Fidelity D&D Bancorp (FDBC)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $313M, Fidelity D&D Bancorp's free cash flow of $25M (fiscal 2025) would need to grow about -1% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from Fidelity D&D Bancorp's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from FDBC's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Fidelity D&D Bancorp's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $80M | $89M | $73M | $81M | $93M |
| Net income | $24M | $30M | $18M | $21M | $28M |
| Free cash flow | $5M | $44M | $23M | $25M | $25M |
| EPS (diluted) | $4.48 | $5.29 | $3.19 | $3.60 | $4.86 |
| Operating margin | — | — | — | — | — |
Superinvestors who own FDBC
From each investor's latest 13F filing (what a 13F shows). 1 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
Added | $1M | 0.0% | Q2 2026 |
Insider buying
Open-market purchases by Fidelity D&D Bancorp's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you. Every purchase since records began.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Sep 14, 2026 | Brian J Cali Chairman of the Board |
250 | — | — |
| Feb 5, 2026 | Michael J Mcdonald |
10,414 | $48.01 | $499,976 |
| Nov 10, 2025 | Brian J Cali |
1,951 | $44.50 | $86,820 |
| Nov 10, 2025 | Daniel J Santaniello |
1,000 | $44.50 | $44,500 |
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In the full deep dive
Questions
What growth does Fidelity D&D Bancorp's stock price imply?
At a market value of $313M, Fidelity D&D Bancorp would need its free cash flow to grow about -1% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 6% a year.
Are Fidelity D&D Bancorp insiders buying the stock?
4 open-market insider purchases of FDBC in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Fidelity D&D Bancorp?
1 of the superinvestors Investingly tracks hold FDBC in their latest 13F, including Cliff Asness.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.