Fifth District Bancorp, Inc. (FDSB) stock analysis

FDSBNasdaqSavings Institution, Federally CharteredFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 2/3034% above fair value

$17.72+0.17 (+0.97%)

Close on Nov 13, 2026Market cap $92.78MP/E 52.1Yield –

StockData Score

Prices as of Nov 13, 2026How the score works

Weak2 of 30 checks passed

Fifth District Bancorp passes 2 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation: 1/6
Growth: 0/6
Past performance: 0/6
Financial health: 1/6
Dividend: 0/6

What stands out

Well capitalized
Equity is 23.7% of total assets; 8% or more is a comfortable cushion.
P/B below the industry
Fifth District Bancorp's price-to-book of 0.73 is below the Savings Institutions median of 1.04.

What to watch

Margin of safety under 20%
The price is 33.5% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $17.72 is above our fair value estimate of $13.27.
P/E above the industry
Fifth District Bancorp's P/E of 52.1 is above the Savings Institutions median of 13.6.
P/S above the industry
Fifth District Bancorp's price-to-sales of 6.04 is above the Savings Institutions median of 3.72.

Valuation1/6

P/E against its history
Not enough price and earnings history to compare.
P/E above the industry
Fifth District Bancorp's P/E of 52.1 is above the Savings Institutions median of 13.6.
P/S above the industry
Fifth District Bancorp's price-to-sales of 6.04 is above the Savings Institutions median of 3.72.
P/B below the industry
Fifth District Bancorp's price-to-book of 0.73 is below the Savings Institutions median of 1.04.
Trading above fair value
The share price of $17.72 is above our fair value estimate of $13.27.
Margin of safety under 20%
The price is 33.5% above fair value, so there is no margin of safety.

Growth0/6

Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -8.1% over the last twelve months; the Savings Institutions median is 8.4%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.

Past performance0/6

Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was 0.3%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Fifth District Bancorp's return on equity of 1.3% is below the Savings Institutions median of 5.9%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
Fifth District Bancorp's net margin of 10.6% is below the Savings Institutions median of 21.8%.

Financial health1/6

Well capitalized
Equity is 23.7% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Thin loan-loss reserve
The allowance for credit losses is 0.4% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 86.9% of revenue; under 60% is efficient for a bank.
Deposits growing
Needs deposits a year ago.
Borrowings
Needs debt and equity figures.

Dividend0/6

No dividend
Fifth District Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$13.27

The share price is 34% above this estimate.

20%+ below

Near fair value

20%+ above

$17.72Price$13.27Fair value

Method	Multiple used	Own 5Y median	Industry median	Value per share	Weight
P/E	13.6×	–	13.6×	$4.62	50%
P/B	0.9×	0.6×	1.0×	$21.92	50%
Fair value				$13.27	100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

P/E at month end
Savings Institutions median 13.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day: $76.68K
Value traded per 1% price move: $45.99K

Downside

Low risk

Typical loss in a bad month: 7.4%
Volatility (annualized): 13%
Sharpe ratio, 1 year: 2.30
Beta to the S&P 500 (5Y): 0.26

Typical bad-month loss, week by week

Margins

Share of revenue, fiscal years 2022 to 2025

Net margin

675.7%

Per year	1 year	3 years	5 years	10 years	Five-year pace
Revenue	-2.3%	–	–	–

Returns and balance sheet

4 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2022	FY2022	FY2025
Return on equity	–	–	3.2%
Return on assets	–	–	0.8%
Capex to revenue	–	–	63.5%
Diluted shares	–	–	5M

DuPont analysis

Return on equity split into margin, efficiency and leverage

Net margin675.7%

Asset turnover0.00×

Equity multiplier4.15×

Return on equity, FY20253.2%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	675.7%	0.00×	4.15×	3.2%
FY2024	-174.2%	0.00×	4.95×	-1.1%

Where these numbers come from

Parsed from the XBRL in Fifth District Bancorp's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing