Fidelity D & D Bancorp, Inc. (FDBC) Fair Value 2026

FDBC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Fidelity D & D Bancorp, Inc. (FDBC) trades at $53.70, versus a $38.47 median fair value across its 6 active models — 28.4% below the current price. QOC: 8.1/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
FDBC
Price
$53.70
Quality Score
8.1/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.1/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Fidelity D & D Bancorp, Inc. (FDBC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Fidelity D & D Bancorp, Inc. (FDBC) appears overvalued as of : the median of 6 independent fair value estimates is $38.47, 28.4% below the current price of $53.70. Estimates range from $22.98 to $52.76. FDBC scores 8.1/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. FDBC’s -28.4% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Fidelity D & D Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give FDBC?

6 Intrinsic Value Models vs. Current Price ($53.70)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $35.88 -33.2%
Ensemble · Medium Conviction
 $35.75 -33.4%
Intrinsic · High Conviction
 $22.98 -57.2%
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What Is FDBC's Fair Value Range?

Spread across 6 independent models · $22.98 to $52.76

CirclFi's 6 active models place Fidelity D & D Bancorp, Inc. (FDBC) between $22.98 and $52.76 per share, a spread of 77% of the median. The median of that range — $38.47 — is the fair value CirclFi publishes for FDBC, against a current price of $53.70.

Low · Markov DDMHigh · Regime Cross
$22.98median $38.47$52.76
Where the range comes from
Most bearish modelMarkov DDM$22.98
Most bullish modelRegime Cross-Sectional$52.76
Model agreement0 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on FDBC, not a CirclFi price target. How each model works →

What Is Fidelity D & D Bancorp, Inc. (FDBC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Fidelity D & D Bancorp, Inc.'s intrinsic value is estimated at $38.47, suggesting the stock is overvalued at its current price of $53.70. With 5 out of 6 models flagging downside (-28.4% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at -1.8% (fair value: $52.76), while Markov DDM is the most conservative at -57.2% ($22.98). The spread between these extremes — +55.5% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About FDBC?

6 of 13 models are currently active for FDBC. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for FDBC is $38.47 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FDBC Rank in Banks - Regional?

Among 352 Banks - Regional stocks, FDBC ranks #152 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places FDBC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a financial institution, Fidelity D & D Bancorp, Inc. operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating FDBC should weigh these sector-specific dynamics alongside our model-derived fair values.

Is FDBC a Value Trap?

CirclFi's Value Trap algorithm assigns FDBC a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Fidelity D & D Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Fidelity D & D Bancorp, Inc.'s fundamental quality profile registers 8.1/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +55.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FDBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FDBC's 6 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Fidelity D & D Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CZNCCitizens & Northern CorporationQOC 8.1UWHRUwharrie Capital CorpQOC 8.1OPBKOP BancorpQOC 8.1TRSTTrustCo Bank Corp NYQOC 8.1UNBUnion Bankshares, Inc.QOC 8.1FNRNFirst Northern Community BancorpQOC 8.1BOHBank of Hawaii CorporationQOC 7.7FSEAFirst Seacoast Bancorp, Inc.QOC 6.2BWFGBankwell Financial Group, Inc.QOC 8.5STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: CZNC · UWHR · OPBK · TRST · UNB · FNRN · BOH · FSEA · BWFG · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to FDBC?

6 companies across all industries closest to FDBC’s Quality of Company score of 8.1/10.

IMPPImperial Petroleum Inc.QOC 8.1MHOM/I Homes, Inc.QOC 8.1LGCYLegacy Education Inc.QOC 8.1LIVNLivaNova PLCQOC 8.1PEPPepsiCo, Inc.QOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: IMPP · MHO · LGCY · LIVN · PEP · NVDA

Where Does FDBC Sit in CirclFi's Banks - Regional Rankings?

FDBC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Fidelity D & D Bancorp, Inc.’s Valuation?

What is Fidelity D & D Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Fidelity D & D Bancorp, Inc. (FDBC)'s intrinsic value at $38.47 — the median of 6 independent model estimates as of 2026-08-28, ranging from $22.98 to $52.76. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FDBC overvalued or undervalued right now?

At $53.70, 0 of 6 active models suggest FDBC may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $38.47, 28.4% below the current price of $53.70 — a consensus view that FDBC is overvalued. The assessment depends on which methodology best fits Fidelity D & D Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for FDBC?

Fidelity D & D Bancorp, Inc.'s QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FDBC?

CirclFi analyzes FDBC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FDBC?

Of the 6 models currently active on FDBC, Regime Cross-Sectional is the most bullish at $52.76 per share, and Markov DDM is the most bearish at $22.98. CirclFi's published fair value for FDBC is the median of that range, $38.47, not either extreme. The gap between the two ends equals 77% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is FDBC a value trap in 2026?

Fidelity D & D Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Fidelity D & D Bancorp, Inc. (FDBC) has a median fair value of $38.47 — 28.4% below the current price of $53.70 — as of 2026-08-28.” Source: circlfi.com/stock/FDBC/ · Methodology
Primary sources for this FDBC valuation
  • Financial statements: Fidelity D & D Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001098151) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FDBC as of ; valuations recomputed .

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