DDM Analysis: FDBC

Valuation Snapshot

Stable Growth	$144.55 - $703.09	$256.95
Multi-Stage	$88.28 - $96.48	$92.31
Blended Fair Value	$174.63
Current Price	$43.83
Upside	298.43%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	16.99%	15.54%	1.53	1.17	1.34	1.14	0.93	0.70	0.59	0.51	0.53	0.49
YoY Growth	-	-	31.10%	-12.44%	16.66%	22.87%	33.22%	18.84%	15.00%	-3.50%	7.63%	36.21%
Dividend Yield	-	-	3.68%	2.49%	2.92%	2.47%	1.51%	1.37%	0.99%	1.04%	1.93%	2.33%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	26.09
(-) Cash Dividends Paid (M)	9.32
(=) Cash Retained (M)	16.77

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.22	3.26	1.96
Cash Retained (M)	16.77	16.77	16.77
(-) Cash Required (M)	-5.22	-3.26	-1.96
(=) Excess Retained (M)	11.56	13.51	14.82
(/) Shares Outstanding (M)	5.77	5.77	5.77
(=) Excess Retained per Share	2.00	2.34	2.57
LTM Dividend per Share	1.61	1.61	1.61
(+) Excess Retained per Share	2.00	2.34	2.57
(=) Adjusted Dividend	3.62	3.96	4.18
WACC / Discount Rate	8.14%	8.14%	8.14%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$144.55	$256.95	$703.09
Upside / Downside	229.79%	486.25%	1,504.12%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	26.09	27.79	29.59	31.52	33.57	35.75	36.82
Payout Ratio	35.71%	46.57%	57.43%	68.28%	79.14%	90.00%	92.50%
Projected Dividends (M)	9.32	12.94	17.00	21.52	26.57	32.17	34.06

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.14%	8.14%	8.14%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	11.85	11.97	12.08
Year 2 PV (M)	14.26	14.53	14.81
Year 3 PV (M)	16.54	17.02	17.50
Year 4 PV (M)	18.71	19.43	20.17
Year 5 PV (M)	20.75	21.76	22.80
PV of Terminal Value (M)	427.49	448.14	469.58
Equity Value (M)	509.61	532.84	556.93
Shares Outstanding (M)	5.77	5.77	5.77
Fair Value	$88.28	$92.31	$96.48
Upside / Downside	101.42%	110.61%	120.13%

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Fidelity D & D Bancorp, Inc. (FDBC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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