NCM · Banks - Regional

Fifth District Bancorp, Inc. (FDSB) Stock

$17.44 +1.04% NCM: FDSB Financial Services

Valuation

MetricValue
Price$17.44
Market Cap$91.31M
P/E Ratio56.55
P/B Ratio0.70
P/S Ratio3.89
EPS (TTM)$0.80
52-Week High$18.69
52-Week Low$13.00
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE1.27%
ROA0.31%
ROCE1.44%
Gross Margin15.38%
Operating Margin15.38%
Net Margin6.97%
Debt/Equity0.00
Current Ratio0.02

Annual Financials (USD)

Metric2022202320242025
Revenue$15.0M$17.0M$19.0M$26.0M
Operating Profit$4.0M$1.0M$-1.0M$4.0M
Net Profit$3.0M$1.0M$-1.0M$4.0M
EPS$0.52$0.14$-0.21$0.80
Op Margin23.6%5.4%-7.5%15.8%

Balance Sheet (USD)

Metric2022202320242025
Total Assets$473.0M$481.0M$527.0M$534.0M
Total Liabilities$397.0M$403.0M$402.0M$405.0M
Cash$20.0M$19.0M$38.0M$5.0M
Borrowings$0$4.0M$0$0

Latest News

Here's Why We Think Fifth District Bancorp (NASDAQ:FDSB) Might Deserve Your Attention Today Simply Wall St. · May 15, 2026

Cash Flow (USD)

Metric2022202320242025
Operating Cash Flow$4.0M$1.0M$-1.0M$1.0M
Investing Cash Flow$-27.0M$-9.0M$-28.0M$-5.0M
Financing Cash Flow$18.0M$1.0M$2.0M$-2.0M
Net Cash Flow$-4.0M$-1.0M$19.0M$-4.0M
Free Cash Flow$3.0M$-1.0M$-2.0M$1.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-1.44
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y36.61%
Return 3Y—
Return 5Y—

Ownership

Insiders Held8.48%
Institutions Held33.46%
Institutions Float Held36.56%
Institutional HolderSharesReport Date
Alliancebernstein L.P.312,1232026-03-31
Vanguard Capital Management LLC233,2482026-03-31
Mangrove Partners IM, LLC141,7662026-03-31
Raymond James Financial, Inc.132,2162026-03-31
Stilwell Value LLC80,0002026-03-31

About Fifth District Bancorp, Inc.

Fifth District Bancorp, Inc. is led by CEO Amie L. Lyons, employs 67 people, headquartered in US, publicly traded since 2024.

Fifth District Bancorp, Inc. (FDSB) stock trades at $17.44 with a market capitalization of $91.31M. The stock is valued at a price-to-earnings (P/E) ratio of 56.55, price-to-book of 0.70, price-to-sales of 3.89. Over the past 52 weeks the stock has ranged between $13.00 and $18.69, and currently trades 6.7% below its 52-week high.

On profitability, Fifth District Bancorp, Inc. generates a return on equity (ROE) of 1.27%, return on capital employed of 1.44%, an operating margin of 15.38%, a net profit margin of 6.97%.

Fifth District Bancorp, Inc. by the numbers, 2022–2025

Between 2022 and 2025 Fifth District Bancorp, Inc. reported revenue of $15.0M rising to $26.0M, a change of +73.3% across 4 years. Compounded, revenue has grown —% a year over five years, 20.1% over three, 36.8% over the last twelve months. Net profit rose to $4.0M.

Operating margin went from 23.6% in 2022 to 15.8% in 2025, a fall of 7.8 percentage points. The most recent net margin is 6.97%. On a trailing twelve-month basis to Jun '26, revenue is $24.0M and net profit $1.0M.

Borrowings stand at $0, cash from operations was $1.0M in the latest year, positive in 3 of the last 4.

Return on equity has averaged 1.9% over five years, and was 3.1% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Fifth District Bancorp, Inc. (FDSB) — frequently asked questions

What is Fifth District Bancorp, Inc. (FDSB) stock price today?

Fifth District Bancorp, Inc. (FDSB) is currently trading at $17.44, up 1.04% today.

What is FDSB P/E ratio?

Fifth District Bancorp, Inc.'s P/E ratio is 56.55. This is above the typical market average of roughly 18-22x. A high P/E often reflects higher expected earnings growth, a temporary dip in earnings, or both.

What is FDSB return on equity (ROE)?

Fifth District Bancorp, Inc.'s return on equity (ROE) is 1.27%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Fifth District Bancorp, Inc.'s market cap?

Fifth District Bancorp, Inc. has a market capitalization of $91.31M.

Does FDSB pay a dividend?

Fifth District Bancorp, Inc. is not currently showing a dividend yield in our data, which means no recent cash dividend was recorded for it.

How much debt does FDSB carry?

Fifth District Bancorp, Inc. has a debt-to-equity ratio of 0.00. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FDSB's profit margin?

Fifth District Bancorp, Inc. reports a net profit margin of 6.97% — the share of revenue left after every cost, including tax and interest.

What sector is FDSB in?

Fifth District Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FDSB listed on?

Fifth District Bancorp, Inc. trades on NCM under the ticker FDSB.

What is FDSB's 52-week range?

Over the last year Fifth District Bancorp, Inc. has traded between $13.00 and $18.69.

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Screens FDSB currently matches

On the figures above, Fifth District Bancorp, Inc. passes the filters for 3 of our ready-made screens, among them Debt Free Stocks Under $100, Micro Cap Stocks, Debt Free Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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