FIDELITY D AND D BANCORP INC (FDBC)
Financials · Community Banking / Regional Banking · NASDAQ
A regional bank holding company serving Northeastern and Eastern Pennsylvania with traditional deposit-taking, lending, trust, and wealth management services.
What FIDELITY D AND D BANCORP INC does
Fidelity D & D Bancorp, Inc. is a Pennsylvania bank holding company whose wholly-owned subsidiary, The Fidelity Deposit and Discount Bank, offers traditional commercial banking services including deposits, loans, trust and fiduciary activities, and wealth management. Operating since 1903, the Bank serves customers in Lackawanna, Luzerne, and Northampton counties in Northeastern and Eastern Pennsylvania, maintaining strong local market positions with competitive advantages in customer service and local decision-making. The company's loan portfolio is concentrated in residential real estate, consumer, commercial, and commercial real estate loans, with profitability driven by net interest income, deposit relationships, and fee-based services.
Themes: community banking, wealth management, trust services, commercial lending, Northeast Pennsylvania economy
Fundamentals
- Price$53.63 as of 2026-08-21 close
- Market cap$312M as of 2026-08-21
- 1-year return+24.4% 2025-08-21 close $43.10 → 2026-08-21 close $53.63
- P/E10.59 as of 2026-08-24
- Net margin+30.1% as of 2026-08-24
- ROE+12.7% as of 2026-08-24
- Debt / equity0.49 as of 2026-08-24
- Revenue growth (YoY)+18.5% as of 2026-08-24
- Beta0.80 as of 2026-08-24
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FDBC compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FDBC's dividend was covered by reported results (earnings payout 33%, free-cash-flow payout 38%). This describes past coverage, not a forecast.
- Earnings payout33% dividends / net income
- Free-cash-flow payout38% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIDELITY D AND D BANCORP INC looks technically
FIDELITY D AND D BANCORP INC (FDBC) is trading 14.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 219 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 6 trading days ago. It is 4.5% below its 52-week high (its highest price of the past year). Trading volume is unusually light — only about 44% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 14.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $52.11 | $52.11 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $46.73 | $46.73 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 219 trading days ago — a "golden cross", a bullish long-term signal | 219 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 18.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 51.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($53.00 to $56.14) — its "stochastic" reading is 20 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 20.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $56.14 | $56.14 |
|---|---|---|
| From the 52-week high | it is 4.5% below its 52-week high (its highest price of the past year) | -4.5% |
| Above the 52-week low | it is 34.5% above its 52-week low (its lowest price of the past year) | +34.5% |
| Below the 52-week high | it is 4.5% below its highest point of the past year | 4.5% |
| Since a 20-day breakout | it made a new 20-day high about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $75.00 (set on 2018-09-21) | $75.00 |
| Given back of the 52-week move | over the past year its closes ranged ($41.29 to $55.74), and it has given back only a small part of its rise from last year’s low — 15% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $46.35 to $46.81. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 14.6% |
| From the all-time high | it is 28.5% below its all-time high | -28.5% |
| Nearest price level | it is trading 0.8% above a support level at $53.17 — a price it turned at four times since 2024-11-19, most recently on 2026-07-16. Since 2024-08-21 it has 11 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.8% |
| All-time low | its lowest closing price on record is $8.03 (set on 2010-05-28) | $8.03 |
| Above the all-time low | it is 567.6% above its all-time low | +567.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 36th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.36 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.36 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $51.88 and $56.03 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $51.88 – $53.96 – $56.03 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 5.1 daily ranges above its 200-day average price (14.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 44% of its 30-day average | 0.44× |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Open gap | it gapped 2.3% above the previous close 18 sessions ago and has not traded back through the level it left behind at 51.56 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.3% |
| Gap filled | a 2.1% gap down opened on 2026-07-22 has been "filled" 20 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 20 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 2.0 percentage points (the stock gained 4.4% while the market gained 2.3%) | +2.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 15.5 percentage points (the stock gained 18.6% while the market gained 3.1%) | +15.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 6.9 percentage points (the stock gained 18.0% while the market gained 11.1%) | +6.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.0 percentage points (the stock gained 24.4% while the market gained 20.5%) | +4.0% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.8% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.5% of the share price. | +5.8% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $48.35 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +10.9% |
|---|
Price levels it has turned at before
FDBC last closed at $53.63 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $53.17 | Support | 0.8% below the last close | turned there four times · 2024-11-19 to 2026-07-16 |
| $54.24 | Resistance | 1.1% above the last close | turned there twice · 2024-08-30 to 2024-10-17 |
| $55.68 | Resistance | 3.8% above the last close | turned there five times · 2024-09-10 to 2026-08-14 |
| $50.10 | Support | 6.6% below the last close | turned there 7 times · 2024-09-11 to 2026-07-08 |
| $48.96 | Support | 8.7% below the last close | turned there three times · 2025-02-06 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · beating the market · Trading above the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Economic dependency on Northeastern Pennsylvania market: Local unemployment and economic conditions significantly affect credit quality and profitability; downturns could increase non-performing assets and losses","Interest rate risk: Profitability significantly affected by changes in market interest rates, which influence net interest margins and the value of investment securities","Competitive pressure: Faces intense competition from local and regional banks, national banks, credit unions, and non-bank financial services providers for deposits and lending business"]
What changed in the latest 10-Q
AI-assisted comparison of FDBC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to comparison period being March 31, 2026 compared to December 31, 2025 (newer filing dated 2026-05-08)
- Added reference to 2025 Annual Report filed on Form 10-K (newer filing dated 2026-05-08)
- Added 'or armed conflict' to risk factor on acts of war and terrorism (newer filing dated 2026-05-08)
- Added specific unemployment data for March 2026 showing national rate of 4.3%, down 0.1 percentage point compared to December 2025 (newer filing dated 2026-05-08)
- Added February 2026 local unemployment rates of 5.5% in market area north and 4.9% in market area south (newer filing dated 2026-05-08)
- Added comparison increases of 1.2 and 1.0 percentage points respectively from December 31, 2025 baseline (newer filing dated 2026-05-08)
- Removed:
- Removed reference to September 30, 2025 comparison period (older filing dated 2025-11-07)
- Removed reference to December 31, 2024 comparison period (older filing dated 2025-11-07)
- Removed reference to comparison of three and nine months ended September 30 (older filing dated 2025-11-07)
- Removed reference to 2024 Annual Report filed on Form 10-K (older filing dated 2025-11-07)
- Removed phrase about continuing to 'improve' a full-service community bank (older filing dated 2025-11-07)
- Removed explanation about federal government services suspension in fourth quarter 2025 preventing labor statistics (older filing dated 2025-11-07)
- Removed reference to August 31, 2025 labor statistics as alternative (older filing dated 2025-11-07)
- Removed August 2025 national unemployment rate of 4.3%, up 0.2 percentage points compared to December 2024 (older filing dated 2025-11-07)
- Removed August 31, 2025 local unemployment rates of 5.4% and 5.1% (older filing dated 2025-11-07)
- Removed comparison increases of 1.6 and 1.7 percentage points from December 31, 2024 baseline (older filing dated 2025-11-07)
- Reworded:
- Changed 'continuing to improve' to 'continue to operate' in reference to full-service community bank (newer filing dated 2026-05-08)
- Changed 'acts of war, terrorism' to 'acts of war, terrorism, or armed conflict' (newer filing dated 2026-05-08)
- Changed unemployment data source from August 2025 to March 2026 and February 2026 (newer filing dated 2026-05-08)
- Notes:
- Comparison periods differ: newer filing covers Q1 2026 (three months ended March 31, 2026) while older filing covered nine-month period (three and nine months ended September 30, 2025)
- Both texts appear truncated at the end, preventing full assessment of complete section changes
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days.
- Last 90 days1 buy · 0 sells — 1 buying insider
- Last 180 days2 buys · 0 sells — 1 buying insider
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-12. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FDBC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FDBC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 397,939
- Reported value $17,222,799
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FDBC had 37,429 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FDBC had 0.64% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.71 days to cover at the same settlement.
- Reported short interest (shares) 37,429
- Short interest (% of shares outstanding) 0.64%
- Prior settlement (shares) 35,891
- Reported change 4.29%
- Days to cover (reported) 4.71
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fulton Financial (FULT)
- Peapack-Gladstone Financial (PGC)
- Univest Financial (UVSP)
- Customers Bancorp (CUBI)
- Mid Penn Bancorp (MPB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FDBC vs…
Frequently asked questions
What does FIDELITY D AND D BANCORP INC (FDBC) do?
Fidelity D & D Bancorp, Inc. is a Pennsylvania bank holding company whose wholly-owned subsidiary, The Fidelity Deposit and Discount Bank, offers traditional commercial banking services including deposits, loans, trust and fiduciary activities, and wealth management. Operating since 1903, the Bank serves customers in Lackawanna, Luzerne, and Northampton counties in Northeastern and Eastern Pennsylvania, maintaining strong local market positions with competitive advantages in customer service…
What sector is FIDELITY D AND D BANCORP INC (FDBC) in?
FIDELITY D AND D BANCORP INC (FDBC) is classified in the Financials sector. Its industry is Community Banking / Regional Banking. It trades on NASDAQ.
Does FDBC pay a dividend?
Yes — FIDELITY D AND D BANCORP INC (FDBC) pays a dividend, with an indicated yield of about 2.93% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are FIDELITY D AND D BANCORP INC's (FDBC) competitors?
Notable peers of FIDELITY D AND D BANCORP INC (FDBC) include Fulton Financial, Peapack-Gladstone Financial, Univest Financial, Customers Bancorp and Mid Penn Bancorp. This peer set is informational only — not financial advice.
Is FIDELITY D AND D BANCORP INC (FDBC) overbought or oversold right now?
FIDELITY D AND D BANCORP INC (FDBC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FDBC come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.