Filing Flows › Fidelity D & D Bancorp (FDBC) › Q3 2026
Fidelity D & D Bancorp (FDBC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Fidelity D & D Bancorp (FDBC) reported revenue of $27.9M for the third quarter 2026 (Q3 2026), +19% from a year earlier and +6% from the quarter before. Operating margin was 38.5%, net earnings $8.9M (31.9% of revenue).
Fidelity D & D Bancorp, Q3 2026: revenue $27.9M (+19% year over year), operating margin 38.5%, net earnings $8.9M, operating cash flow $13.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.9M | +6% | +19% |
| Operating profit | $10.8M | +13% | +25% |
| Net earnings | $8.9M | +14% | +21% |
| Operating cash flow | $13.6M | -34% | +62% |
| Free cash flow | $10.6M | -38% | +381% |
What changed
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.
Questions
What was Fidelity D & D Bancorp's revenue in the third quarter 2026?
Fidelity D & D Bancorp (FDBC) reported revenue of $27.9M for the third quarter 2026 (Q3 2026), +19% from a year earlier and +6% from the quarter before.
Was Fidelity D & D Bancorp profitable in the third quarter 2026?
Operating profit was $10.8M (38.5% of revenue) and net earnings $8.9M.