Fifth District Bancorp, Inc. (FDSB) Income Statement
FDSB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsFDSB revenue and net income
Where FDSB's revenue goes
2025Each bar shows an amount and its share of revenue. FDSB kept 15.4% of revenue as net income.
FDSB profit margins
FDSB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +37.3% | +19.9% | — | — |
| Gross profit | +53.1% | +7.9% | — | — |
| Operating income | — | +4.9% | — | — |
| Net income | — | +12.0% | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
FDSB quarterly EPS vs estimates
Next report: November 9, 2026.
FDSB income statement
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $26.5M | $19.3M | $17.4M | $15.4M |
| Cost of revenue | $9.2M | $8.0M | $6.0M | $1.6M |
| Gross profit | $17.3M | $11.3M | $11.3M | $13.7M |
| Sales, general & admin | $8.2M | $7.3M | $6.8M | $6.7M |
| Total operating expenses | $13.1M | $12.7M | $10.4M | $10.1M |
| Operating income | $4.2M | −$1.4M | $946,000 | $3.6M |
| Interest income | $22.1M | $19.3M | $16.4M | $14.4M |
| Interest expense | $9.2M | $9.2M | $6.4M | $1.6M |
| Income before taxes | $4.2M | −$1.4M | $946,000 | $3.6M |
| Income taxes | $97,000 | −$358,000 | $149,000 | $712,428 |
| Net income | $4.1M | −$1.1M | $797,000 | $2.9M |
| EBITDA | $4.9M | −$742,000 | $1.5M | $4.2M |
| EPS (diluted) | $0.80 | −$0.11 | $0.14 | — |
| Gross margin | 65.2% | 58.5% | 65.3% | 89.5% |
| Operating margin | 15.8% | −7.4% | 5.4% | 23.6% |
| Net margin | 15.4% | −5.6% | 4.6% | 19.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.0M | $5.9M | $5.9M | $5.9M | $9.2M | $5.5M | $5.4M | $5.4M | $5.0M | $3.4M | $4.5M | $4.4M |
| Cost of revenue | $2.1M | $2.1M | $2.3M | $2.3M | $2.3M | $2.3M | $2.3M | $2.2M | $1.4M | $2.2M | $1.8M | $1.7M |
| Gross profit | $4.0M | $3.8M | $3.6M | $3.6M | $6.9M | $3.2M | $3.1M | $3.2M | $3.7M | $1.3M | $2.7M | $2.7M |
| Sales, general & admin | $2.4M | $2.1M | $1.7M | $1.9M | $2.7M | $2.0M | $1.9M | $1.9M | $1.8M | $1.7M | $1.6M | $1.7M |
| Total operating expenses | $3.5M | $3.3M | $3.0M | $3.1M | $3.8M | $3.1M | $3.0M | $4.2M | $2.8M | $2.7M | $2.5M | $2.7M |
| Operating income | $485,000 | $490,000 | $617,000 | $434,000 | $3.0M | $99,000 | $130,000 | −$998,000 | $865,000 | −$1.4M | $163,203 | $49,000 |
| Interest income | $5.8M | $5.7M | $5.7M | $5.7M | $5.5M | $5.2M | $5.1M | $5.2M | $4.6M | $4.3M | $4.2M | $4.2M |
| Interest expense | $2.1M | $2.1M | $2.3M | $2.3M | $2.3M | $2.3M | $2.3M | $2.3M | $2.4M | $2.3M | $2.0M | $1.8M |
| Income before taxes | $485,000 | $490,000 | $617,000 | $434,000 | $3.0M | $99,000 | $130,000 | −$998,000 | $865,000 | −$1.4M | $163,203 | $49,000 |
| Income taxes | $101,000 | $103,000 | $76,000 | $91,000 | −$91,000 | $21,000 | −$29,000 | −$210,000 | $182,000 | −$301,000 | −$15,239 | $10,000 |
| Net income | $384,000 | $387,000 | $541,000 | $343,000 | $3.1M | $78,000 | $159,000 | −$788,000 | $683,000 | −$1.1M | $178,442 | $39,000 |
| EBITDA | $649,000 | $654,000 | $783,000 | $602,000 | $3.2M | $269,000 | $301,000 | −$828,000 | $1.1M | −$1.3M | $302,227 | $188,000 |
| EPS (diluted) | $0.08 | $0.08 | $0.10 | $0.07 | $0.61 | $0.02 | $0.04 | −$0.15 | — | — | — | — |
| Gross margin | 65.5% | 64.2% | 61.5% | 60.3% | 74.6% | 58.5% | 57.4% | 59.6% | 72.9% | 36.8% | 60.5% | 61.4% |
| Operating margin | 8.0% | 8.3% | 10.5% | 7.3% | 33.0% | 1.8% | 2.4% | −18.3% | 17.2% | −42.1% | 3.6% | 1.1% |
| Net margin | 6.4% | 6.6% | 9.2% | 5.8% | 34.0% | 1.4% | 3.0% | −14.5% | 13.5% | −33.3% | 4.0% | 0.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in FDSB's financial statements (latest annual report filed March 24, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
FDSB financial results
In fiscal year 2025 (ended December 31, 2025), Fifth District Bancorp reported revenue of $26.5 million, up 37.3% from the year before. It had net income of $4.1 million, a net profit margin of 15.4%. Diluted earnings per share came to $0.80.
See the FDSB stock overview for the latest quote and news, or the FDSB chart for price history and technical indicators.
FDSB income statement FAQ
What is Fifth District Bancorp's annual revenue?
Fifth District Bancorp reported total revenue of $26.5 million for fiscal year 2025, which ended on December 31, 2025. That was up 37.3% from $19.3 million the previous year.
Is Fifth District Bancorp profitable?
Yes. Fifth District Bancorp reported net income of $4.1 million in fiscal 2025, a net profit margin of 15.4%; its operating margin was 15.8%.
What is Fifth District Bancorp's gross margin?
Fifth District Bancorp's gross margin was 65.2% in fiscal 2025: for every $100 of revenue, Fifth District Bancorp kept $65 after the direct cost of its products and services.
What are Fifth District Bancorp's earnings per share?
Fifth District Bancorp earned $0.80 per diluted share in fiscal 2025, compared with $-0.11 a year earlier.
When will Fifth District Bancorp report its next earnings?
Fifth District Bancorp is expected to report results for the quarter ending September 30, 2026 on November 9, 2026.
When does Fifth District Bancorp's fiscal year end?
Fifth District Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 24, 2026.