Logo image of FDSB

FIFTH DISTRICT BANCORP INC (FDSB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FDSB - US3169261043 - Common Stock

14.22 USD
+0.06 (+0.42%)
Last: 12/15/2025, 8:00:02 PM
Fundamental Rating

2

Taking everything into account, FDSB scores 2 out of 10 in our fundamental rating. FDSB was compared to 385 industry peers in the Banks industry. The financial health of FDSB is average, but there are quite some concerns on its profitability. FDSB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

In the past year FDSB was profitable.
FDSB had a positive operating cash flow in the past year.
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 0 1M -1M 2M 3M

1.2 Ratios

FDSB's Return On Assets of 0.69% is on the low side compared to the rest of the industry. FDSB is outperformed by 67.27% of its industry peers.
FDSB has a Return On Equity of 2.82%. This is amonst the worse of the industry: FDSB underperforms 85.71% of its industry peers.
Industry RankSector Rank
ROA 0.69%
ROE 2.82%
ROIC N/A
ROA(3y)0.19%
ROA(5y)N/A
ROE(3y)1.33%
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 0 1 2 3

1.3 Margins

FDSB has a Profit Margin of 22.15%. This is comparable to the rest of the industry: FDSB outperforms 41.04% of its industry peers.
The Operating Margin and Gross Margin are not available for FDSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
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 0 10 -10 20

More info and screens

4

2. Health

2.1 Basic Checks

FDSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
FDSB has about the same amout of shares outstanding than it did 1 year ago.
FDSB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FDSB Yearly Shares OutstandingFDSB Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 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 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
WACC18.01%
FDSB Yearly LT Debt VS Equity VS FCFFDSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

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

More info and screens

1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 1008.99% over the past year.
The Revenue has decreased by -6.96% in the past year.
EPS 1Y (TTM)1008.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%147.07%
Revenue 1Y (TTM)-6.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.97%

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 2M 4M 6M 8M 10M

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

FDSB is valuated rather expensively with a Price/Earnings ratio of 19.75.
Based on the Price/Earnings ratio, FDSB is valued more expensive than 80.52% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. FDSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.75
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

FDSB's Price/Free Cash Flow ratio is rather expensive when compared to the industry. FDSB is more expensive than 84.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 191.92
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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

FIFTH DISTRICT BANCORP INC

NASDAQ:FDSB (12/15/2025, 8:00:02 PM)

14.22

+0.06 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners33.14%
Inst Owner Change-0.28%
Ins Owners6.32%
Ins Owner Change46.1%
Market Cap78.49M
Revenue(TTM)16.73M
Net Income(TTM)3.71M
AnalystsN/A
Price TargetN/A
Short Float %0.11%
Short Ratio0.3
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 19.75
Fwd PE N/A
P/S 4.69
P/FCF 191.92
P/OCF 106.51
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)0.72
EY5.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY0.52%
OCF(TTM)0.13
OCFY0.94%
SpS3.03
BVpS23.79
TBVpS23.79
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.63
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 2.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.15%
GM N/A
FCFM 2.44%
ROA(3y)0.19%
ROA(5y)N/A
ROE(3y)1.33%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 48.52%
Cap/Sales 1.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 11.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.01%
ROIC/WACCN/A
Cap/Depr(3y)207.33%
Cap/Depr(5y)N/A
Cap/Sales(3y)10.05%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1008.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%147.07%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.97%
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 1Y-40.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-232.49%
OCF growth 3YN/A
OCF growth 5YN/A

FIFTH DISTRICT BANCORP INC / FDSB FAQ

What is the fundamental rating for FDSB stock?

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


Can you provide the valuation status for FIFTH DISTRICT BANCORP INC?

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


How profitable is FIFTH DISTRICT BANCORP INC (FDSB) stock?

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


What are the PE and PB ratios of FIFTH DISTRICT BANCORP INC (FDSB) stock?

The Price/Earnings (PE) ratio for FIFTH DISTRICT BANCORP INC (FDSB) is 19.75 and the Price/Book (PB) ratio is 0.6.