FDBC
Fidelity D & D Bancorp, Inc.Financial Services·Banks - Regional
$46.71
$271M market cap
Revenue
$71.9M
Free Cash Flow
$12.8M
Rev Growth
+0.0%
FCF Margin
17.7%
P/FCF
21.3x
EV/FCF
-3.0x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 savings, clubs, interest-bearing and non-interest-bearing checking, money market, and short- and long-term time deposits, as well as certificates of deposit. It also offers commercial and industrial, commercial real estate, consumer, and residentia
2-Year Price History
$45.51+7.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 35.7 | 8.4 | 8.4 | 7.5 | 7.6 | 3.3 | -4.3 | 325.7 | 15.6 | 5.8 | 30.5% | 0.8x | -- |
| Act | 2025-Q4 | 36.2 | 10.5 | 9.2 | 7.9 | 9.7 | 9.5 | -0.2 | 323.8 | 16.9 | 5.8 | 33.6% | 0.9x | -- |
Valuation & Metrics
Market Stats
Price$46.71
Market Cap$271M
Enterprise Value$-39M
P/S Ratio3.8x
P/FCF21.3x
EV/FCF-3.0x
FCF Margin (TTM)17.7%
FCF Yield4.7%
Dividend Yield (TTM)3.6%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$71.9M
Net Income$15.4M
Free Cash Flow$12.8M
Revenue Growth (YoY)+0.0%
EBITDA Margin26.4%
Net Margin21.4%
FCF Margin17.7%
CapEx % of Revenue6.2%
SBC % of Revenue0.3%
ROIC32.1%
WC Change % Rev-0.8%
Interest Coverage0.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover4.8
Change (vs Prior)+2.5%
Need at least 2 settlement dates for chart
Employees
Headcount289
Revenue / Employee$248,633
Gross Profit / Employee$165,266
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
10.3%(+2.9% YoY)
75 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.3%(+0.7% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.2% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $13.1M | $46.17 | +$261K | +$419K | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $8.4M | $42.87 | +$8.3M | +$8.4M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $4.9M | $44.11 | −$48K | +$40K | +2.3% | $1.61T |
| FIDELITY D & D BANCORP INC | $4.3M | $41.27 | +$41K | −$6K | +0.7% | $249M |
| STATE STREET CORPPassive | $3.3M | $44.16 | +$43K | +$95K | -0.2% | $2.89T |
| Siena Capital Partners GP, LLC | $2.0M | $42.80 | +$1.0M | +$2.0M | -0.4% | $385M |
| Creative Planning | $1.8M | $41.41 | +$3K | +$13K | -0.7% | $144.46B |
| COMMONWEALTH EQUITY SERVICES, LLC | $1.6M | $41.78 | +$414K | +$440K | -0.3% | $71.14B |
| LIBERTY SQUARE WEALTH PARTNERS LLC | $1.6M | $46.15 | +$0 | −$7K | -0.7% | $358M |
| GOLDMAN SACHS GROUP INC | $1.5M | $43.67 | +$389K | +$1.0M | -0.2% | $760.93B |
| NORTHERN TRUST CORPPassive | $1.5M | $44.53 | +$122K | −$123K | -0.2% | $755.34B |
| Bank of New York Mellon Corp | $1.3M | $43.94 | −$216K | +$18K | -0.2% | $543.21B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.3M | $42.87 | +$1.3M | +$1.3M | — | $395.83B |
| Quantinno Capital Management LP | $1.2M | $43.46 | −$108K | +$1.2M | -0.4% | $59.83B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.2M | $42.87 | +$1.2M | +$1.2M | — | $1.91T |
| STIFEL FINANCIAL CORP | $1.0M | $42.87 | +$43K | +$43K | -0.3% | $108.17B |
| DIMENSIONAL FUND ADVISORS LPPassive | $837K | $39.69 | +$121K | +$201K | -0.4% | $480.92B |
| AQR CAPITAL MANAGEMENT LLC | $710K | $42.66 | +$77K | +$710K | -0.2% | $218.19B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $522K | $41.66 | −$70K | −$71K | +0.7% | $645.81B |
| HSBC HOLDINGS PLC | $505K | $43.55 | +$146K | +$505K | -0.1% | $167.40B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.14%
avg per quarter
Holders (ex-self)
-0.07%
excl. this stock
Buyers (this Q)
-0.30%
41 buyers · $0.01B in
Sellers (this Q)
-0.26%
25 sellers · $0.00B out
alpha coverage: 82% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-7.3%
how holders react when this stock falls
On quiet Qs
-1.7%
−10% to +10% baseline
On rallies (+10%+)
+20.0%
how they react when this stock rises
Holders' portfolio flow this Q
+3.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+2.4%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-1.6%
Holder mid (any stock)
-0.1%
Holder rally (any stock)
-0.4%
Biggest decreases this quarter
JANE STREET GROUP, LLCexited−$256KQuadrature Capital Ltdexited−$223KBank of New York Mellon Corp−$216Kα-0.2Quantinno Capital Management LP−$108Kα-0.4CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$70Kα+0.7VALLEY NATIONAL ADVISERS INCexited−$59KGEODE CAPITAL MANAGEMENT, LLC−$48Kα+2.3NISA INVESTMENT ADVISORS, LLCexited−$17KAMALGAMATED BANKexited−$6KRENAISSANCE TECHNOLOGIES LLC−$4Kα+1.2
New buyers this quarter
Top-5 holders · 55.3%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
GEODE CAPITAL MANAGEMENT, LLC--
FIDELITY D & D BANCORP INC--
STATE STREET CORP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
FIDELITY D & D BANCORP INC99KMILLENNIUM MANAGEMENT LLC6KJacobi Capital Management LLC11KKistler-Tiffany Companies, LLC—Creative Planning41KSiena Capital Partners GP, LLC45KBank of New York Mellon Corp30KCOMMONWEALTH EQUITY SERVICES, LLC37KLIBERTY SQUARE WEALTH PARTNERS LLC36KGOLDMAN SACHS GROUP INC36K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$740K
8 txns · 4 insiders · 15,822 sh
Sells ($, 12mo)
$39K
1 txn · 1 insider · 1,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-11 | BUY | CALI BRIAN J | director, officer: Chairman of the Board | 308 | $45.50 | $14K | $19.30M |
| 2026-02-05 | BUY | MCDONALD MICHAEL J | director, officer: Vice Chairman | 10,414 | $48.01 | $500K | $8.70M |
| 2025-12-11 | BUY | CALI BRIAN J | director, officer: Chairman of the Board | 300 | $44.74 | $13K | $18.70M |
| 2025-11-10 | BUY | CALI BRIAN J | director, officer: Chairman of the Board | 1,951 | $44.50 | $87K | $18.59M |
| 2025-11-10 | BUY | Joyce William J. Sr. | director | 1,000 | $44.50 | $45K | $820K |
| 2025-11-10 | BUY | SANTANIELLO DANIEL J | director, officer: President & CEO | 1,000 | $44.50 | $45K | $2.69M |
| 2025-09-10 | BUY | CALI BRIAN J | director, officer: Chairman of the Board | 276 | $42.25 | $12K | $17.43M |
| 2025-07-03 | BUY | CALI BRIAN J | director, officer: Chairman of the Board | 573 | $43.37 | $25K | $17.89M |
| 2025-06-02 | SELL | WALSH EUGENE J | officer: VP & COO | 1,000 | $39.39 | $39K | $599K |
Order Flow (FINRA, ~3w lag)
15.2%retail-0.5pp
12.4%dark+1.9pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Fidelity D & D Bancorp, Inc.: Routine Administrative Filing Lacks Forensic Red Flags
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
2/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10