Fifth District Bancorp, Inc. (FDSB) AI Stock Analysis

Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank, providing banking products and services primarily in the United States. The company offers deposit accounts including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, originates construction loans, home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, and share loans, and purchases consumer and commercial business loans. Additionally, it provides electronic banking services such as mobile, on-line, and telephone banking, bill pay, and SmartPay transfers.

Revenue expanded at a 3-year compound annual growth rate of 19.9% from FY2022 to FY2025, moving from $15.4M to $26.5M. Net income fluctuated over this span, dropping from $2.9M in FY2022 to a net loss of -$1.1M in FY2024, before rebounding to $4.1M and diluted EPS of $0.80 in FY2025. Gross margin was 65.2% and operating margin was 15.8% in FY2025. For the trailing twelve months, revenue was $14.1M with net profit margin at 11.8% and operating margin at 13.6%. In the latest quarter ended June 30, 2026, quarterly revenue fell 42.4% year-over-year and quarterly earnings declined 87.0%.

As of June 30, 2026, Fifth District Bancorp held $100.6M in cash and short-term investments, against total assets of $532.1M and shareholders' equity of $129.0M. The company reported a current ratio of 1.27. In FY2025, operating cash flow totaled $1.3M and free cash flow was $942,000. Capital expenditures during FY2025 were $384,000, while the company directed $2.9M toward share buybacks.

FDSB shares closed at $16.88, reflecting a 1-year return of 26.3% and a year-to-date gain of 12.5%, compared to a 16.8% 1-year gain for the S&P 500 (SPY). The company trades at a trailing price-to-earnings ratio of 49.6x and a price-to-sales ratio of 6.3x, compared to medians of 12.1x and 3.2x, respectively, for the median of its US-listed Financial Services peers. Fifth District Bancorp's price-to-book ratio is 0.7x, while enterprise value is $69.2M and market capitalization is $88.4M.

Fifth District Bancorp has an upcoming earnings date scheduled for November 9, 2026. No Wall Street analyst coverage ratings, price targets, or forward EPS estimates are available in the current records. Trailing twelve month earnings per share stand at $0.34, compared to FY2025 EPS of $0.80. The company's stock has traded between a 52-week low of $13.00 and a 52-week high of $18.69, sitting 4.8% above its 200-day average.

This page is an AI-written research summary of Fifth District Bancorp, Inc. (FDSB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FDSB income statement, FDSB balance sheet, FDSB key metrics, FDSB chart. See the FDSB stock overview for the latest quote and news.