Symbols / FDSB Stock $15.16 -0.36% Fifth District Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
FDSB (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Ms. Amie L. Lyons
Exch · Country NCM · United States
Market Cap 80.16M
Enterprise Value 46.38M
Income 4.09M
Sales 16.41M
FCF (ttm) —
Book/sh 24.26
Cash/sh 6.39
Employees 66
Insider 10d —
IPO Aug 01, 2024
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 18.94
Forward P/E —
PEG —
P/S 4.88
P/B 0.62
P/C —
EV/EBITDA —
EV/Sales 2.83
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.80
EPS next Y —
EPS Growth 246.70%
Revenue Growth 11.90%
EPS Gr Q/Q 240.30%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 0.77%
ROE 3.20%
ROIC —
Gross Margin 0.00%
Oper. Margin 24.19%
Profit Margin 24.91%
Shs Outstand 5.29M
Shs Float 4.89M
Insider Own 7.46%
Instit Own 31.83%
Short Float 0.17%
Short Ratio 1.39
Short Interest 8.01K
52W High 15.64
vs 52W High -3.08%
52W Low 11.70
vs 52W Low 29.53%
Beta —
Impl. Vol. —
Rel Volume 2.99
Avg Volume 6.78K
Volume 20.27K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $15.21
Price $15.15
Change -0.36%
About

Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, share loans; and purchases consumer and commercial business loans. In addition, the company offers electronic banking services, such as mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. Fifth District Bancorp, Inc. was founded in 1926 and is based in New Orleans, Louisiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$15.16
Latest analyst target
3. DCF / Fair value
$12.00
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$15.16
Low
—
High
—
Mean
—
News
RSS: Latest FDSB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-09 GERVAIS DODIE F Officer — 31,133 $0.00 $0
2026-02-09 BURNS MELISSA C Chief Financial Officer — 31,133 $0.00 $0
2026-02-09 LYONS AMIE L Chief Executive Officer — 31,133 $0.00 $0
2026-02-09 SMITH SHANE MICHAEL Officer — 11,118 $0.00 $0
2026-02-09 SMITH SHANE MICHAEL Officer — 11,118 $0.00 $0
2025-09-18 SINS LINDA A Director — 150 $13.95 $2,092
2025-09-16 RITTINER CHRIS M Director — 11,118 $0.00 $0
2025-09-16 NOLAN DAVID CHARLES Chairman of the Board — 11,118 $0.00 $0
2025-09-16 LAMBERT NOLAN P Director — 11,118 $0.00 $0
2025-09-16 ABRY HERMAN GREG Director — 11,118 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
17.28
+71.63%
10.07
-8.66%
11.02
-19.75%
13.73
Operating Revenue
17.28
+71.63%
10.07
-8.66%
11.02
-19.75%
13.73
Selling General And Administration
8.23
+12.36%
7.32
+7.90%
6.79
+1.05%
6.72
Selling And Marketing Expense
0.10
-19.85%
0.13
-49.22%
0.26
-14.49%
0.30
General And Administrative Expense
8.12
+12.95%
7.19
+10.16%
6.53
+1.78%
6.41
Salaries And Wages
7.91
+13.18%
6.99
+10.47%
6.32
+0.42%
6.30
Reconciled Depreciation
0.67
-3.31%
0.69
+26.64%
0.55
+2.83%
0.53
Total Unusual Items
0.01
-90.07%
0.14
0.00
—
Total Unusual Items Excluding Goodwill
0.01
-90.07%
0.14
0.00
—
Special Income Charges
—
0.14
0.00
—
Other Special Charges
—
-0.14
—
—
Net Income
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Pretax Income
4.18
+391.43%
-1.44
-251.80%
0.95
-73.88%
3.62
Net Interest Income
12.85
+27.76%
10.06
+0.07%
10.05
-21.39%
12.78
Interest Expense
9.21
-0.12%
9.22
+44.87%
6.37
+293.66%
1.62
Interest Income
22.06
+14.43%
19.28
+17.44%
16.41
+13.99%
14.40
Gain On Sale Of Security
0.00
+100.00%
-1.14
0.00
—
Tax Provision
0.10
+127.09%
-0.36
-340.27%
0.15
-79.09%
0.71
Tax Rate For Calcs
0.00
-90.76%
0.00
+58.60%
0.00
-20.30%
0.00
Tax Effect Of Unusual Items
0.00
-99.08%
0.04
0.00
0.00
Net Income Including Noncontrolling Interests
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Net Income From Continuing Operation Net Minority Interest
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Net Income From Continuing And Discontinued Operation
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Net Income Continuous Operations
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Normalized Income
4.07
+444.15%
-1.18
-248.54%
0.80
-72.61%
2.91
Net Income Common Stockholders
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Diluted EPS
—
-0.21
-246.49%
0.14
-72.61%
0.52
Basic EPS
—
-0.21
-246.49%
0.14
-72.61%
0.52
Basic Average Shares
—
5.13
-7.71%
5.56
+0.00%
5.56
Diluted Average Shares
—
5.13
-7.71%
5.56
+0.00%
5.56
Diluted NI Availto Com Stockholders
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Insurance And Claims
0.21
+4.88%
0.20
+0.49%
0.20
+75.08%
0.12
Occupancy And Equipment
2.03
+11.54%
1.82
+9.57%
1.66
+7.84%
1.54
Other Non Interest Expense
2.16
-29.58%
3.07
+85.12%
1.66
+8.36%
1.53
Professional Expense And Contract Services Expense
0.66
+32.93%
0.50
+69.39%
0.29
-9.40%
0.32
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
534.39
+1.34%
527.31
+9.67%
480.80
+1.56%
473.43
Cash And Cash Equivalents
33.85
-10.72%
37.92
+96.39%
19.31
-4.82%
20.28
Cash Financial
4.99
-14.65%
5.85
+27.53%
4.59
-5.18%
4.84
Other Short Term Investments
99.08
+6.55%
92.99
+36.94%
67.90
-11.46%
76.69
Receivables
2.00
+1.63%
1.97
+11.95%
1.76
-0.68%
1.77
Accounts Receivable
1.59
-1.91%
1.62
+1.89%
1.59
+0.00%
1.59
Other Receivables
0.41
+18.10%
0.35
+107.14%
0.17
-6.67%
0.18
Net PPE
11.64
-2.41%
11.92
-4.42%
12.47
+12.23%
11.12
Gross PPE
21.97
+1.78%
21.59
-3.68%
22.41
+9.30%
20.51
Accumulated Depreciation
-10.34
-6.94%
-9.67
+2.75%
-9.94
-5.83%
-9.39
Land And Improvements
2.60
+0.00%
2.60
-11.76%
2.95
+0.00%
2.95
Buildings And Improvements
13.82
+1.86%
13.57
-4.25%
14.17
+10.61%
12.81
Machinery Furniture Equipment
5.55
+2.42%
5.42
+2.34%
5.29
+11.55%
4.74
Investments And Advances
99.08
+6.55%
92.99
+36.94%
67.90
-11.46%
76.69
Total Liabilities Net Minority Interest
404.64
+0.77%
401.53
-0.36%
403.00
+1.42%
397.36
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
4.00
0.00
Current Debt
—
0.00
-100.00%
4.00
0.00
Other Current Borrowings
—
0.00
-100.00%
4.00
0.00
Stockholders Equity
129.76
+3.17%
125.78
+61.67%
77.80
+2.27%
76.07
Common Stock Equity
129.76
+3.17%
125.78
+61.67%
77.80
+2.27%
76.07
Capital Stock
0.05
-3.57%
0.06
0.00
—
Common Stock
0.05
-3.57%
0.06
—
—
Preferred Stock
0.00
0.00
0.00
—
Share Issued
5.35
-3.79%
5.56
+0.00%
5.56
+0.00%
5.56
Ordinary Shares Number
5.35
-3.79%
5.56
+0.00%
5.56
+0.00%
5.56
Additional Paid In Capital
51.20
-3.70%
53.16
0.00
—
Retained Earnings
86.94
+3.88%
83.69
-1.27%
84.77
+0.95%
83.97
Gains Losses Not Affecting Retained Earnings
-4.43
+35.93%
-6.91
+0.89%
-6.97
+11.79%
-7.90
Other Equity Adjustments
-4.43
+35.93%
-6.91
+0.89%
-6.97
+11.79%
-7.90
Total Equity Gross Minority Interest
129.76
+3.17%
125.78
+61.67%
77.80
+2.27%
76.07
Invested Capital
—
—
81.80
—
Total Debt
—
0.00
-100.00%
4.00
0.00
Net Tangible Assets
129.76
+3.17%
125.78
+61.67%
77.80
+2.27%
76.07
Tangible Book Value
129.76
+3.17%
125.78
+61.67%
77.80
+2.27%
76.07
Available For Sale Securities
—
92.99
+36.96%
67.89
—
Cash Cash Equivalents And Federal Funds Sold
34.79
-10.40%
38.83
+92.33%
20.19
-4.43%
21.12
Other Equity Interest
-4.00
+5.23%
-4.23
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1.33
+225.81%
-1.05
-232.41%
0.80
-79.95%
3.97
Cash Flow From Continuing Operating Activities
1.33
+225.81%
-1.05
-232.41%
0.80
-79.95%
3.97
Net Income From Continuing Operations
4.09
+479.22%
-1.08
-235.26%
0.80
-72.61%
2.91
Depreciation Amortization Depletion
0.67
-3.31%
0.69
+26.64%
0.55
+2.83%
0.53
Depreciation
0.67
-3.31%
0.69
+26.64%
0.55
+2.83%
0.53
Depreciation And Amortization
0.67
-3.31%
0.69
+26.64%
0.55
+2.83%
0.53
Other Non Cash Items
-3.79
-972.80%
-0.35
-13.14%
-0.31
-6.68%
-0.29
Stock Based Compensation
0.35
+44.31%
0.25
0.00
—
Deferred Tax
0.07
+116.25%
-0.40
-396.30%
0.14
+181.66%
0.05
Deferred Income Tax
0.07
+116.25%
-0.40
-396.30%
0.14
+181.66%
0.05
Operating Gains Losses
-0.03
-102.57%
0.97
+4334.78%
-0.02
-411.11%
-0.00
Gain Loss On Investment Securities
0.00
-100.00%
1.14
0.00
—
Change In Working Capital
-0.12
+24.39%
-0.16
+50.75%
-0.33
-216.98%
0.28
Change In Receivables
-0.03
+84.76%
-0.21
-1850.00%
0.01
+106.89%
-0.17
Changes In Account Receivables
-0.03
+84.76%
-0.21
-1850.00%
0.01
+106.89%
-0.17
Change In Other Current Assets
0.05
+148.42%
-0.10
+87.23%
-0.74
-779.26%
0.11
Change In Other Current Liabilities
-0.14
-197.87%
0.14
-64.66%
0.40
+14.26%
0.35
Investing Cash Flow
-5.03
+81.70%
-27.48
-313.98%
-6.64
+74.33%
-25.86
Cash Flow From Continuing Investing Activities
-5.03
+81.70%
-27.48
-313.98%
-6.64
+74.33%
-25.86
Net PPE Purchase And Sale
-0.38
-38300.00%
-0.00
+99.95%
-1.91
-78.67%
-1.07
Purchase Of PPE
-0.38
+24.71%
-0.51
+73.27%
-1.91
-78.67%
-1.07
Sale Of PPE
0.00
-100.00%
0.51
0.00
—
Capital Expenditure
-0.38
+24.71%
-0.51
+73.27%
-1.91
-78.67%
-1.07
Net Investment Purchase And Sale
-2.43
+90.78%
-26.30
-371.01%
9.70
+77019.92%
0.01
Purchase Of Investment
-18.30
+66.32%
-54.35
-5335.00%
-1.00
+93.57%
-15.56
Sale Of Investment
15.88
-43.40%
28.05
+162.06%
10.70
-31.25%
15.57
Net Other Investing Changes
6.91
—
-0.02
—
Financing Cash Flow
-0.36
-100.76%
47.15
+821.94%
5.11
-72.13%
18.35
Cash Flow From Continuing Financing Activities
-0.36
-100.76%
47.15
+821.94%
5.11
-72.13%
18.35
Net Issuance Payments Of Debt
0.00
+100.00%
-4.00
-200.00%
4.00
0.00
Issuance Of Debt
—
—
4.00
0.00
Repayment Of Debt
0.00
+100.00%
-4.00
—
—
Long Term Debt Issuance
—
—
4.00
0.00
Long Term Debt Payments
0.00
+100.00%
-4.00
—
—
Net Long Term Debt Issuance
0.00
+100.00%
-4.00
-200.00%
4.00
0.00
Net Common Stock Issuance
-2.94
-106.04%
48.75
0.00
—
Common Stock Payments
-2.94
—
—
—
Repurchase Of Capital Stock
-2.94
—
—
—
Net Other Financing Charges
0.90
-3.23%
0.93
+1618.52%
0.05
+106.07%
-0.89
Changes In Cash
-4.06
-121.84%
18.61
+2652.81%
-0.73
+79.39%
-3.54
Beginning Cash Position
37.92
+96.39%
19.31
-3.64%
20.04
-15.01%
23.57
End Cash Position
33.85
-10.72%
37.92
+96.39%
19.31
-3.64%
20.04
Free Cash Flow
0.94
+160.23%
-1.56
-40.65%
-1.11
-138.31%
2.90
Interest Paid Supplemental Data
9.28
+3.38%
8.97
+55.01%
5.79
+322.45%
1.37
Income Tax Paid Supplemental Data
—
0.00
-100.00%
0.12
-78.89%
0.59
Amortization Of Securities
0.13
-48.39%
0.25
-7.46%
0.27
-35.28%
0.41
Common Stock Issuance
—
48.75
0.00
—
Issuance Of Capital Stock
—
48.75
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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