Fidelity D&D Bancorp, Inc. (FDBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$70.07+3.88%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FDBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 21.4% |
| Our one-year growth estimate | diamond | 10.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
FDBC — officer change
Dated 2025-12-29
null — Michael J. Pacyna, Jr.: The separation and release agreement indicates a genuine departure of Michael J. Pacyna, Jr.
Why it matters: The bank said loan growth drove higher credit provisions. Faster growth in those costs could weigh on earnings.
Worry ifThe next quarterly release shows loan-loss provision above $1.1 million and loan growth at or below Q3's pace.
Less concerning ifThe next quarterly release shows loan-loss provision at or below $1.1 million as loans keep growing.
Why it matters: Recent reports show cash dividends and a higher per-share payment. The next declared dividend will show whether that pattern continues.
Watch forThe next declared quarterly dividend is at least $0.43 per share.
Also watch forThe next declared quarterly dividend is below $0.43 per share, or the bank reports no cash dividend.
Why it matters: The new center opened in Q3, while costs for staff, software, and the move rose. Later results can show whether the project pays off.
Watch forA later release links the center to lower costs, more revenue, or a better efficiency ratio than Q3's 56.11%.
Also watch forA later release links the center to ongoing higher costs, with the efficiency ratio above 56.11%.
Why it matters: Margin rose to 3.30% in Q3 as deposit costs fell. A reading above 3.30% would show that this gain continued.
Supportive ifThe next quarterly release reports FTE net interest margin above 3.30%.
Worry ifThe next quarterly release reports FTE net interest margin at or below 3.30%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$114 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $266 loss on $10,000 · 2.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,553 loss on $10,000 · 15.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Loans grew $261.7 million, while deposits grew $142.9 million through Q3. More such gaps may mean greater use of short-term borrowing.
Worry ifThe next quarterly report shows loans growing faster than deposits. Short-term borrowings also rise.
Less concerning ifDeposit growth matches or exceeds loan growth, and short-term borrowings do not rise.