Is FDBC or FDSB more undervalued in 2026?

CirclFi compares Fidelity D & D Bancorp, Inc. (FDBC) and Fifth District Bancorp, Inc. (FDSB) using 13 institutional-grade valuation models. FDBC has a Quality of Company score of 8.8/10 while FDSB scores 7.2/10.

Which is a better buy — FDBC or FDSB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FDBC and FDSB valuations compare?

FDBC at $46.18 and FDSB at $15.11 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FDBC vs FDSB Valuation Comparison 2026 — Intrinsic Value Analysis

FDBC

Banks - Regional

Fidelity D & D Bancorp, Inc.

Quality

8.8

out of 10

Value Trap

—

Price

$46.18

Last close

Models

11/13

Active

FDSB

Banks - Regional

Fifth District Bancorp, Inc.

Quality

7.2

out of 10

Value Trap

—

Price

$15.11

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FDBC Fair Value	FDBC Upside	FDSB Fair Value	FDSB Upside
Bayesian DCF	Intrinsic	$44.35	-4.0%	$10.82	-28.4%
Earnings Power Value	Intrinsic	$61.41	+33.0%	$12.35	-18.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FDBC vs FDSB — Which Stock Is More Undervalued?

FDBC scores higher with a 8.8/10 quality rating vs FDSB's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Fidelity D & D Bancorp, Inc. (FDBC) and Fifth District Bancorp, Inc. (FDSB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FDBC currently trades at $46.18 with a QOC of 8.8/10, while FDSB trades at $15.11 with a QOC of 7.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).