企業概要
Fidelity D & D Bancorp, Inc. operates as a bank holding company that oversees The Fidelity Deposit and Discount Bank, which provides a comprehensive suite of banking, trust, and financial services tailored to individuals, small businesses, and corporate clients. The institution functions within the broader Financial Services sector, specifically categorized under Banks - Regional, indicating its localized operational footprint and service focus within the regional economy. The company's market capitalization stands at $273.83M, supported by an annual revenue of $91.66M and a workforce comprising 298 employees. These valuation and revenue figures suggest that the entity maintains a mid-sized market presence, balancing the need for capital efficiency with the operational scale required to serve its diverse customer base effectively.
財務健全性
The company reported revenue of $91.66M and net income of $28.20M for the trailing twelve months, while EBITDA data is not available for public disclosure in the current dataset. The significant difference between the total revenue figure and the net income figure reveals a cost structure where operating expenses amount to approximately $63.46M, which is typical for regional banking operations but highlights the substantial overhead required to maintain compliance, technology infrastructure, and branch networks. Although free cash flow metrics are not currently disclosed, the reported cash balance of $148.21M indicates a robust liquidity position that provides the firm with financial flexibility for asset deployment or dividend payments. The gross margin is recorded at 0.0%, a standard characteristic for banking institutions where revenue is primarily interest-based rather than product-markup driven, while the operating margin of 39.5% and profit margin of 30.8% demonstrate efficient cost management and strong profitability relative to sales. The company holds $148.21M in cash against $17.88M in debt, resulting in a debt-to-equity ratio that is not available for citation, yet the disparity between assets and liabilities suggests a highly conservative balance sheet with minimal leverage. Regarding short-term liquidity, the current ratio is not available in the provided data, preventing a direct assessment of immediate solvency relative to current liabilities. Finally, the Return on Equity of 12.7% and Return on Assets of 1.1% indicate that management is effectively deploying shareholder capital to generate returns, with the ROA reflecting the low-yield nature of typical bank asset portfolios.
バリュエーション評価
The trailing twelve-month P/E ratio is 9.58, whereas the forward P/E ratio is not available, implying that analysts do not yet have a consensus on the company's near-term earnings trajectory or that future earnings growth expectations are not being priced in via a forward multiple. The price-to-book ratio stands at 1.13, suggesting that the market values the company at a slight premium over its tangible book value, which is consistent with well-capitalized regional banks with solid asset quality. Alternative valuation metrics such as the price-to-sales ratio of 2.99 and the EV/EBITDA multiple, which is not available, provide additional context on how the stock is priced relative to its top-line growth and enterprise value, respectively. The stock has traded between a 52-week low of $37.00 and a 52-week high of $50.00, meaning the current price point fluctuates within a range that reflects recent market volatility and sector rotation. The beta of 0.82 indicates that the stock exhibits lower price volatility compared to the broader market, offering a more stable investment profile that may appeal to income-focused investors seeking less sensitivity to macroeconomic swings.
Growth & Income
Revenue growth for the year-over-year period is 14.6%, while earnings growth is significantly higher at 34.7%, implying that the company is successfully improving its operational efficiency and cost structure to drive profitability faster than its top line is expanding. The company distributes a dividend yield of 3.6% to shareholders, and with a payout ratio of 33.5%, the dividend is highly sustainable given that it covers less than one-third of the generated earnings, leaving ample room for retention and growth. This conservative payout strategy allows the institution to reinvest a substantial portion of its profits back into the bank, such as expanding loan portfolios or upgrading digital banking capabilities, rather than exhausting earnings on high payouts. Overall, the growth and income profile presents a scenario of accelerating earnings per share alongside a reliable, low-risk dividend stream that supports long-term shareholder value creation.