FDBC
Fidelity D & D Bancorp, Inc.
FDBC trails on the overall score without a compensating advantage in the available component scores.
MS
Morgan Stanley
MS has the edge over FDBC overall, supported by stronger modeled upside and lower modeled downside.
FDBC Fundamentals
| Metric | Status |
|---|---|
| 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
FDBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $48.98 | -27% |
| Fair | 12x | $64.18 | -4.3% |
| Current | 12x | $67.06 | — |
| Expensive | 19x | $102 | +52% |
Historical ranges are pointers, not guarantees.
FDBC has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
FDBC Forward outlook
There aren't enough analyst estimates for FDBC to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
FDBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| 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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over FDBC on earnings, with stronger typical year-over-year growth.
FDBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +2 points |
| Q2 2026 | 36% | +0.8 points |
| Q1 2026 | 34% | +2.1 points |
| Q4 2025 | 38% | +6.4 points |
| Q3 2025 | 37% | +8.3 points |
| Q2 2025 | 35% | +6.6 points |
| Q1 2025 | 32% | +2.7 points |
| Q4 2024 | 31% | +31 points |
FDBC has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over FDBC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
FDBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
FDBC Total Shares
| Period | Change % | 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.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | $28,000 |
| Q3 2022 | $847,000 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over FDBC on shareholder dilution, with a more favorable share count trend.
FDBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -2.0x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -3.7x | Net Cash |
| Q3 2025 | -3.8x | Net Cash |
| Q2 2025 | -4.8x | Net Cash |
| Q1 2025 | -6.6x | Net Cash |
| Q4 2024 | -2.6x | Net Cash |
FDBC has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
FDBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 76.6 | Overbought |
| Stochastic | 83.4 | Overbought |
FDBC's weekly RSI is 77 (overbought) and its Stochastic is 83 (overbought).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
FDBC PE vs Financial Services Sector
| Metric | FDBC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.1% below |
| PE % | 57 | 63 | 6 pts below |
FDBC has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
FDBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $61.3 | 9.5% above |
| 20 week MA | $56.6 | 18% above |
| 50 week MA | $50.0 | 34% above |
| 100 week MA | $46.7 | 44% above |
| 200 week MA | $47.6 | 41% above |
FDBC has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
FDBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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 MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.