Fifth District Bancorp, Inc. (FDSB) Key Metrics
FDSB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $88.4M
- Enterprise value
- $69.2M
- P/E (TTM)
- 49.6
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 6.3
- Price / book
- 0.7
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 0.24
FDSB key metrics, 2022–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFDSB valuation Price multiples at each fiscal year-end price.
FDSB returns How much profit the business earns on the capital it uses.
FDSB per-share figures Results divided by the shares outstanding at year-end.
FDSB financial health Debt, liquidity and how easily interest is covered.
FDSB efficiency & capital use Working capital cycle and where the cash goes.
FDSB valuation history
FDSB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FDSB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FDSB cash returned to shareholders
FDSB price vs earnings per share
FDSB key metrics
2022–2025| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Valuation | ||||
| Market capitalization | $77.2M | $64.7M | — | — |
| Enterprise value | $72.2M | $26.8M | — | — |
| P/E ratio | 18.9 | — | — | — |
| Price / sales | 2.9 | 3.4 | — | — |
| Price / book | 0.6 | 0.5 | — | — |
| Price / free cash flow | 81.9 | — | — | — |
| Price / operating cash flow | 58.2 | — | — | — |
| EV / sales | 2.7 | 1.4 | — | — |
| EV / EBITDA | 14.9 | — | — | — |
| EV / free cash flow | 76.6 | — | — | — |
| Earnings yield | 5.3% | −1.7% | — | — |
| Free cash flow yield | 1.2% | −2.4% | — | — |
| Shareholder yield (dividends + buybacks) | 3.8% | — | — | — |
| Share price at fiscal year-end | $15.00 | $12.62 | — | — |
| Per share | ||||
| Revenue per share | $5.15 | $3.76 | $3.13 | $2.76 |
| Earnings per share | $0.79 | −$0.21 | $0.14 | $0.52 |
| Operating cash flow per share | $0.26 | −$0.21 | $0.14 | $0.71 |
| Free cash flow per share | $0.18 | −$0.31 | −$0.20 | $0.52 |
| Cash per share | $0.97 | $7.40 | $15.69 | $17.44 |
| Book value per share | $25.22 | $24.54 | $13.99 | $13.68 |
| Tangible book value per share | $25.22 | $24.54 | $13.99 | $13.68 |
| Capex per share | $0.07 | $0.10 | $0.34 | $0.19 |
| Debt per share | — | — | $0.72 | — |
| Shares outstanding | 5.1M | 5.1M | 5.6M | 5.6M |
| Change in shares outstanding | +0.4% | −7.8% | 0.0% | — |
| Returns & profitability | ||||
| Return on equity (ROE) | 3.2% | −1.1% | 1.0% | 3.8% |
| Return on invested capital (ROIC) | 3.8% | −2.8% | — | — |
| Return on assets (ROA) | 0.8% | −0.2% | 0.2% | 0.6% |
| Return on tangible assets | 0.8% | −0.2% | 0.2% | 0.6% |
| Free cash flow margin | 3.6% | −8.1% | −6.4% | 18.9% |
| Income quality (OCF / net income) | 0.32 | — | 1.00 | 1.36 |
| Financial health | ||||
| Total debt | — | — | $4.0M | — |
| Cash & short-term investments | $5.0M | $37.9M | $87.2M | $97.0M |
| Net debt | −$5.0M | −$37.9M | −$83.2M | −$97.0M |
| Debt / equity | — | — | 0.05 | — |
| Debt / assets | — | — | 0.01 | — |
| Net debt / EBITDA | −1.03 | — | −55.69 | −23.34 |
| Current ratio | 0.02 | 0.10 | 0.23 | 0.25 |
| Quick ratio | 0.02 | 0.10 | 0.22 | 0.25 |
| Interest coverage | 0.5 | -0.2 | 0.1 | 2.2 |
| Working capital | −$386.2M | −$351.6M | −$305.0M | −$290.2M |
| Invested capital | $124.8M | $87.9M | −$5.4M | −$20.9M |
| Tangible asset value | $129.8M | $125.8M | $77.8M | $76.1M |
| Net current asset value | −$397.6M | −$361.6M | −$314.0M | −$298.6M |
| Graham number | $21.23 | — | $6.72 | $12.69 |
| Graham net-net per share | −$77.38 | −$70.66 | −$56.41 | −$53.79 |
| Capital allocation | ||||
| Share buybacks (net) | $2.9M | — | — | — |
| Dividends + buybacks / free cash flow | 312.5% | — | — | — |
| Capex / revenue | 1.4% | 2.6% | 11.0% | 7.0% |
| Capex / operating cash flow | 29.0% | — | 239.7% | 26.9% |
| Capex / depreciation | 0.57 | 0.73 | 3.48 | 2.00 |
| Stock-based compensation / revenue | 1.3% | 1.3% | 0.0% | — |
| SG&A / revenue | 31.1% | 38.0% | 39.0% | 43.7% |
| Efficiency | ||||
| Days sales outstanding | 27.3 | 35.2 | 37.0 | 42.1 |
| Days of inventory on hand | — | — | 106.2 | — |
| Receivables turnover | 13.36 | 10.36 | 9.86 | 8.68 |
| Inventory turnover | — | — | 3.44 | — |
| Asset turnover | 0.05 | 0.04 | 0.04 | 0.03 |
| Average receivables | $2.0M | $1.9M | $1.8M | $1.8M |
| Average inventory | — | — | $1.8M | — |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from FDSB's annual financial statements (latest annual report filed March 24, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FDSB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Fifth District Bancorp traded at 18.9 times earnings. Based on the latest twelve months, the trailing P/E is 49.6. Fifth District Bancorp earned a return on equity of 3.2% and a return on invested capital of 3.8% in fiscal 2025. It returned $2.9 million to shareholders: $0 in dividends and $2.9 million in share buybacks, 313% of free cash flow.
See the FDSB income statement, the FDSB chart for price history, or the FDSB stock overview for the latest quote and news.
FDSB key metrics FAQ
What is Fifth District Bancorp's P/E ratio?
Fifth District Bancorp's trailing P/E ratio is 49.6 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 18.9.
What is Fifth District Bancorp's EV/EBITDA?
Fifth District Bancorp's enterprise value was 14.9 times EBITDA at the end of fiscal 2025 (enterprise value $72.2 million, EBITDA $4.9 million).
What is Fifth District Bancorp's return on equity?
Fifth District Bancorp's return on equity (ROE) was 3.2% in fiscal 2025: net income of $4.1 million on average shareholders' equity of $127.8 million.
What is Fifth District Bancorp's ROIC?
Fifth District Bancorp's return on invested capital was 3.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
Does Fifth District Bancorp buy back its shares?
Yes. Fifth District Bancorp spent $2.9 million on net share repurchases in fiscal 2025 Shares outstanding changed +0.4% over the year, to 5.1M..
What is Fifth District Bancorp's free cash flow yield?
Fifth District Bancorp generated $0.9 million of free cash flow in fiscal 2025, a free cash flow yield of 1.2% on its market value at year-end ($77.2 million).
What is Fifth District Bancorp's current ratio?
Fifth District Bancorp's current ratio was 0.02 at the end of fiscal 2025: current assets were 0.02 times current liabilities.