Michael Pacyna - Fidelity President

FDBC Stock  USD 47.23  1.23  2.67%   

President

Mr. Michael J. Pacyna, Jr., is Executive Vice President Chief Business Development Officer of Fidelity Deposit and Discount Bank. Pacyna comes to Fidelity with a 26 year history in banking. Most recently, he was Senior Vice President, Market Manager, Commercial and Middle Market Divisions with The PNC Financial Services Group, Inc., . During his banking history, he spent time in branch banking as a Business Banker, and has provided leadership in Treasury Management, Merchant Services and in the Commercial Lending area since 2015.
Age 58
Tenure 9 years
Address Blakely And Drinker Streets, Dunmore, PA, United States, 18512
Phone570 342 8281
Webhttps://www.bankatfidelity.com
Pacyna has strong community involvement and has an outstanding background in new business development, managing sales teams, and cultivating customer relationships. In his new position he will provide oversight for Fidelity’s retail division, including the branch network, customer care center, business banking and mortgage origination.

Michael Pacyna Latest Insider Activity

Tracking and analyzing the buying and selling activities of Michael Pacyna against Fidelity stock is an integral part of due diligence when investing in Fidelity. Michael Pacyna insider activity provides valuable insight into whether Fidelity is net buyers or sellers over its current business cycle. Note, Fidelity insiders must abide by specific rules, including filing SEC forms every time they buy or sell Fidelity'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.

Fidelity Management Efficiency

The current year's Return On Capital Employed is expected to grow to 0.00, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, Fidelity's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 2.4 B, whereas Total Current Assets are forecasted to decline to about 115 M. Fidelity's management efficiency ratios could be used to measure how well Fidelity manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 134.12 M in liabilities with Debt to Equity (D/E) ratio of 8.55, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Fidelity until it has trouble settling it off, either with new capital or with free cash flow. So, Fidelity's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Fidelity DD Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Fidelity to invest in growth at high rates of return. When we think about Fidelity's use of debt, we should always consider it together with cash and equity.

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Fidelity D D Bancorp, Inc. operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers. Fidelity D D Bancorp, Inc. was founded in 1902 and is headquartered in Dunmore, Pennsylvania. Fidelity D operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 291 people. Fidelity DD Bancorp (FDBC) is traded on NASDAQ Exchange in USA. It is located in Blakely And Drinker Streets, Dunmore, PA, United States, 18512 and employs 291 people. Fidelity is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Fidelity DD Bancorp Leadership Team

Elected by the shareholders, the Fidelity's board of directors comprises two types of representatives: Fidelity inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Fidelity. The board's role is to monitor Fidelity's management team and ensure that shareholders' interests are well served. Fidelity's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Fidelity's outside directors are responsible for providing unbiased perspectives on the board's policies.
Mary McDonald, Independent Director
Eugene Walsh, Chief Risk and Credit Officer of Fidelity Deposit and Discount Bank and Executive VP of Fidelity Deposit and Discount Bank
Michael Pacyna, Executive Vice President & Chief Business Development Officer of the Bank
John Cognetti, Secretary, Director, Member of Human Resource/Employee Stock Incentive Committee and Director of Fidelity Deposit and Discount Bank
Timothy OBrien, Senior Executive Vice President and Chief Lending Officer of the Bank
Richard Lettieri, Independent Director
Ruth Turkington, Executive Officer
Mary McNichols, Senior Bank
Daniel Santaniello, CEO and President Director, CEO of Fidelity Deposit and Discount Bank and President of Fidelity Deposit and Discount Bank and Director of Fidelity Deposit and Discount Bank
Michael McDonald, Independent Director
John Pash, Investor Officer
William McAndrew, Senior Advisor
Brian Cali, Independent Director
Salvatore DeFrancesco, CFO, Treasurer; Executive Vice President and CFO of the Bank
Noelle Lantka, IR-Contact Officer
Nicholas Parise, VP Management
DeFrancesco CPA, Treasurer CFO
David Tressler, Independent Director
Patrick Dempsey, Chairman of the Board
Esq CTFA, Senior Officer
Kristin ODonnell, Director
CFA III, VP Officer

Fidelity Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Fidelity a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Fidelity in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Fidelity's short interest history, or implied volatility extrapolated from Fidelity options trading.

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When determining whether Fidelity DD Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Fidelity's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Fidelity Dd Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Fidelity Dd Bancorp Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Fidelity DD Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Note that the Fidelity DD Bancorp information on this page should be used as a complementary analysis to other Fidelity's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sync Your Broker module to sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors..

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When running Fidelity's price analysis, check to measure Fidelity's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Fidelity is operating at the current time. Most of Fidelity's value examination focuses on studying past and present price action to predict the probability of Fidelity's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Fidelity's price. Additionally, you may evaluate how the addition of Fidelity to your portfolios can decrease your overall portfolio volatility.
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Is Fidelity's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Fidelity. If investors know Fidelity will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Fidelity listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.94)
Dividend Share
1.46
Earnings Share
3.19
Revenue Per Share
12.744
Quarterly Revenue Growth
(0.41)
The market value of Fidelity DD Bancorp is measured differently than its book value, which is the value of Fidelity that is recorded on the company's balance sheet. Investors also form their own opinion of Fidelity's value that differs from its market value or its book value, called intrinsic value, which is Fidelity's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Fidelity's market value can be influenced by many factors that don't directly affect Fidelity's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Fidelity's value and its price as these two are different measures arrived at by different means. Investors typically determine if Fidelity is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Fidelity's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.