Filing Flows › Financials › Fidelity D & D Bancorp (FDBC)
Fidelity D & D Bancorp (FDBC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Fidelity D & D Bancorp (FDBC) Q3 2026 earnings results →
Q3 2026 Revenue up 19% year over year to $27.9M · 32¢ of every $1 of revenue kept as net profit · operating margin 38.5%
Fidelity D & D Bancorp made $27.9M in Q3 2026 (+19% Y/Y): Net interest income $21.8M, Noninterest income $6.1M. Operating margin 38.5%, net earnings $8.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $27.9M in Q3 2026, up 19% year over year and up 6% from the previous quarter. Net interest income was the largest line at 78% of revenue. Net interest income added $3.4M year over year (up 18%), 77% of the total change.
Operating profit was $10.8M, a 38.5% margin (up 2.0 points year over year). Of the extra revenue versus a year earlier, 49% reached operating profit, above the 37% margin then. Total costs grew 15% against revenue growth of 19%. The fastest-growing cost line was Credit loss provision (+454%). Net earnings were $8.9M, up 21% year over year. The effective tax rate was 17.2%.
Operating cash flow was $13.6M (up 62% year over year), 153% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $324K of share-based compensation. Working capital and other items added $2.8M. Capital expenditures of $3.1M left free cash flow of $10.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $27.9M | +19% | 38.5% | $8.9M | $13.6M |
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Fidelity D & D Bancorp
Fidelity D & D Bancorp, Inc. (the Company) was incorporated in the Commonwealth of Pennsylvania, on August 10, 1999, and is a bank holding company, whose wholly-owned state chartered commercial bank subsidiary is The Fidelity Deposit and Discount Bank (the Bank) (collectively, the Company). The Company is headquartered at Blakely and Drinker Streets in Dunmore, Pennsylvania. The Company's primary market area (service area) is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania.
In its own words, from its 10-K, filed Mar 13, 2026.
Fidelity D & D Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +19% against the peers' median +8%. Operating margin: 38.5% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FDBC Fidelity D & D Bancorp | Q3 2026 | $27.9M | +19% | 38.5% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Fidelity D & D Bancorp 10-Q on SEC EDGAR · CIK 1098151 · National Commercial Banks
Guidance and outlook
13F: who owns FDBC and who is buying
More on FDBC
History
Every quarter: Q3 2026 results