FIFTH DISTRICT BANCORP INC (FDSB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FDSB • US3169261043

15.12 USD
-0.06 (-0.4%)
Last: Feb 6, 2026, 08:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FDSB. FDSB was compared to 383 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 is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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 has a worse Return On Assets (0.69%) than 67.89% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.82%, FDSB is doing worse than 85.38% of the companies in the same industry.
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 (22.15%) which is comparable to the rest of the industry.
  • 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) 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • FDSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FDSB has about the same amount of shares outstanding.
  • 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

  • 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
WACC17.49%
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

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

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

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 21.00, FDSB is valued on the expensive side.
  • FDSB's Price/Earnings ratio is rather expensive when compared to the industry. FDSB is more expensive than 82.25% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FDSB to the average of the S&P500 Index (27.92), we can say FDSB is valued slightly cheaper.
Industry RankSector Rank
PE 21
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

  • 83.03% of the companies in the same industry are cheaper than FDSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 204.06
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

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

FIFTH DISTRICT BANCORP INC

NASDAQ:FDSB (2/6/2026, 8:00:02 PM)

15.12

-0.06 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)03-23
Inst Owners33.37%
Inst Owner Change-1.57%
Ins Owners5.45%
Ins Owner Change46.1%
Market Cap83.46M
Revenue(TTM)16.73M
Net Income(TTM)3.71M
AnalystsN/A
Price TargetN/A
Short Float %0.1%
Short Ratio0.24
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 21
Fwd PE N/A
P/S 4.99
P/FCF 204.06
P/OCF 113.25
P/B 0.64
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)0.72
EY4.76%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY0.49%
OCF(TTM)0.13
OCFY0.88%
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
WACC17.49%
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.


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.


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

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


Can you provide the financial health for FDSB stock?

The financial health rating of FIFTH DISTRICT BANCORP INC (FDSB) is 4 / 10.