FDBCFidelity D & D Bancorp, Inc.

$56.22+33% 1Y

Is the business good?

Mixed

The checks split: margins widening, but returns that lean on debt.

1 good, 1 to watch, 2 without data
Margin direction, 3 years+11.3 pts

Positive operating leverage, operating profit is growing faster than sales, so margins widen as the business scales.

Where ROE comes from11.7× leverage

Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 12% = margin × turnover × leverage.

All from derived.

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.