FDBC

MKT CAP:$269M

Fidelity D & D Bancorp, Inc.

Market Cap

$269M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$46.14+$2.96 (+6.86%)

Apr 23, 2026

Company Details

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 comp...

CEO

Daniel J. Santaniello

IPO Date

Apr 13, 1999

Website

www.bankatfidelity.com

Key Metrics TTM

Revenue

$107M

-16.3% YoY

Net Income

$22M

EPS (Diluted)

$3.84

Free Cash Flow

$30M

Revenue / Share

$18.43

Gross Margin

66.0%

Operating Margin

24.4%

Net Margin

20.8%

FCF Margin

28.2%

P/S

2.5x

P/E

12.1x

Earnings Reports

Q1 2026

Apr 22, 2026

NEW

$1.4K-100.0%EPS $0.00

FY 2025

Mar 13, 2026

$140M+12.3%EPS $4.88

Q4 2025

Mar 13, 2026

$36M+10.7%EPS $1.37

Q3 2025

Nov 7, 2025

$36M+11.2%EPS $1.27

Q2 2025

Aug 8, 2025

$35M+14.5%EPS $1.20

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$23M	$22M	$9M
Q3 22	$24M	$22M	$9M
Q4 22	$25M	$22M	$9M
Q1 23	$27M	$21M	$8M
Q2 23	$27M	$20M	$6M
Q3 23	$28M	$19M	$6M
Q4 23	$23M	$13M	$107.0K
Q1 24	$30M	$19M	$6M
Q2 24	$30M	$19M	$6M
Q3 24	$32M	$20M	$6M
Q4 24	$33M	$21M	$7M
Q1 25	$32M	$21M	$7M
Q2 25	$35M	$23M	$8M
Q3 25	$36M	$23M	$9M
Q4 25	$36M	$24M	$9M
Q1 26	$1.4K	$0	$0

Valuation

Quarter	P/S	P/E
Q2 22	2.6x	8.4x
Q3 22	2.5x	7.5x
Q4 22	2.7x	8.6x
Q1 23	2.7x	8.8x
Q2 23	2.7x	10.2x
Q3 23	2.3x	10.0x
Q4 23	2.9x	16.8x
Q1 24	2.5x	16.7x
Q2 24	2.3x	15.9x
Q3 24	2.5x	18.4x
Q4 24	2.2x	13.4x
Q1 25	1.9x	11.1x
Q2 25	2.0x	11.2x
Q3 25	1.8x	9.6x
Q4 25	1.9x	9.1x
Q1 26	2.4x	11.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$18M	$15M
Q2 22	$10M	$9M
Q3 22	$12M	$12M
Q4 22	$9M	$8M
Q1 23	$7M	$6M
Q2 23	$8M	$6M
Q3 23	$6M	$4M
Q4 23	$8M	$6M
Q1 24	$5M	$4M
Q2 24	$9M	$7M
Q3 24	$9M	$8M
Q4 24	$6M	$6M
Q1 25	$12M	$12M
Q2 25	$13M	$7M
Q3 25	$8M	$2M
Q4 25	$10M	$10M

Capital Expenditures

Quarter	CapEx
Q1 22	$3M
Q2 22	$633.0K
Q3 22	$739.0K
Q4 22	$900.0K
Q1 23	$718.0K
Q2 23	$2M
Q3 23	$2M
Q4 23	$2M
Q1 24	$1M
Q2 24	$1M
Q3 24	$1M
Q4 24	$587.0K
Q1 25	$173.0K
Q2 25	$6M
Q3 25	$6M
Q4 25	$173.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+29.6%	+26.6%
Q3 22	+8.7%	-8.6%
Q4 22	+10.3%	+18.1%
Q1 23	+20.2%	+36.3%
Q2 23	+20.2%	+56.2%
Q3 23	+16.3%	+45.5%
Q4 23	-9.6%	+39.3%
Q1 24	+12.5%	+31.6%
Q2 24	+10.8%	+15.1%
Q3 24	+15.3%	+20.2%
Q4 24	+44.6%	+15.7%
Q1 25	+7.4%	+3.7%
Q2 25	+14.5%	+7.5%
Q3 25	+11.2%	+2.8%
Q4 25	+10.7%	+3.7%
Q1 26	-100.0%	-100.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$306.0K	1.4%
Q2 22	$413.0K	1.8%
Q3 22	$258.0K	1.1%
Q4 22	$294.0K	1.2%
Q1 23	$445.0K	1.7%
Q2 23	$518.0K	1.9%
Q3 23	$358.0K	1.3%
Q4 23	$327.0K	1.4%
Q1 24	$459.0K	1.5%
Q2 24	$339.0K	1.1%
Q3 24	$335.0K	1.0%
Q4 24	$318.0K	1.0%
Q1 25	$326.0K	1.0%
Q2 25	$329.0K	0.9%
Q3 25	$209.0K	0.6%
Q4 25	$228.0K	0.6%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$7M	$489.0K
Q3 22	$7M	$753.0K
Q4 22	$8M	$1M
Q1 23	$7M	$893.0K
Q2 23	$7M	$478.0K
Q3 23	$7M	$461.0K
Q4 23	$7M	$1M
Q1 24	$7M	$732.0K
Q2 24	$7M	$413.0K
Q3 24	$7M	$493.0K
Q4 24	$8M	$1M
Q1 25	$8M	$1M
Q2 25	—	$602.0K
Q3 25	$8M	$413.0K
Q4 25	$8M	$1M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$109M	$453M	$562M
Q3 22	$134M	$413M	$547M
Q4 22	$29M	$421M	$450M
Q1 23	$63M	$391M	$454M
Q2 23	$70M	$381M	$450M
Q3 23	$110M	$353M	$463M
Q4 23	$112M	$344M	$456M
Q1 24	$73M	$334M	$407M
Q2 24	$78M	$328M	$406M
Q3 24	$120M	$334M	$455M
Q4 24	$83M	$331M	$415M
Q1 25	$211M	$187M	$398M
Q2 25	$165M	$193M	$358M
Q3 25	$142M	$178M	$320M
Q4 25	$148M	$524M	$672M
Q1 26	$155M	$512M	$667M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	6M	-0.1%	+12.9%
Q3 22	6M	-0.4%	-0.3%
Q4 22	6M	+0.1%	-0.2%
Q1 23	6M	+0.4%	-0.0%
Q2 23	6M	+0.2%	+0.3%
Q3 23	6M	+0.4%	+1.1%
Q4 23	6M	+2.2%	+3.1%
Q1 24	6M	-1.8%	+1.0%
Q2 24	6M	0.0%	+0.7%
Q3 24	6M	+0.5%	+0.9%
Q4 24	6M	+0.1%	-1.1%
Q1 25	6M	-0.4%	+0.2%
Q2 25	6M	0.0%	+0.2%
Q3 25	6M	+0.4%	+0.1%
Q4 25	6M	0.0%	-0.0%
Q1 26	6M	0.0%	+0.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$71.5K	319
Q3 22	$74.8K	319
Q4 22	$86.0K	291
Q1 23	$91.6K	291
Q2 23	$94.3K	291
Q3 23	$95.4K	291
Q4 23	$72.3K	313
Q1 24	$95.8K	313
Q2 24	$97.2K	313
Q3 24	$102.2K	313
Q4 24	$102.2K	320
Q1 25	$100.7K	320
Q2 25	$108.8K	320
Q3 25	$111.2K	320
Q4 25	$111.7K	324
Q1 26	$4	324

Revenue / Employee