Stock fact sheet · data as of
Fidelity D & D Bancorp, Inc. (FDBC): fair value, margin of safety and Wheel Score
Ticker symbol FDBC · Financial Services · Banks - Regional · United States · Blend
Is FDBC undervalued?
At 70.07 (close of 5 Nov 2026), FDBC trades within a few percent of the GLS average fair value of 66.19 (5.9% above fair value). 9 models produced a value and they split 4 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between Lynch (22.22) and 10 Cap (133.92). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for FDBC, so the nightly engine files it under Blend (value score 49, growth score 49, out of 100).
Nine valuation models for FDBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 61.60 | -12% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 73.01 | +4% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 89.62 | +28% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 22.22 | -68% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 22.23 | -68% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 133.92 | +91% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 106.06 | +51% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 25.31 | -64% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 61.72 | -12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -374.58 | -635% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Fidelity D & D Bancorp, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability FDBC scores 6.7/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 11.0%, ROE 11.8%, ROA 1.0% - with debt at 0.07 times equity and a free-cash-flow yield of 7.5%.
The dividend yield is 2.45% at a payout ratio of 23%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Credit And Debit Card 32%, Deposit Account 22%, Fiduciary And Trust 17% (quarter Q1 FY2022).
Institutional ownership scores 3/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 11.0% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 11.8% |
| Debt / equity | 0.07 | ROA | 1.0% |
| Free-cash-flow yield | 7.5% | Payout ratio | 23% |
| Institutions | 3 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 23: No options
No options are listed on Fidelity D & D Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 23, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 30k shares a day on a market cap of $407M, with a beta of 0.80 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 6% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $407M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 6% above fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.7/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.80, $407M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 27 Jan 2027, 83 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 13 Nov 2026 (0.4600 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Fidelity D & D Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FCBM First Carolina Financial Services | 13.50 | 26.41 | +49% | 31No options | $408M |
| AVBC Avidia Bancorp, Inc. | 23.05 | 18.93 | -22% | 36Weak | $409M |
| NECB Northeast Community Bancorp, Inc. | 29.87 | 81.27 | +63% | 52Fair | $411M |
| NWFL Norwood Financial Corp. | 36.59 | 49.63 | +26% | 33No options | $399M |
| CHMG Chemung Financial Corporation | 86.88 | 79.83 | -9% | 19No options | $419M |
| FNLC The First Bancorp, Inc. | 37.15 | 34.38 | -8% | 35Weak | $419M |
| CZFS Citizens Financial Services, Inc. | 87.30 | 101.59 | +14% | 26No options | $420M |
| PKBK Parke Bancorp, Inc. | 33.44 | 48.92 | +32% | 51Fair | $393M |
| ISTR Investar Holding Corporation | 28.49 | 27.40 | -4% | 19No options | $393M |
| RVRF River Financial Corp. | 50.00 | 110.88 | +55% | 38No options | $391M |
| MSBC Mission Bancorp | 125.00 | 136.80 | +9% | 26No options | $385M |
| MFGI Merchants Financial Group, Inc. | 47.00 | 38.33 | -23% | 20No options | $384M |
⚖ Compare FDBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FDBC
Is FDBC undervalued right now?
Not meaningfully: at 70.07 the stock trades within a few percent of the GLS average fair value of 66.19 (5.9% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of FDBC and what does it mean?
FDBC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for FDBC?
66.19 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Fidelity D & D Bancorp, Inc. report earnings next?
The next earnings report is due on 27 Jan 2027, 83 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does FDBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FDBC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.