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Fidelity D & D Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$10.6M in Q3 2026 · $35.2M over twelve months

Operating cash flow$13.6M
Capital spending−$3.1M
Free cash flow+$10.6M
Cash / net income1.5×

Analysis

In Q3 2026, Fidelity D & D Bancorp generated $13.6M of operating cash flow and spent $3.1M on capital projects, leaving free cash flow of $10.6M. That is $8.4M more than in Q3 2025 ($2.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $51.4M; the largest uses were other investing ($271M), capital spending ($16.2M), dividends ($9.9M); besides operations, cash came from other financing ($144M), net borrowing (+) / repaid (−) ($131M); the cash balance rose by $31.4M.

Operating cash flow was $13.6M against net income of $8.9M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$2.0M, depreciation & amortization +$1.6M, accrued liabilities −$949K.

Free cash flow

Fidelity D & D Bancorp: free cash flow by quarterFidelity D & D Bancorp: free cash flow by quarter$5.9MQ4 2024$11.5MQ1 2025$6.9MQ2 2025$2.2MQ3 2025$4.2MQ4 2025$3.3MQ1 2026$17.1MQ2 2026$10.6MQ3 2026
Operating cash flow less capital spending.
Fidelity D & D Bancorp: operating cash flow against capital spendingFidelity D & D Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$6.5M$587KQ4 2024$11.7M$173KQ1 2025$12.6M$5.7MQ2 2025$8.4M$6.2MQ3 2025$9.7M$5.4MQ4 2025$7.6M$4.3MQ1 2026$20.5M$3.4MQ2 2026$13.6M$3.1MQ3 2026
Latest (Q3 2026): Operating cash flow $13.6M, Capital spending $3.1M.

Capital allocation, year by year

Fidelity D & D Bancorp: where the cash came from (up) and went (down), by fiscal yearFidelity D & D Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $7.2MFY2021: Net borrowing −$12.4MFY2021: Asset sales $1.7MFY2021: Capital spending −$2.5MFY2021: Dividends −$6.6M$8.9MFY2021FY2022: Operating cash flow $49.4MFY2022: Net borrowing $9.8MFY2022: Asset sales $1.1MFY2022: Capital spending −$5.5MFY2022: Buybacks −$1.3MFY2022: Dividends −$7.7M$60.4MFY2022FY2023: Operating cash flow $29.7MFY2023: Net borrowing $104MFY2023: Asset sales $844KFY2023: Capital spending −$7.0MFY2023: Dividends −$6.8M$134MFY2023FY2024: Operating cash flow $29.6MFY2024: Net borrowing −$118MFY2024: Asset sales $20KFY2024: Capital spending −$4.7MFY2024: Dividends −$8.8M$29.6MFY2024FY2025: Operating cash flow $42.4MFY2025: Net borrowing −$465KFY2025: Asset sales $623KFY2025: Capital spending −$17.5MFY2025: Dividends −$9.4M$43.0MFY2025
Over these 5 years operating cash flow totalled $158M; the largest uses were net borrowing ($131M) and dividends ($39.3M). Cash-flow statements as filed.

Where the cash came from and went

Fidelity D & D Bancorp: sources (+) and uses (−) of cash, Q3 2026Fidelity D & D Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$108MOther financing$51.6MCash drawn (+) / kept (−)$34.1MOperating cash flow$13.6MNet borrowing (+) / repaid (−)$12.8MCapital spending−$3.1MDividends−$2.5MAsset & business sales$1.8M
Fidelity D & D Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Fidelity D & D Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$271MOther financing$144MNet borrowing (+) / repaid (−)$131MOperating cash flow$51.4MCash drawn (+) / kept (−)−$31.4MCapital spending−$16.2MDividends−$9.9MAsset & business sales$2.4MTaxes on employees’ shares−$177K

From profit to cash

Fidelity D & D Bancorp: net income to operating cash flow, Q3 2026Fidelity D & D Bancorp: net income to operating cash flow, Q3 2026Net income$8.9MDepreciation & amortization$1.6MStock-based pay$324KGains on disposals−$304KAccrued liabilities−$949KPrepaid and other assets$2.0MOperating cash flow$13.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$13.6M−$3.1M−$2.5M$12.8M$34.1M$10.6M
Q2 2026$20.5M−$3.4M−$2.4M$120M−$52.7M$17.1M
Q1 2026$7.6M−$4.3M−$2.5M−$1.2M−$6.9M$3.3M
Q4 2025$9.7M−$5.4M−$2.4M−$116K−$5.9M$4.2M
Q3 2025$8.4M−$6.2M−$2.3M−$116K$23.3M$2.2M
Q2 2025$12.6M−$5.7M−$2.3M−$110K$45.7M$6.9M
Q1 2025$11.7M−$173K−$2.3M−$123K−$128M$11.5M
Q4 2024$6.5M−$587K−$2.3M−$25.1M$36.8M$5.9M

Fidelity D & D Bancorp: income statement and cash flow

Fidelity D & D Bancorp, Q3 2026: revenue $27.9M (+19% year over year), operating margin 38.5%. The chart follows the revenue to costs, profit and cash.

Fidelity D & D Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.