FDBC

Fidelity D & D Bancorp, Inc.

55
Fundamentals69/ 100
Valuation42/ 100
Upside potential43/ 100
Risk potential24/ 100

FDBC trails on the overall score without a compensating advantage in the available component scores.

GS

The Goldman Sachs Group, Inc.

64
Fundamentals69/ 100
Valuation50/ 100
Upside potential57/ 100
Risk potential14/ 100

GS has the edge over FDBC overall, supported by stronger modeled upside and lower modeled downside.

FDBC Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

FDBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FDBC.

GS Fundamentals

MetricStatus
Strong
Strong
N/A
N/A

GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.

FDBC PE Valuation

CHEAPFAIREXPENSIVE7.2x14x22x29x
CHEAPFAIREXPENSIVE7.2x14x22x29x
LevelPEPriceVs current
Cheap9x$48.98-27%
Fair12x$64.18-4.3%
Current12x$67.06—
Expensive19x$102+52%

Historical ranges are pointers, not guarantees.

FDBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.

GS PE Valuation

CHEAPFAIREXPENSIVE5.2x10x16x21x
CHEAPFAIREXPENSIVE5.2x10x16x21x
LevelPEPriceVs current
Cheap7.6x$528-42%
Current13x$914—
Forward13x$914—
Fair14x$940+2.9%
Expensive17x$1,214+33%

Historical ranges are pointers, not guarantees.

GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.

FDBC Forward outlook

There aren't enough analyst estimates for FDBC to show an outlook.

GS Forward outlook

MetricOutlook
Stable
Strong growth
Growth
Strongly improving
Limited
Low

Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.

FDBC Risk to reward

ScenarioChangePrice
Upside+18%$79.41
Downside-24%$50.95

Calculated from the latest close: $67.06 on Nov 12.

FDBC trails GS on modeled risk to reward, with less potential upside and more potential downside.

GS Risk to reward

ScenarioChangePrice
Upside+19%$1,085.26
Downside-14%$781.84

Calculated from the latest close: $913.60 on Nov 12.

GS has a better modeled risk to reward balance than FDBC, with more potential upside and less potential downside.

FDBC Earnings Per Share

Q4 2023: $3.19Q1 2024: $2.83Q2 2024: $2.75Q3 2024: $2.68Q4 2024: $3.60Q1 2025: $3.75Q2 2025: $4.09Q3 2025: $4.50Q4 2025: $4.79Q1 2026: $5.04Q2 2026: $5.17Q3 2026: $5.43
Q4 2023: $3.19Q1 2024: $2.83Q2 2024: $2.75Q3 2024: $2.68Q4 2024: $3.60Q1 2025: $3.75Q2 2025: $4.09Q3 2025: $4.50Q4 2025: $4.79Q1 2026: $5.04Q2 2026: $5.17Q3 2026: $5.43
QuarterTTM EPSYoY
Q3 2026$5.43+21%
Q2 2026$5.17+26%
Q1 2026$5.04+34%
Q4 2025$4.79+33%
Q3 2025$4.50+68%
Q2 2025$4.09+49%
Q1 2025$3.75+33%
Q4 2024$3.60+13%

FDBC's earnings per share have climbed steadily: $5.43 over the past year, up 21% from the year before, and higher year over year for eight quarters in a row.

GS Earnings Per Share

Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
QuarterTTM EPSYoY
Forward$72.35+4%
Q3 2026$69.58+41%
Q2 2026$64.82+43%
Q1 2026$54.75+27%
Q4 2025$51.32+27%
Q3 2025$49.22+44%
Q2 2025$45.37+45%
Q1 2025$43.08+68%
Q4 2024$40.54+77%

GS has the edge over FDBC on earnings, with stronger typical year-over-year growth.

FDBC Quarterly Revenue

Q4 2023: $13MQ1 2024: $20MQ2 2024: $20MQ3 2024: $20MQ4 2024: $21MQ1 2025: $22MQ2 2025: $23MQ3 2025: $24MQ4 2025: $24MQ1 2026: $25MQ2 2026: $26MQ3 2026: $28M
Q4 2023: $13MQ1 2024: $20MQ2 2024: $20MQ3 2024: $20MQ4 2024: $21MQ1 2025: $22MQ2 2025: $23MQ3 2025: $24MQ4 2025: $24MQ1 2026: $25MQ2 2026: $26MQ3 2026: $28M
QuarterRevenueYoY
Q3 2026$27.9M+19%
Q2 2026$26.2M+13%
Q1 2026$24.6M+12%
Q4 2025$24.4M+15%
Q3 2025$23.5M+15%
Q2 2025$23.3M+18%
Q1 2025$22M+13%
Q4 2024$21.2M+64%

FDBC's revenue has grown year over year for nine quarters in a row: $28M last quarter, up 19% from the same quarter a year ago.

GS Quarterly Revenue

Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
QuarterRevenueYoY
Q3 2026$18.7B+23%
Q2 2026$20.3B+39%
Q1 2026$17.2B+14%
Q4 2025$13.5B-3%
Q3 2025$15.2B+20%
Q2 2025$14.6B+15%
Q1 2025$15.1B+6%
Q4 2024$13.9B+23%

GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.

FDBC Free Cash Flow

Q4 2023: $6MQ1 2024: $4MQ2 2024: $7MQ3 2024: $8MQ4 2024: $6MQ1 2025: $12MQ2 2025: $7MQ3 2025: $2MQ4 2025: $4MQ1 2026: $3MQ2 2026: $17MQ3 2026: $11M
Q4 2023: $6MQ1 2024: $4MQ2 2024: $7MQ3 2024: $8MQ4 2024: $6MQ1 2025: $12MQ2 2025: $7MQ3 2025: $2MQ4 2025: $4MQ1 2026: $3MQ2 2026: $17MQ3 2026: $11M
QuarterFree cash flowYoY
Q3 2026$10.6M+381%
Q2 2026$17.1M+149%
Q1 2026$3.3M-72%
Q4 2025$4.2M-28%
Q3 2025$2.2M-72%
Q2 2025$6.9M-4.5%
Q1 2025$11.5M+185%
Q4 2024$5.9M-1%

FDBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.

GS Free Cash Flow

Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
QuarterFree cash flowYoY
Q3 2026$3.7B+72%
Q2 2026$5.6B+7.8%
Q1 2026-$32.4B+$5.3B
Q4 2025-$16.8B-136%
Q3 2025$2.1B+$40.6B
Q2 2025$5.2B-6.8%
Q1 2025-$37.7B-$9.2B
Q4 2024$46.2B+$75.1B

GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.

FDBC Total Shares

Q4 2023: 6MQ1 2024: 6MQ2 2024: 6MQ3 2024: 6MQ4 2024: 6MQ1 2025: 6MQ2 2025: 6MQ3 2025: 6MQ4 2025: 6MQ1 2026: 6MQ2 2026: 6MQ3 2026: 6M
Q4 2023: 6MQ1 2024: 6MQ2 2024: 6MQ3 2024: 6MQ4 2024: 6MQ1 2025: 6MQ2 2025: 6MQ3 2025: 6MQ4 2025: 6MQ1 2026: 6MQ2 2026: 6MQ3 2026: 6M
PeriodChange %Net change
Quarterly-0.8%-47.3K shares
1 year+1.3%+76.6K shares
3 years+2.1%+119K shares
5 years+2.8%+161K shares
Available history+53%+2M shares

FDBC has 6M diluted shares, up 1.3% from a year ago.

GS Total Shares

Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
PeriodChange %Net change
Quarterly-1.2%-3.8M shares
1 year-4.4%-13.9M shares
3 years-12%-42.8M shares
5 years-15%-52.8M shares
Available history-20%-74.4M shares

GS has the edge over FDBC on shareholder dilution, with a more favorable share count trend.

FDBC Net Leverage

Q4 2023: 0.5xQ1 2024: -1.7xQ2 2024: 1.2xQ3 2024: -3.9xQ4 2024: -2.6xQ1 2025: -6.6xQ2 2025: -4.8xQ3 2025: -3.8xQ4 2025: -3.7xQ1 2026: -3.8xQ2 2026: -2.0xQ3 2026: -0.8x
Q4 2023: 0.5xQ1 2024: -1.7xQ2 2024: 1.2xQ3 2024: -3.9xQ4 2024: -2.6xQ1 2025: -6.6xQ2 2025: -4.8xQ3 2025: -3.8xQ4 2025: -3.7xQ1 2026: -3.8xQ2 2026: -2.0xQ3 2026: -0.8x
QuarterNet LeverageStatus
Q3 2026-0.8xNet Cash
Q2 2026-2.0xNet Cash
Q1 2026-3.8xNet Cash
Q4 2025-3.7xNet Cash
Q3 2025-3.8xNet Cash
Q2 2025-4.8xNet Cash
Q1 2025-6.6xNet Cash
Q4 2024-2.6xNet Cash

FDBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FDBC.

GS Net Leverage

Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
QuarterNet LeverageStatus
Q3 2026-5.4xNet Cash
Q2 2026-6.1xNet Cash
Q1 2026-6.7xNet Cash
Q4 2025-6.4xNet Cash
Q3 2025-3.5xNet Cash
Q2 2025-3.1xNet Cash
Q1 2025-3.9xNet Cash
Q4 2024-4.7xNet Cash

GS has the edge over FDBC on leverage, with a lower net debt burden relative to earnings.

FDBC Weekly Momentum

MetricValueStatus
RSI76.6Overbought
Stochastic83.4Overbought

FDBC's weekly RSI is 77 (overbought) and its Stochastic is 83 (overbought).

GS Weekly Momentum

MetricValueStatus
RSI44.5Neutral
Stochastic16.3Oversold

GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).

FDBC PE vs Financial Services Sector

MetricFDBCSector medianRelative
PE12x13x5.1% below
PE %57636 pts below

FDBC has the edge over GS on valuation relative to its sector.

GS PE vs Financial Services Sector

MetricGSSector medianRelative
PE13x13x0.8% above
PE %466317 pts below

GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

FDBC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$61.39.5% above
20 week MA$56.618% above
50 week MA$50.034% above
100 week MA$46.744% above
200 week MA$47.641% above

FDBC has the edge over GS on trend strength, trading above more of its moving averages.

GS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$895.52% above
20 week MA$977.46.5% below
50 week MA$945.43.4% below
100 week MA$804.514% above
200 week MA$602.752% above

GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.

FDBC Yearly ROI

YearStart priceEnd priceROI
2020$63.4$64.3+1.4%
2021$64.3$58.6-8.9%
2022$58.6$45.9-22%
2023$45.9$58.0+26%
2024$58.0$48.7-16%
2025$48.7$45.3-7.1%
2026 YTD$45.3$67.1+48%

FDBC has the edge over GS on returns for 2026, with the stronger performance.

GS Yearly ROI

YearStart priceEnd priceROI
2020$230.7$256.2+11%
2021$256.2$385.0+50%
2022$385.0$345.5-10%
2023$345.5$385.8+12%
2024$385.8$576.2+49%
2025$576.2$907.0+57%
2026 YTD$907.0$913.6+0.7%

GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.

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