Fidelity D&D Bancorp Inc

ir.bankatfidelity.com

What Do They Do?

Provides banking and lending, trust, and financial and insurance services to customers in northeastern and eastern Pennsylvania.

How Do They Make Money?

revenue

Segment	Share	Revenue
Deposit Account	23% FY2022: 25%
Credit and Debit Card	29% FY2022: 33%
Bank Servicing	8.7% FY2022: 9.5%
Fiduciary and Trust	23% FY2022: 18%
Investment Advisory, Management and Administrative Service	6.4% FY2022: 6.9%
Financial Service, Other	11% FY2022: 8.3%

Who Are Their Customers?

Serves clients and prospects in its Pennsylvania market area with banking products and financial advice, aiming to build full banking relationships.

Do Revenues Turn Into Profits?

Yes. It kept 24 cents of every revenue dollar as net income in FY2025 and turned 21 cents into free cash flow.

Net income, FY2025

24% of revenue

▲ +36% vs FY2024 ($20.8M, 19%)

Free cash flow, FY2025

21% of revenue

▼ 0% vs FY2024 ($24.9M, 23%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +7%; vs $29.8M in Q2 FY2025
Net income: ▲ +13%; vs $6.9M in Q2 FY2025

Credit and Debit Card share of other income vs 27.5% in Q2 FY2025

Growing. Revenue grew 83% in 4 years, from $65.5M in FY2021 to $119.8M in FY2025, about 16% a year.

Revenue over time

Deposit Account Credit and Debit Card Bank Servicing Fiduciary and Trust Investment Advisory, Management and Administrative Service Financial Service, Other

$20M$10M$0

FY2021 FY2022 FY2023 FY2024 FY2025

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