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FDBC

Fidelity D D BancorpC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 showed stronger earnings momentum, with EPS up 13%, net interest income up 16%, a 30-basis-point NIM expansion, lower deposit funding costs, and assets approaching $3.0 billion. If the spread and funding improvement persists, the stock could support a modest rerating.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Credit provisions could rise with loan and unfunded-commitment growth.
Momentum
92
Value
56
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $52.00 · Bull $58.00 · Bear $45.00Analysis 2026-08-03; returns require an exact persisted reference.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum92 · Δ7d -
Value56 · Δ7d -2.8
Sentiment42 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28.
  • • Value remains the lead driver in the composite, 7D delta -2.8.

Contradictions & invalidation

  • • Credit provisions could rise with loan and unfunded-commitment growth.
  • • Economic, interest-rate, and competitive conditions could reverse funding-cost or margin gains.
  • • Coverage is low, analyst targets and post-print revisions are unavailable, and the positive print did not produce a decisive immediate reaction.

Catalyst clock

2026-10-28

Q2 earnings and funding-cost improvement support near-term digestion

Lead driver: Value · See fundamentals
Momentum
92
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
56
47% active weight
Current posture
7d trendSoftening
Δ7d
-2.8
Δ21d
-4.3
Sentiment
42
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 92.2 / Value 55.8 / Sentiment 42.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
20%
Probability
Target price
$58.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$373.26M
Beta
0.90
Shares Out
5.81M
P/E (TTM)
9.7
P/S (TTM)
2.79
P/FCF (TTM)
14.62
Rev YoY
+6.0%
EPS YoY
+11.5%
Gross Margin
-
Op Margin
+24.7%
Net Debt
-$8.6M
Current Ratio
0.13
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data