FIFTH DISTRICT BANCORP INC (FDSB) Fundamental Analysis & Valuation

NASDAQ:FDSB • US3169261043

Current stock price

15.155 USD
+0.04 (+0.23%)
Last:

This FDSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FDSB Profitability Analysis

1.1 Basic Checks

  • In the past year FDSB was profitable.
  • In the past year FDSB had a positive cash flow from operations.
FDSB Yearly Net Income VS EBIT VS OCF VS FCFFDSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 0 1M -1M 2M 3M 4M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.76%, FDSB is doing worse than 68.09% of the companies in the same industry.
  • The Return On Equity of FDSB (3.15%) is worse than 87.77% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 3.15%
ROIC N/A
ROA(3y)0.24%
ROA(5y)N/A
ROE(3y)1.11%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FDSB Yearly ROA, ROE, ROICFDSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 0 1 2 3

1.3 Margins

  • FDSB has a Profit Margin (23.66%) which is comparable to the rest of the industry.
  • FDSB's Profit Margin has improved in the last couple of years.
  • FDSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.75%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FDSB Yearly Profit, Operating, Gross MarginsFDSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. FDSB Health Analysis

2.1 Basic Checks

  • FDSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FDSB has been reduced compared to 1 year ago.
  • There is no outstanding debt for FDSB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FDSB Yearly Shares OutstandingFDSB Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 1M 2M 3M 4M 5M
FDSB Yearly Total Debt VS Total AssetsFDSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • FDSB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.03%
FDSB Yearly LT Debt VS Equity VS FCFFDSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FDSB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 510.37% over the past year.
  • The Earnings Per Share has been growing by 15.10% on average over the past years. This is quite good.
  • FDSB shows a strong growth in Revenue. In the last year, the Revenue has grown by 71.91%.
  • The Revenue has been growing slightly by 7.95% on average over the past years.
EPS 1Y (TTM)510.37%
EPS 3Y15.1%
EPS 5YN/A
EPS Q2Q%269.93%
Revenue 1Y (TTM)71.91%
Revenue growth 3Y7.95%
Revenue growth 5YN/A
Sales Q2Q%17.76%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FDSB Yearly Revenue VS EstimatesFDSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 5M 10M 15M

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1

4. FDSB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.94 indicates a rather expensive valuation of FDSB.
  • Based on the Price/Earnings ratio, FDSB is valued more expensive than 84.04% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.51. FDSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.94
Fwd PE N/A
FDSB Price Earnings VS Forward Price EarningsFDSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 85.64% of the companies in the same industry are cheaper than FDSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 85.11
EV/EBITDA N/A
FDSB Per share dataFDSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FDSB Dividend Analysis

5.1 Amount

  • FDSB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FDSB Fundamentals: All Metrics, Ratios and Statistics

FIFTH DISTRICT BANCORP INC

NASDAQ:FDSB (5/1/2026, 8:25:52 PM)

15.155

+0.04 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength68.94
Industry Growth91.3
Earnings (Last)03-24
Earnings (Next)05-11
Inst Owners31.41%
Inst Owner Change0.23%
Ins Owners7.45%
Ins Owner Change40.17%
Market Cap80.17M
Revenue(TTM)17.28M
Net Income(TTM)4.09M
AnalystsN/A
Price TargetN/A
Short Float %0.16%
Short Ratio1.17
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.94
Fwd PE N/A
P/S 4.64
P/FCF 85.11
P/OCF 60.46
P/B 0.62
P/tB 0.62
EV/EBITDA N/A
EPS(TTM)0.8
EY5.28%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.18
FCFY1.18%
OCF(TTM)0.25
OCFY1.65%
SpS3.27
BVpS24.53
TBVpS24.53
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.0123 (38.65%)
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 3.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.66%
GM N/A
FCFM 5.45%
ROA(3y)0.24%
ROA(5y)N/A
ROE(3y)1.11%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.75%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 57.23%
Cap/Sales 2.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 23.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.03%
ROIC/WACCN/A
Cap/Depr(3y)159.61%
Cap/Depr(5y)N/A
Cap/Sales(3y)8.2%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)510.37%
EPS 3Y15.1%
EPS 5YN/A
EPS Q2Q%269.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)71.91%
Revenue growth 3Y7.95%
Revenue growth 5YN/A
Sales Q2Q%17.76%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y160.23%
FCF growth 3Y-31.28%
FCF growth 5YN/A
OCF growth 1Y225.81%
OCF growth 3Y-30.62%
OCF growth 5YN/A

FIFTH DISTRICT BANCORP INC / FDSB Fundamental Analysis FAQ

What is the fundamental rating for FDSB stock?

ChartMill assigns a fundamental rating of 2 / 10 to FDSB.


What is the valuation status of FIFTH DISTRICT BANCORP INC (FDSB) stock?

ChartMill assigns a valuation rating of 1 / 10 to FIFTH DISTRICT BANCORP INC (FDSB). This can be considered as Overvalued.


Can you provide the profitability details for FIFTH DISTRICT BANCORP INC?

FIFTH DISTRICT BANCORP INC (FDSB) has a profitability rating of 1 / 10.


What is the valuation of FIFTH DISTRICT BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIFTH DISTRICT BANCORP INC (FDSB) is 18.94 and the Price/Book (PB) ratio is 0.62.