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Fifth District Bancorp, Inc. (FDSB) stock

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 –

Fifth District Bancorp statistics

76 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings
–
Last ex-dividend date
No dividends
Fundamentals through
Sep 30, 2026
Share price as of
Nov 13, 2026

Valuation ratiosIndustry

Market Cap
$92.78M
$893.83M
Enterprise Value
$77.54M
$598.22M
PE Ratio
52.12
12.21
PS Ratio
6.04
3.66
PB Ratio
0.73
1.25
P/TBV Ratio
0.73
1.52
P/FCF Ratio
40.27
10.68
P/OCF Ratio
30.49
9.82

Enterprise valuationIndustry

EV / Sales
5.05
2.95
EV / FCF
33.65
8.49

Share statisticsIndustry

Shares Change (YoY)
-4.19%
0.33%
Shares Change (QoQ)
-0.22%
0.00%
Float
5M
17M
Shares Held by Insiders
6.04%
6.05%
Shares Held by Institutions
24.6%
61.3%

Short sellingIndustry

Short Interest
7,172
–
Short Interest Change
-9.15%
-4.13%
Short % of Float
0.15%
3.58%
Short % of Shares Outstanding
0.14%
3.18%
Days to Cover
3.26
4.85

Stock price statisticsIndustry

52-Week High
$18.69
–
52-Week Low
$13.00
–
20-Day Moving Average
$17.46
–
50-Day Moving Average
$17.68
–
200-Day Moving Average
$16.36
–
Average True Range (14)
$0.16
–
Price Change (1 Week)
0.17%
0.69%
Price Change (1 Month)
4.91%
3.79%
Price Change (3 Months)
-3.22%
-2.72%
Price Change (6 Months)
18.5%
12.2%
Price Change (YTD)
18.1%
19.9%
Price Change (1 Year)
34.2%
25.7%
Average Volume (10 Days)
3,888
–
Average Volume (20 Days)
3,015
–
Average Volume (90 Days)
5,905
–
Relative Volume
0.38
0.68
Relative Strength Index (14)
58.5
53.1
Volatility (1 Year)
12.9%
24.4%
Beta (5 Years)
0.26
0.63

MarginsIndustry

Pretax Margin
13.0%
37.0%
Profit Margin
10.6%
29.6%
FCF Margin
15.0%
33.9%

Returns on capitalIndustry

Return on Equity (ROE)
1.26%
10.7%
Return on Assets (ROA)
0.30%
1.16%

GrowthIndustry

Revenue Growth (YoY)
-8.14%
11.7%
Net Income Growth (YoY)
-55.9%
22.6%
EPS Growth (YoY)
-53.4%
21.6%
FCF Growth (YoY)
463.3%
27.2%

EfficiencyIndustry

Asset Turnover
0.03
0.04
Revenue Per Employee
$232.86K
$358.92K
Profits Per Employee
$24.76K
$110.51K
Employee Count
66
492
WACC
7.60%
8.13%

Income statement (TTM)Industry

Revenue
$15.37M
$183.72M
Pretax Income
$2.00M
$74.07M
Net Income
$1.63M
$57.59M
EPS (Diluted)
$0.34
$2.99

Balance sheetIndustry

Net Cash (Debt)
$15.24M
$165.09M
Net Cash Per Share
$2.91
$8.07
Equity (Book Value)
$127.37M
$570.13M
Book Value Per Share
$24.33
$28.12
Tangible Book Value
$127.37M
$478.27M

Cash flow (TTM)Industry

Operating Cash Flow
$3.04M
$66.48M
Capital Expenditures
-$739.00K
-$4.24M
Free Cash Flow
$2.30M
$59.01M
FCF Per Share
$0.44
$3.37

Dividends and yieldsIndustry

Earnings Yield
1.76%
8.29%
FCF Yield
2.48%
9.18%

Taxes and interestIndustry

Income Tax
$366.00K
$16.14M
Effective Tax Rate
18.3%
21.1%

Scores and fair valueIndustry

Graham Number
$13.64
$45.07
Graham Upside
-23.0%
18.8%
Altman Z-Score
0.39
0.22
Piotroski F-Score
5
6

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

PeriodFDSBS&P 500DifferenceFDSB per yearS&P 500 per year
1 month+3.5%-3.0%+6.5 pts
3 months-2.9%-2.8%−0.1 pts
Year to date+18.1%+11.5%+6.6 pts
1 year+33.6%+13.5%+20.1 pts

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

0M FDSB shares were sold short on Oct 30, 2026, down 9.1% from the previous report, or 0.15% of the shares available to trade. At recent volumes it would take 3.3 days to buy them back. Over the last 20 sessions, 30.4% of the volume reported to FINRA was short selling.

Settlement dateShares shortChangeAvg. daily volumeDays to cover
Oct 30, 20267,172-9.1%2,2033.3
Oct 15, 20267,894+7.4%7,6751.0
Sep 30, 20267,349+16.8%7,2231.0
Sep 15, 20266,291-24.9%4,2361.5
Aug 31, 20268,382-21.2%5,0731.6
Aug 14, 202610,638+17.1%6,5701.6
Jul 31, 20269,088-14.9%6,8841.3
Jul 15, 202610,682+47.0%5,5461.9
Jun 30, 20267,266-18.2%5,8241.3
Jun 15, 20268,881-37.8%26,0141.0
May 29, 202614,278+59.5%6,4262.2
May 15, 20268,950+16.9%6,8681.3

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

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