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FIFTH DISTRICT BANCORP INC (FDSB) Stock Fundamental Analysis

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

13.23 USD
+0.11 (+0.84%)
Last: 11/21/2025, 8:27:11 PM
Fundamental Rating

1

Taking everything into account, FDSB scores 1 out of 10 in our fundamental rating. FDSB was compared to 387 industry peers in the Banks industry. FDSB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FDSB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FDSB had positive earnings in the past year.
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 0 1M -1M 2M 3M

1.2 Ratios

The Return On Assets of FDSB (0.48%) is worse than 79.18% of its industry peers.
With a Return On Equity value of 1.97%, FDSB is not doing good in the industry: 88.17% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.48%
ROE 1.97%
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

With a Profit Margin value of 15.81%, FDSB is not doing good in the industry: 75.58% of the companies in the same industry are doing better.
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) 15.81%
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

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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.
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 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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC18.55%
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

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0

3. Growth

3.1 Past

The earnings per share for FDSB have decreased strongly by -235.22% in the last year.
Looking at the last year, FDSB shows a decrease in Revenue. The Revenue has decreased by -8.66% in the last year.
EPS 1Y (TTM)-235.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%394.39%
Revenue 1Y (TTM)-8.66%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%156.81%

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

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0

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 25.94, the valuation of FDSB can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FDSB indicates a rather expensive valuation: FDSB more expensive than 83.80% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. FDSB is around the same levels.
Industry RankSector Rank
PE 25.94
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

81.23% of the companies in the same industry are cheaper than FDSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 68.57
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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0

5. Dividend

5.1 Amount

No dividends for FDSB!.
Industry RankSector Rank
Dividend Yield N/A

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FIFTH DISTRICT BANCORP INC

NASDAQ:FDSB (11/21/2025, 8:27:11 PM)

13.23

+0.11 (+0.84%)

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 Cap73.03M
Revenue(TTM)16.29M
Net Income(TTM)2.58M
AnalystsN/A
Price TargetN/A
Short Float %0.15%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 25.94
Fwd PE N/A
P/S 4.48
P/FCF 68.57
P/OCF 53.94
P/B 0.56
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)0.51
EY3.85%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.19
FCFY1.46%
OCF(TTM)0.25
OCFY1.85%
SpS2.95
BVpS23.71
TBVpS23.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.5
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 1.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.81%
GM N/A
FCFM 6.54%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 42.63%
Cap/Sales 1.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 41.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.55%
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)-235.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%394.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.66%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%156.81%
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 1 / 10 to FDSB.


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

ChartMill assigns a valuation rating of 0 / 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 25.94 and the Price/Book (PB) ratio is 0.56.