FDBC

Fidelity D & D Bancorp, Inc.

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

FDBC's fundamentals are strong: revenue grew 15% and its operating margin rose 3 points to 37%. At 12x earnings, it's trading in line with its usual 12x.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

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.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

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

FDBC PE Valuation

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

Historical ranges are pointers, not guarantees.

FDBC's PE is in its fair range at 12x.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

FDBC Forward outlook

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

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. 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.

There is not enough scenario data to compare FDBC and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare FDBC and IREN's risk to reward.

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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

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.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% 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 IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

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 the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

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.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

FDBC Weekly Momentum

MetricValueStatus
RSI76.6Overbought
Stochastic83.4Overbought

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

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

FDBC PE vs Financial Services Sector

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

FDBC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

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 IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% 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 IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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