Financial Snapshot

Revenue
$78.96M
TTM
Gross Margin
Net Earnings
$15.43M
TTM
Current Assets
Current Liabilities
$25.00M
Q3 2024
Current Ratio
Total Assets
$2.616B
Q3 2024
Total Liabilities
$2.409B
Q3 2024
Book Value
$207.3M
Q3 2024
Cash
Q3 2024
P/E
20.16
Nov 29, 2024 EST
Free Cash Flow
$24.96M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $93.84M $78.67M $65.47M $49.50M $39.27M $35.33M $31.06M $27.50M
YoY Change 19.27% 20.17% 32.27% 26.04% 11.15% 13.73% 12.98%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $93.84M $78.67M $65.47M $49.50M $39.27M $35.33M $31.06M $27.50M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $2.776M $2.635M $2.566M $2.246M $1.765M $1.470M $1.233M $981.0K
YoY Change 5.35% 2.69% 14.25% 27.25% 20.07% 19.22% 25.69%
% of Gross Profit
Depreciation & Amortization $2.500M $2.300M $2.200M $1.900M $1.500M $1.300M $1.300M $1.400M $3.570M $3.140M $3.320M $3.470M $3.240M $2.330M $1.600M $610.0K $1.130M $1.350M
YoY Change 8.7% 4.55% 15.79% 26.67% 15.38% 0.0% -7.14% -60.78% 13.69% -5.42% -4.32% 7.1% 39.06% 45.63% 162.3% -46.02% -16.3% -9.4%
% of Gross Profit
Operating Expenses $2.776M $2.635M $2.566M $2.246M $1.765M $1.470M $1.233M $981.0K
YoY Change 5.35% 2.69% 14.25% 27.25% 20.07% 19.22% 25.69%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $31.79M $6.398M $3.639M $5.311M $7.554M $4.873M $3.223M $2.358M
YoY Change 396.84% 75.82% -31.48% -29.69% 55.02% 51.19% 36.68%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $20.26M $35.47M $28.01M $15.28M $13.90M $13.14M $9.922M $10.46M $8.920M $8.520M $9.760M $6.460M $6.690M -$5.760M -$3.020M $4.700M $6.250M $5.490M
YoY Change -42.89% 26.63% 83.26% 9.94% 5.84% 32.38% -5.16% 17.29% 4.69% -12.7% 51.08% -3.44% -216.15% 90.73% -164.26% -24.8% 13.84% -9.41%
Income Tax $2.046M $5.447M $4.001M $2.249M $2.326M $2.129M $1.206M $2.769M $1.820M $2.170M $2.640M $1.560M $1.650M -$2.560M -$1.620M $1.070M $1.640M $1.360M
% Of Pretax Income 10.1% 15.36% 14.28% 14.71% 16.73% 16.21% 12.15% 26.47% 20.4% 25.47% 27.05% 24.15% 24.66% 22.77% 26.24% 24.77%
Net Earnings $18.21M $30.02M $24.01M $13.04M $11.58M $11.01M $8.716M $7.693M $7.100M $6.350M $7.120M $4.900M $5.050M -$3.200M -$1.400M $3.640M $4.610M $4.130M
YoY Change -39.34% 25.05% 84.18% 12.6% 5.18% 26.27% 13.3% 8.35% 11.81% -10.81% 45.31% -2.97% -257.81% 128.57% -138.46% -21.04% 11.62% -10.02%
Net Earnings / Revenue 19.41% 38.16% 36.67% 26.34% 29.48% 31.15% 28.06% 27.98%
Basic Earnings Per Share $3.21 $5.32 $4.51 $2.84 $3.06 $2.93 $2.35 $2.09
Diluted Earnings Per Share $3.19 $5.320M $4.48 $2.82 $3.03 $2.90 $2.33 $2.09 $1.935M $1.749M $2.011M $1.429M $1.521M -$996.9K -$448.7K $1.174M $1.487M $1.345M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $34.23M $31.31M $39.60M $35.00M $27.90M $18.60M $16.60M $17.20M $16.70M $14.80M $13.60M $14.10M $13.60M $14.80M $15.40M $16.10M $13.00M $11.30M
YoY Change 9.34% -20.94% 13.14% 25.45% 50.0% 12.05% -3.49% 2.99% 12.84% 8.82% -3.55% 3.68% -8.11% -3.9% -4.35% 23.85% 15.04%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $500.0K $400.0K $500.0K $400.0K $400.0K $500.0K
YoY Change 25.0% -20.0% 25.0% 0.0% -20.0%
Other Assets $12.39M $15.35M -$1.800M -$5.000M -$3.700M -$2.000M -$1.800M -$2.400M -$1.500M -$200.0K $800.0K
YoY Change -19.28% -952.67% -64.0% 35.14% 85.0% 11.11% -25.0% 60.0% 650.0% -125.0%
Total Long-Term Assets
YoY Change
Total Assets $2.503B $2.378B $2.419B $1.700B $1.010B $981.1M $863.6M $792.9M $729.4M $676.5M $623.8M $601.5M $606.7M $561.7M $556.0M $575.7M $587.4M $562.3M
YoY Change
Accounts Payable $20.19M $17.48M $15.90M $10.40M $7.700M $9.000M $6.400M $4.600M $4.100M $3.400M $3.400M $3.900M $6.800M $2.900M $2.800M $3.300M $4.100M $4.200M
YoY Change 15.48% 9.96% 52.88% 35.06% -14.44% 40.63% 39.13% 12.2% 20.59% 0.0% -12.82% -42.65% 134.48% 3.57% -15.15% -19.51% -2.38%
Accrued Expenses $8.549M $9.357M $9.600M $7.600M $6.600M
YoY Change -8.64% -2.53% 26.32% 15.15%
Deferred Revenue
YoY Change
Short-Term Debt $117.0M $12.94M $0.00 $37.80M $76.40M $18.50M $4.200M $28.20M $4.000M $8.600M $8.100M $9.500M $8.500M $16.50M $38.10M $39.70M $33.70M
YoY Change 804.17% -100.0% -50.52% 312.97% 340.48% -85.11% 605.0% -53.49% 6.17% -14.74% 11.76% -48.48% -56.69% -4.03% 17.8%
Long-Term Debt Due $6.135M
YoY Change
Total Short-Term Liabilities $117.0M $26.84M $25.50M $18.00M $14.30M $9.000M $6.400M $4.600M $4.100M $3.400M $3.400M $3.900M $6.800M $2.900M $2.800M $3.300M $4.100M $4.200M
YoY Change 335.92% 5.25% 41.67% 25.87% 58.89% 40.63% 39.13% 12.2% 20.59% 0.0% -12.82% -42.65% 134.48% 3.57% -15.15% -19.51% -2.38%
Long-Term Debt $7.372M $7.619M $11.90M $300.0K $300.0K $300.0K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -3.24% -35.97% 3866.67% 0.0% 0.0%
Other Long-Term Liabilities $30.88M $27.95M
YoY Change 10.49%
Total Long-Term Liabilities $38.26M $35.57M $11.90M $300.0K $300.0K $300.0K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 7.55% 198.9% 3866.67% 0.0% 0.0%
Total Liabilities $2.314B $2.215B $2.207B $1.533B $903.1M $887.5M $776.3M $712.3M $653.0M $604.3M $557.8M $542.6M $553.1M $514.9M $510.3M $526.8M $532.2M $510.7M
YoY Change 4.44% 0.36% 44.01% 69.73% 1.76% 14.32% 8.98% 9.08% 8.06% 8.34% 2.8% -1.9% 7.42% 0.9% -3.13% -1.01% 4.21%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Basic Shares Outstanding 5.677M 5.645M 5.322M 4.586M 3.780M 3.753M 3.711M 3.680M 2.439M 2.413M 2.353M 2.286M
Diluted Shares Outstanding 5.717M 5.679M 5.363M 4.616M 3.822M 3.796M 3.735M 3.691M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $311.06 Million

About FIDELITY D & D BANCORP INC

Fidelity D&D Bancorp, Inc. is a holding company, which engages in the provision of commercial banking services. The company is headquartered in Dunmore, Pennsylvania and currently employs 291 full-time employees. The Fidelity Deposit and Discount Bank (the Bank) is the Company’s state-chartered commercial bank. The Bank offers a full range of traditional banking services. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. The Bank has investment securities classified into three categories: trading, available-for-sale or held-to-maturity (HTM). The Bank service area is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania. The company provides health benefit to bankers, including medical, dental and vision insurances, life insurance, long- and short-term disability coverage and flexible spending accounts. The Bank provides a digital banking experience online at www.bankatfidelity.com, through the Fidelity Mobile Banking app.

Industry: National Commercial Banks Peers: Bankwell Financial Group, Inc. Community West Bancshares COLONY BANKCORP INC First Guaranty Bancshares, Inc. NORWOOD FINANCIAL CORP Orange County Bancorp, Inc. /DE/ PNC FINANCIAL SERVICES GROUP, INC. River Financial Corp Southern States Bancshares, Inc.