Fidelity Financials

FDBC Stock  USD 43.51  0.09  0.21%   
Based on the key measurements obtained from Fidelity's financial statements, Fidelity DD Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in February. At present, Fidelity's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 1.1 B, whereas Accounts Payable is forecasted to decline to about 14.9 M. Key indicators impacting Fidelity's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.23
Way Down
Slightly volatile
Return On Assets0.0060.0065
Significantly Down
Pretty Stable
Return On Equity0.06630.0865
Way Down
Pretty Stable
Debt Equity Ratio1.30.81
Way Up
Pretty Stable
Operating Income19.2 M31.5 M
Way Down
Slightly volatile
Current Ratio0.160.17
Notably Down
Very volatile
The financial analysis of Fidelity is a critical element in measuring its lifeblood. Investors should not minimize Fidelity's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

21.99 Million

  
Understanding current and past Fidelity Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Fidelity's financial statements are interrelated, with each one affecting the others. For example, an increase in Fidelity's assets may result in an increase in income on the income statement.
Please note, the presentation of Fidelity's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Fidelity's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Fidelity's management manipulating its earnings.

Fidelity Stock Summary

Fidelity competes with Chemung Financial, Oak Valley, First Community, National Bankshares, and First Financial. Fidelity D D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. Fidelity D D Bancorp, Inc. was founded in 1902 and is headquartered in Dunmore, Pennsylvania. Fidelity D operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 291 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS31609R1005
CUSIP31609R100
LocationPennsylvania; U.S.A
Business AddressBlakely And Drinker
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bankatfidelity.com
Phone570 342 8281
CurrencyUSD - US Dollar

Fidelity Key Financial Ratios

Fidelity Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.7B2.4B2.4B2.5B2.9B3.0B
Other Current Liab(20.2M)(15.9M)(30.4M)911.7M1.0B1.1B
Net Debt(64.3M)(86.3M)(8.5M)22.2M20.0M28.8M
Retained Earnings80.0M97.4M119.8M128.3M147.5M154.9M
Accounts Payable7.7M10.4M15.9M17.5M15.7M14.9M
Cash69.3M96.9M29.1M111.9M128.7M135.2M
Other Assets783.1M759.6M1.2B(42.7M)(49.1M)(51.6M)
Net Receivables25.8M33.8M41.7M42.7M49.1M51.6M
Total Liab1.5B2.2B2.2B2.3B2.7B2.8B
Total Current Assets487.6M869.6M491.7M154.6M139.2M132.2M
Short Term Debt628K1.6M12.9M117M105.3M110.6M
Common Stock77.7M114.1M115.6M117.7M135.3M142.1M
Other Liab7.0M10.1M26.9M16.8M19.3M20.3M
Long Term Debt5M10.6M7.6M7.4M6.6M9.8M
Inventory(75.3M)(104.8M)383.1M102.9M118.3M124.2M
Intangible Assets1.7M1.9M1.5M1.2M1.4M1.4M
Net Tangible Assets106.6M157.9M190.2M141.8M163.0M117.9M
Other Current Assets75.3M104.8M37.7M121.0M108.9M118.9M

Fidelity Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense5.3M3.6M6.4M31.8M28.6M30.0M
Total Revenue58.9M80.1M88.9M72.7M83.6M87.8M
Gross Profit58.9M80.1M88.9M72.3M83.2M87.4M
Operating Income15.3M28.0M36.6M27.4M31.5M19.2M
Ebit15.3M28.0M35.5M(5.7M)(5.1M)(4.9M)
Ebitda19.8M33.4M40.7M(1.0)(0.9)(0.85)
Income Before Tax15.3M28.0M35.5M20.3M23.3M24.5M
Net Income13.0M24.0M30.0M18.2M20.9M22.0M
Income Tax Expense2.2M4.0M5.4M2.0M2.4M1.7M
Tax Provision2.2M4.0M5.4M4.1M4.7M3.1M
Net Interest Income44.2M61.8M72.3M65.5M75.3M44.5M
Interest Income49.5M65.5M78.7M90.3M103.8M109.0M

Fidelity Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash53.7M27.5M(67.8M)82.9M95.3M100.1M
Free Cash Flow(1.1M)4.7M43.9M22.7M26.1M27.5M
Depreciation4.5M5.4M5.3M5.7M6.6M6.9M
Other Non Cash Items(17.8M)(27.6M)11.4M4.2M3.8M4.0M
Dividends Paid5.4M6.6M7.7M6.8M7.8M8.2M
Capital Expenditures1.4M2.5M5.5M7.0M8.0M8.4M
Net Income13.0M24.0M30.0M18.2M20.9M22.0M
End Period Cash Flow69.3M96.9M29.1M111.9M128.7M135.2M
Investments(164.2M)(304.8M)(117.8M)(69.2M)(62.2M)(65.4M)
Change Receivables(10K)(985K)(900K)(961K)(864.9K)(821.7K)
Net Borrowings(55.2M)(55.5M)(21.8M)10.1M9.1M9.5M
Change To Netincome11.2M(17.1M)(26.6M)12.6M11.3M11.9M

Fidelity Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Fidelity's current stock value. Our valuation model uses many indicators to compare Fidelity value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Fidelity competition to find correlations between indicators driving Fidelity's intrinsic value. More Info.
Fidelity DD Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Fidelity DD Bancorp is roughly  13.57 . At present, Fidelity's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Fidelity's earnings, one of the primary drivers of an investment's value.

Fidelity DD Bancorp Systematic Risk

Fidelity's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Fidelity volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Fidelity DD Bancorp correlated with the market. If Beta is less than 0 Fidelity generally moves in the opposite direction as compared to the market. If Fidelity Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Fidelity DD Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Fidelity is generally in the same direction as the market. If Beta > 1 Fidelity moves generally in the same direction as, but more than the movement of the benchmark.

About Fidelity Financials

What exactly are Fidelity Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Fidelity's income statement, its balance sheet, and the statement of cash flows. Potential Fidelity investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Fidelity investors may use each financial statement separately, they are all related. The changes in Fidelity's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Fidelity's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Fidelity Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Fidelity's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Fidelity growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.5)

At present, Fidelity's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Fidelity January 20, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Fidelity help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Fidelity DD Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Fidelity DD Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Fidelity Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Fidelity's daily price indicators and compare them against related drivers.

Complementary Tools for Fidelity Stock analysis

When running Fidelity's price analysis, check to measure Fidelity's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Fidelity is operating at the current time. Most of Fidelity's value examination focuses on studying past and present price action to predict the probability of Fidelity's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Fidelity's price. Additionally, you may evaluate how the addition of Fidelity to your portfolios can decrease your overall portfolio volatility.
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