Fidelity D&D Bancorp, Inc. (FDBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$55.07+0.09%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -12.0% |
| Our one-year growth estimate | diamond |
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.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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.
| 10.7% |
Growth built into the price is above our model estimate.
The price assumes 22.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
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: A drop in sector revenue growth may mean bigger economic problems for FDBC.
Worry ifSector revenue growth reported below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: Rising non-interest expenses can show problems. They may hurt profits.
Worry ifNon-interest expenses increase year over year by more than 10%.
Less concerning ifNon-interest expenses grow less than 5% year over year.
Why it matters: A big rise in credit losses may show worse asset quality and higher risk.
Worry ifProvision for credit losses on loans exceeds $500,000 in Q3.
Less concerning ifProvision for credit losses on loans remains below $500,000 in Q3.
Why it matters: Growing total assets show success in strategic plans and business growth.
Supportive ifTotal assets were over $3.1 billion by December 2026.
Worry ifTotal assets remain below $3.0 billion at year-end.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$102 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $261 loss on $10,000 · 2.6% | 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: An increase in dividends shows strong financial health and support for shareholders.
Supportive ifDividend per share rises above $0.43 in Q3.
Worry ifDividend per share remains at or below $0.43 in Q3.
Why it matters: A slowdown in net interest income growth may signal weakening loan demand or pricing pressure.
Worry ifQ3 net interest income growth is reported below 15% year over year.
Less concerning ifQ3 net interest income growth exceeds 15% year over year.
Why it matters: A higher Tier 1 capital ratio shows better capital management. It means better financial health.
Supportive ifTier 1 capital ratio is above 9.5%.
Worry ifTier 1 capital ratio falls below 9.38%.
Why it matters: Slower asset growth may mean less demand for loans. It could also show market issues.
Worry ifTotal assets growth reported below $200 million in Q3.
Less concerning ifTotal assets growth exceeds $200 million in Q3.