction loans; consumer loans, comprising home equity installment loans and lines of credit, resource and non-resource auto loans, and direct finance leases; and residential mortgage loans. In addition, the company offers digital tools, such as online banking, fidelity mobile banking app, digital wallet, card manager, EZ statements, mobile deposit, alerts, web bill pay, credit sense; and services such as telephone banking, direct deposit services, and order checks. Further, it provides government and healthcare banking services, cash management and merchant services, individual retirement accounts, credit and debit cards, personal money markets, and alternative financial and insurance products, as well as asset management services. The company was founded in 1902 and is headquartered in Dunmore, Pennsylvania.
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