Fidelity D & D Bancorp Inc (NASDAQ:FDBC)
Insiders here have filed 2 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $148.3M
- Net income
- $32.2M
- Net margin
- 21.7%
Little or no net debt.
- Total debt
- $137.4M
- Cash
- $173.6M
- Net debt / EBITDA
- -0.68x
Owes more within a year than it holds to pay it.
- Current assets
- $686.9M
- Current liabilities
- $2.74B
- Current ratio
- 0.25
The business funds itself from operations.
- Operating cash flow
- $38.5M
- Free cash flow
- $30.7M
- FCF margin
- 20.7%
Not funding itself by issuing shares.
- Shares outstanding
- 5.8M
- Share growth (1y)
- 0.1%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FDBC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 39.23 M | 37.20 M | 35.65 M | 36.21 M | 35.58 M | 34.83 M |
| Revenue Growth (YoY) | 10.26 % | 6.81 % | 10.65 % | 10.74 % | 11.18 % | 14.52 % |
| Cost of Revenue | 12.35 M | 11.70 M | 12.02 M | 12.07 M | 12.35 M | 11.85 M |
| Gross Profit | 26.88 M | 25.50 M | 23.63 M | 24.13 M | 23.23 M | 22.98 M |
| SG&A Expense | 0.00 | 437.00 K | 1.25 M | 9.25 M | 8.49 M | 8.60 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 16.11 M | 15.99 M | 15.19 M | 14.92 M | 14.63 M | 14.72 M |
| Operating Income | 10.77 M | 9.51 M | 8.44 M | 9.21 M | 8.59 M | 8.26 M |
| Pretax Income | 10.77 M | 9.51 M | 8.44 M | 9.21 M | 8.59 M | 8.26 M |
| Tax Provision | 1.85 M | 1.66 M | 979.00 K | 1.27 M | 1.25 M | 1.34 M |
| Net Income | 8.92 M | 7.85 M | 7.46 M | 7.94 M | 7.35 M | 6.92 M |
| EPS (Basic) | 1.54 | 1.34 | 1.29 | 1.38 | 1.27 | 1.20 |
| EPS (Diluted) | 1.53 | 1.33 | 1.28 | 1.37 | 1.27 | 1.20 |
| Shares Outstanding | 5.79 M | 5.86 M | 5.78 M | 5.78 M | 5.78 M | 5.76 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.