NASDAQ$FDBC

Fidelity D & D Bancorp Inc · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Net income decreased due to higher non-interest expenses, but adjusted net income increased driven by higher non-interest income.

Fidelity D & D Bancorp reported a decrease in net income for Q4 2019, primarily due to merger-related expenses. However, adjusted net income, excluding these expenses, showed an increase driven by higher non-interest income. The company's total assets grew to over $1 billion during 2019.

  • Net income decreased by 5% to $2.7 million compared to the same period in 2018.
  • Diluted earnings per share were $0.71, down from $0.75 in Q4 2018.
  • Return on average assets (ROA) was 1.06%, and return on average equity (ROE) was 10.19%.
  • Net interest income increased slightly by 1% to $8.0 million.

Headline financials

Total Revenue

$10.6M

Previous: $10.2M+3.9%
EPS (adj)

$0.81

Previous: $0.75+8.0%
Net Interest Margin

3.5%

Previous: 3.5%-2.5%
Efficiency Ratio

65.4%

Previous: 62.7%+4.3%
Return on Avg Assets

1.1%

Previous: 1.2%-9.4%
Return on Avg Equity

10.2%

Previous: 12.4%-18.0%
Capital Expenditures

$1.82M

Previous: $1.7M+6.6%
Free Cash Flow

$2.39M

Previous: $1.68M+42.4%
Net Income

$2.71M

Previous: $2.85M-4.7%
Operating Income

$3.3M

No prior period
Cash & Equivalents

$15.7M

Previous: $17.5M-10.4%
Total Assets

$1.01B

Previous: $981M+2.9%
Stock-Based Comp

$179K

Previous: $159K+12.6%

Revenue & EPS history

Fidelity D & D Bancorp · Revenue · Quarterly

$10.6M

Q4 2019+3.9%vs Q4 2018

Forward guidance

The Company will focus on increasing assets by continuing to use its relationship management strategy and acquisition strategy to grow loans and deposits and achieve profitable returns.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

+0.5%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+0.5%

Avg return

30 days after

39%

26 / 66 earnings

Positive

+15.2%

Q3 2011

Best reaction

-10.6%

Q2 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.8%+0.6%-0.5%
Q4 2025-1.9%+6.5%+0.4%
Q3 2025+2.2%+2.4%+2.6%
Q2 2025-0.8%-1.6%+8.5%
Q1 2025+2.9%-0.4%-1.8%
Q4 2024+1.5%+2.7%+2.1%
Q3 2024+2.5%+4.5%+6.9%
Q2 2024-0.6%-4.8%-10.2%
Q1 2024-3.6%-2.9%-2.9%
Q4 2023+3.0%+8.7%-1.8%
Q3 2023-0.4%+0.2%+15.7%
Q2 2023-1.3%+0.7%-8.3%
Q1 2023-0.7%-4.1%-11.0%
Q4 2022-0.6%-0.8%+6.5%
Q3 2022+0.9%+0.9%+4.5%
Q2 2022+6.7%+5.5%+4.4%
Q1 2022-1.8%-3.4%+0.4%
Q4 2021+1.4%+3.4%-1.2%
Q3 2021+1.7%+3.8%+4.6%
Q2 2021-0.8%+0.5%+3.2%
Q1 2021+0.2%+4.3%-1.5%
Q4 2020-9.0%-10.4%-6.6%
Q3 2020+2.2%+2.0%+27.5%
Q2 2020-10.6%-9.7%-6.4%
Q1 2020-0.5%-4.1%-2.0%
Q4 2019+1.1%-4.9%-18.6%
Q3 2019-1.0%+0.4%+2.7%
Q2 2019-4.3%-2.2%-11.4%
Q1 2019-2.8%-0.4%-0.2%
Q4 2018-0.2%+1.5%-0.9%
Q3 2018+2.6%-0.6%-12.0%
Q2 2018+0.4%-7.2%-9.9%
Q1 2018-2.5%-4.3%+1.0%
Q4 2017+0.3%+0.3%+5.9%
Q3 2017+3.9%+5.6%+17.4%
Q2 2017+0.5%+1.3%+8.3%
Q1 2017-1.7%-1.7%-0.8%
Q4 2016+0.0%+3.2%+2.7%
Q3 2016-1.5%-1.5%+0.4%
Q2 2016+2.3%+1.5%+1.5%
Q1 2016+0.0%
Q4 2015-1.4%
Q3 2015-1.3%
Q2 2015+0.0%
Q1 2015+0.0%
Q4 2014+5.9%
Q3 2014+0.2%
Q2 2014+0.2%
Q1 2014-0.4%
Q4 2013+0.0%
Q3 2013+7.8%
Q2 2013+0.0%
Q4 2012+0.0%
Q1 2013-0.9%
Q4 2011+0.0%
Q1 2010+0.0%
Q3 2012+0.0%
Q2 2012-0.2%
Q1 2011+0.0%
Q1 2012+0.0%
Q4 2009+2.1%
Q3 2010+15.2%
Q3 2011+15.2%
Q4 2010+0.0%
Q2 2010+0.0%
Q2 2011+0.0%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro