Stock fact sheet · data as of
Fidelity D & D Bancorp, Inc. (FDBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is FDBC undervalued?
At 57.84 (close of 16 Oct 2026), FDBC trades 13% under the GLS average fair value of 66.13. 5 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
There is a wide gap between Lynch (20.89) and 10 Cap (144.22). 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.
The nightly engine files FDBC under Value: positive earnings at a P/E of 18 or less.
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 | 56.48 | -2% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 71.24 | +23% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 84.28 | +46% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.89 | -64% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 21.72 | -62% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 144.22 | +149% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 113.03 | +95% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 25.31 | -56% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 58.04 | +0% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -374.58 | -748% | 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 Sunday Scan's "6 or more" rule with room to spare. On durability FDBC scores 5.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
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 9.8%.
The dividend yield is 2.97% at a payout ratio of 32%; 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 | 5.4 / 10 | ROE | 11.8% |
| Debt / equity | 0.07 | ROA | 1.0% |
| Free-cash-flow yield | 9.8% | Payout ratio | 32% |
| Institutions | 3 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Fidelity D & D Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 12k shares a day on a market cap of $336M, with a beta of 0.81; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 18 / 25 | 13% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 8 / 15 | moat 5.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 12k shares/day, $336M cap, beta 0.81 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Fidelity D & D Bancorp, Inc. reports earnings on 21 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| AVBH Avidbank Holdings, Inc. | 30.78 | 43.50 | +29% | 39No options | $338M |
| CFFI C&F Financial Corporation | 102.73 | 124.42 | +17% | 39No options | $334M |
| BCML BayCom Corp | 30.96 | 33.10 | +6% | 70Good | $338M |
| CSHX Cashmere Valley Bank | 89.89 | 123.63 | +27% | 39No options | $334M |
| SNLC Security National Corporation | 206.25 | 281.54 | +27% | 39No options | $338M |
| FBIP FNB Bancorp, Inc. | 51.65 | 31.16 | -66% | 29No options | $333M |
| BFCC BankFirst Capital Corporation | 62.48 | 99.50 | +37% | 39No options | $331M |
| NASB NASB Financial, Inc. | 45.60 | 62.67 | +27% | 39No options | $325M |
| CBNA Chain Bridge Bancorp, Inc. | 49.47 | 130.44 | +62% | 39No options | $325M |
| CCFN Muncy Columbia Financial Corporation | 30.48 | 71.38 | +57% | 39No options | $324M |
| TSBK Timberland Bancorp, Inc. | 45.00 | 67.20 | +33% | 78Good | $350M |
| FSBW FS Bancorp, Inc. | 44.63 | 95.17 | +53% | 39No options | $351M |
⚖ 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?
By the GLS models, moderately: at 57.84 the stock trades 13% below the average fair value of 66.13 (data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for FDBC?
66.13 per share as of 16 Oct 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 21 Oct 2026, 5 days from the data date of 16 Oct 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 is capped at 39.