Fidelity D & D Bancorp Reports Record Q4 & Full-Year 2025 Financial Results with Strong EPS Growth
FDBC sits 15% above its 52-week low of $37.
Summary
Fidelity D & D Bancorp Inc. reported record fourth quarter and full-year 2025 financial results, showcasing significant growth in net income and diluted EPS, alongside improved asset quality.
Key Events · Earnings and Guidance · FDBC
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Record Net Income and EPS Growth
Full-year 2025 net income increased to $28.2 million ($4.86 diluted EPS) from $20.8 million ($3.60 diluted EPS) in 2024, representing a 36% rise. Fourth-quarter net income also grew to $7.9 million ($1.37 diluted EPS) from $5.8 million ($1.01 diluted EPS) in the prior year quarter.
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Significant Asset Growth
Total assets reached $2.7 billion as of December 31, 2025, an increase of $163.4 million from December 31, 2024, primarily driven by growth in the loans and leases portfolio.
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Improved Asset Quality
Non-performing assets dramatically decreased to $2.2 million (0.08% of total assets) at year-end 2025, down from $7.8 million (0.30% of total assets) at year-end 2024, indicating strong credit management.
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Increased Tangible Book Value
Tangible book value per share rose to $37.88 at December 31, 2025, compared to $31.98 at December 31, 2024, reflecting enhanced shareholder equity.
Analysis · FDBC · Finance
Fidelity D & D Bancorp Inc. announced exceptionally strong financial results for both the fourth quarter and full year 2025, marking its strongest financial quarter in history. The company achieved substantial year-over-year growth in net income and diluted earnings per share, driven by increased net interest income and effective balance sheet management. Furthermore, the significant improvement in asset quality, with non-performing assets decreasing substantially, underscores a healthy financial position. The increase in tangible book value per share also reflects solid shareholder value creation. These results position the company favorably for continued performance in 2026.
At the time of this filing, FDBC was trading at $42.73 on NASDAQ in the Finance sector, with a market capitalization of approximately $246.4M. The 52-week trading range was $37.00 to $50.00. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.