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FDBC
FIDELITY D & D BANCORP INC
65.21
+0.12 +0.18%
USD · close Oct 27
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Work order
43
WATCH · shorts 43
Insiders, 90 days
0
no open-market filings in 90 days
Congress, 90 days
0 / 0
no disclosures naming it
Big money
0 / 15
none of the tracked funds disclose it
Calls on record
0
nobody we score has called it yet
MKT CAP $378.8MP/E 12.4DIV YIELD 2.59%FCF YIELD 7.08%REV TTM —NET INCOME $30.6M +29.0%NET CASH $207.7M52W 42.00 – 65.21SEC XBRL · TTM TO Invalid Date
How FDBC rewrote its risk factors
Text kept
90%
of sentences unchanged
Added
18
new sentences
Dropped
6
sentences removed
Length
+322
words, now 7,049
New in FY2025
- Further, the Company may face unknown or contingent liabilities arising from cybersecurity incidents or data breaches that previously occurred at companies it acquires.
- Such incidents may not have been discovered, disclosed, or if previously discovered fully-remediated before closing, and the acquired company’s representations, warranties, and indemnities may be limited in scope, duration, or recoverability.
- As a result, the Company could incur costs or liabilities after an acquisition relating to regulatory investigations, litigation, remediation efforts, reputational harm, or customer and partner claims, which could adversely affect its business, financial condition, and results of operations.
- The increasing use of social media platforms presents risks and challenges and our inability or failure to recognize, respond to and effectively manage the accelerated impact of social media could materially adversely impact our business.
- The use of social media platforms, including weblogs (blogs), social media websites, and other forms of Internet-based communications allows individuals access to a broad audience of consumers and other interested persons.
- Social media practices in the banking industry are continually evolving, which creates uncertainty and risk of noncompliance with regulations applicable to our business.
- The Company’s stock price can fluctuate significantly in response to a variety of factors including, among other things: ● Actual or anticipated variations in quarterly results of operations. ● Recommendations by securities analysts. ● Operating and stock price performance of other companies that investors deem comparable to the Company. ● News reports relating to trends, concerns and other issues in the financial services industry. ● Perceptions in the marketplace regarding the Company and/or its competitors. ● New technology used, or services offered, by competitors. ● Significant acquisitions or business combinations, strategic partnerships, joint ventures or capital commitments by or involving the Company or its competitors. ● Failure to integrate acquisitions or realize anticipated benefits from acquisitions. ● Changes in government regulations. ● Geopolitical conditions such as acts or threats of terrorism, civil unrest, hostilities, military deployment, military conflicts, or war.
- The rating agencies, due to constraints related to the rating of the United States, also placed government-sponsored enterprises in which the Company invests and receives lines of credit on a stable outlook and a downgrade of the United States government's credit rating would trigger a similar downgrade in the credit rating of these government-sponsored enterprises.
- Although it is difficult to predict with certainty the magnitude and extent of these effects at this time, we believe compliance with Dodd-Frank, its interpretive regulations, rules, and initiatives will negatively impact revenue and increase the cost of doing business.
- Changes to trade policies and tariffs can have an adverse impact on the Company’s business and its customers.
- Changes in trade policies, including the imposition of tariffs or the escalation of a trade war, could negatively impact the economic conditions in the markets the Company serves.
- The Company’s customers-particularly local businesses engaged in agriculture, manufacturing, and retail-may face higher costs for imported goods and materials, reduced export demand, and supply chain disruptions due to increased tariffs.
- These challenges could lead to lower revenues, reduced profitability, and potential layoffs, all of which may impair the Company’s customers' ability to meet their financial obligations.
- Furthermore, prolonged trade tensions and economic uncertainty could lead to market volatility, declining asset values, and weakened consumer confidence.
- If its customers experience financial stress, the Company could see an increase in loan delinquencies and credit losses, negatively affecting its asset quality and overall financial performance.
- Additionally, any decline in local economic activity could reduce loan demand, deposit growth, and fee income, which are critical to the Company’s long-term success.
- While it actively monitors economic and policy developments, the Company cannot predict the outcome of trade negotiations or the full impact of tariffs and trade restrictions on its business, customers, and the broader economy.
- Any adverse effects from tariffs or a trade war could materially and negatively impact its financial condition, results of operations, and future growth prospects.
Gone since FY2024
- The increasing use of social media platforms presents new risks and challenges and our inability or failure to recognize, respond to and effectively manage the accelerated impact of social media could materially adversely impact our business.
- There has been a marked increase in the use of social media platforms, including weblogs (blogs), social media websites, and other forms of Internet-based communications which allow individuals access to a broad audience of consumers and other interested persons.
- Social media practices in the banking industry are evolving, which creates uncertainty and risk of noncompliance with regulations applicable to our business.
- The Company’s stock price can fluctuate significantly in response to a variety of factors including, among other things: ● Actual or anticipated variations in quarterly results of operations. ● Recommendations by securities analysts. ● Operating and stock price performance of other companies that investors deem comparable to the Company. ● News reports relating to trends, concerns and other issues in the financial services industry. ● Perceptions in the marketplace regarding the Company and/or its competitors. ● New technology used, or services offered, by competitors. ● Significant acquisitions or business combinations, strategic partnerships, joint ventures or capital commitments by or involving the Company or its competitors. ● Failure to integrate acquisitions or realize anticipated benefits from acquisitions. ● Changes in government regulations. ● Geopolitical conditions such as acts or threats of terrorism or military conflicts.
- The rating agencies, due to constraints related to the rating of the United States, also placed government-sponsored enterprises in which the Company invests and receives lines of credit on negative watch and a downgrade of the United States government's credit rating would trigger a similar downgrade in the credit rating of these government-sponsored enterprises.
- Although it is difficult to predict with certainty the magnitude and extend of these effects at this time, we believe compliance with Dodd-Frank, its interpretive regulations, rules, and initiatives will negatively impact revenue and increase the cost of doing business.
Sentence-level comparison of Item 1A in the two most recent 10-Ks (FY2024 ↗, FY2025 ↗). A reworded sentence counts as one dropped and one added, so heavy edits read as low “kept”. Headings and page furniture are stripped; nothing is summarised by a model.