FDBC FIDELITY D & D BANCORP INC

Nasdaq National Commercial Banks PA CIK: 0001098151
AI RATING
SELL
75% Confidence

Investment Thesis

Despite impressive 64.9% revenue growth, the company exhibits deteriorating fundamentals with net income flat YoY, indicating significant margin compression and operational headwinds. The severely depressed ROE of 3.0% and concerning 0.8x interest coverage ratio signal poor capital efficiency and potential debt service constraints that outweigh top-line growth.

Strengths

  • + Strong revenue growth of 64.9% YoY demonstrates market expansion
  • + Zero long-term debt with solid equity base of $244.7M provides financial flexibility
  • + Healthy operating margin of 27.7% shows operational efficiency at the EBIT level

Risks

  • ! Extremely depressed ROE of 3.0% indicates shareholders are earning minimal returns on equity
  • ! Net income flat YoY (+0.0%) despite 64.9% revenue growth reveals severe margin compression and profitability deterioration
  • ! Interest coverage ratio of 0.8x below 1.0x threshold raises critical concerns about debt service sustainability

Key Metrics to Watch

Financial Metrics

Revenue
30.5M
Net Income
7.5M
EPS (Diluted)
$1.28
Free Cash Flow
3.3M
Total Assets
2.9B
Cash
155.0M

Profitability Ratios

Gross Margin N/A
Operating Margin 27.7%
Net Margin 24.5%
ROE 3.0%
ROA 0.3%
FCF Margin 10.7%

Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
91.4%
Interest Coverage
0.79x
Long-term Debt
0.0
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-05-09T06:28:51.596330 | Data as of: 2026-03-31 | Powered by Claude AI