FDSB Fifth District Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$17.40
· of 52w range
· above low
· to high
$13.0052w low
$18.6952w high
Market Cap (MRQ)
$91M
P/E
21.8
EPS
$0.80
Revenue
$605.0K
your badges
52W Range
$13–$19
Analyst Rating
·
Price Target
·
P/E
21.8
ROE
3.1%
Net Profit Margin
675.7%
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FDSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$17.40
Market Cap (MRQ)
$91M
P/E
21.8
EPS
$0.80
Revenue
$605.0K
ROE
3.1%
52W Range
$13–$19
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$605.0K2023-12-31 → 2025-12-31
EPS$0.802024-12-31 → 2025-12-31
Free Cash Flow$942.0K2024-12-31 → 2025-12-31
Net margin675.7%2024-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FDSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 21.8 | · | · | · | |
| P/S | 153.8 | · | · | · | |
| P/B (MRQ) | 0.7 | · | · | · | |
| Price / FCF (TTM) | 72.3 | · | · | · | |
| Price / Cash Flow (TTM) | 46.2 | · | · | · | |
| Price / Tangible Book | 0.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FDSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 691.7% | · | · | · | |
| Net Profit Margin | 675.7% | · | · | · | |
| ROA | 0.77% | · | · | · | |
| ROE | 3.1% | · | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FDSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -2.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FDSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | · | · | |
| Revenue / Employee | ≈$9.2K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Nov 09, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 10, 2026 | $0.08 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $605.0K | $619.0K | $614.0K | |
| Interest Income | $22M | $19M | $16M | |
| Pretax Income | $4M | $-1M | $946.0K | |
| Income Tax | $97.0K | $-358.0K | $149.0K | |
| Net Income | $4M | $-1M | $797.0K | |
| EPS (Basic) | $0.80 | $-0.21 | · | |
| EPS (Diluted) | $0.80 | $-0.21 | · | |
| Shares (Basic) | 5,122,000 | 5,131,000 | · | |
| Shares (Diluted) | 5,122,000 | 5,131,000 | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & Equivalents | $34M | $38M | $19M | |
| PP&E (Net) | $12M | $12M | $12M | |
| PP&E (Gross) | $22M | $22M | $22M | |
| Accum. Depreciation | $10M | $10M | $10M | |
| Total Assets | $534M | $527M | $481M | |
| Total Liabilities | $405M | $402M | $403M | |
| Common Stock | $54.0K | $56.0K | · | |
| Paid-in Capital | $51M | $53M | · | |
| Retained Earnings | $87M | $84M | $85M | |
| AOCI | $-4M | $-7M | $-7M | |
| Stockholders' Equity | $130M | $126M | $78M | |
| Liabilities + Equity | $534M | $527M | $481M | |
| Shares Outstanding | 5,349,039 | 5,559,473 | 0 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Stock-based Comp | $68.0K | · | · | |
| Deferred Tax | $65.0K | $-400.0K | $135.0K | |
| Operating Cash Flow | $1M | $-1M | $796.0K | |
| CapEx | $384.0K | $510.0K | $2M | |
| Investing Cash Flow | $-5M | $-27M | $-7M | |
| Financing Cash Flow | $-360.0K | $47M | $5M | |
| Taxes Paid | · | · | $125.0K | |
| Free Cash Flow | $942.0K | $-2M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Net Margin | 675.7% | -174.2% | · | |
| Pretax Margin | 691.7% | -232.0% | · | |
| ROA | 0.77% | -0.21% | · | |
| ROE | 3.1% | -0.85% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Book Value / Share | $24.26 | $22.62 | · | |
| Revenue / Share | $0.12 | $0.12 | · | |
| Cash Flow / Share | $0.26 | $-0.21 | · | |
| Cash / Share | $6.33 | $6.82 | · | |
| EPS (TTM) | $0.80 | $-0.21 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue YoY | -2.3% | 0.81% | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue TTM | $605.0K | $619.0K | · | |
| Net Income TTM | $4M | $-1M | · | |
| Market Cap | $80M | $70M | · | |
| P/E | 18.8 | -60.1 | · | |
| P/S | 132.6 | 113.3 | · | |
| P/B | 0.6 | 0.6 | · | |
| P / Tangible Book | 0.6 | 0.6 | · | |
| P / Cash Flow | 60.5 | -66.6 | · | |
| P / FCF | 85.2 | -44.9 | · | |
| Earnings Yield | 5.3% | -1.7% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M | |
| Pretax Income | $485.0K | $490.0K | $617.0K | $434.0K | $3M | $99.0K | $130.0K | $-998.0K | $865.0K | $-1M | $163.0K | $49.0K | $258.0K | $476.0K | |
| Income Tax | $101.0K | $103.0K | $76.0K | $91.0K | $-91.0K | $21.0K | $-29.0K | $-210.0K | $182.0K | $-301.0K | $-15.0K | $10.0K | $54.0K | $100.0K | |
| Net Income | $384.0K | $387.0K | $541.0K | $343.0K | $3M | $78.0K | $159.0K | $-788.0K | $683.0K | $-1M | $178.0K | $39.0K | $204.0K | $376.0K | |
| EPS (Basic) | $0.08 | $0.08 | $0.10 | $0.07 | $0.61 | $0.02 | $0.03 | $-0.15 | · | · | · | · | · | · | |
| EPS (Diluted) | $0.08 | $0.08 | $0.10 | $0.07 | $0.61 | $0.02 | $0.03 | $-0.15 | · | · | · | · | · | · | |
| Shares (Basic) | 4,870,000 | 4,914,000 | · | 5,143,000 | 5,145,000 | 5,139,000 | · | 5,125,000 | · | · | · | · | · | · | |
| Shares (Diluted) | 4,870,000 | 4,914,000 | · | 5,143,000 | 5,145,000 | 5,139,000 | · | 5,125,000 | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $19M | $23M | $34M | $34M | $28M | $30M | $38M | $34M | $46M | $37M | $19M | · | · | · | |
| PP&E (Net) | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $12M | $13M | $12M | · | · | · | |
| PP&E (Gross) | · | · | $22M | · | · | · | $22M | · | · | · | $22M | · | · | · | |
| Accum. Depreciation | · | · | $10M | · | · | · | $10M | · | · | · | $10M | · | · | · | |
| Total Assets | $532M | $536M | $534M | $540M | $540M | $531M | $527M | $524M | $516M | $486M | $481M | · | · | · | |
| Total Liabilities | $403M | $406M | $405M | $408M | $409M | $404M | $402M | $396M | $438M | $409M | $403M | · | · | · | |
| Common Stock | $53.0K | $53.0K | $54.0K | $55.0K | $56.0K | $56.0K | $56.0K | $56.0K | · | · | · | · | · | · | |
| Paid-in Capital | $50M | $51M | $51M | $53M | $53M | $53M | $53M | $53M | · | · | · | · | · | · | |
| Retained Earnings | $87M | $87M | $87M | $87M | $87M | $84M | $84M | $84M | $84M | $84M | $85M | · | · | · | |
| AOCI | $-5M | $-5M | $-4M | $-5M | $-5M | $-6M | $-7M | $-5M | $-6M | $-7M | $-7M | · | · | · | |
| Stockholders' Equity | $129M | $129M | $130M | $131M | $131M | $127M | $126M | $128M | $78M | $77M | $78M | · | · | · | |
| Liabilities + Equity | $532M | $536M | $534M | $540M | $540M | $531M | $527M | $524M | $516M | $486M | $481M | · | · | · | |
| Shares Outstanding | 5,235,658 | 5,289,348 | 5,349,039 | 5,522,750 | 5,559,473 | 5,559,473 | 5,559,473 | 5,559,473 | · | · | 0 | · | · | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $174.0K | $137.0K | · | · | · | · | · | · | · | · | · | · | · | · | |
| Deferred Tax | $2.0K | $-5.0K | $327.0K | $0 | $0 | $-262.0K | · | · | · | · | · | · | · | · | |
| Operating Cash Flow | $862.0K | $1M | $-44.0K | $117.0K | $430.0K | $823.0K | $-633.0K | $734.0K | $-385.0K | $-770.0K | $-537.0K | $386.0K | $280.0K | $667.0K | |
| CapEx | $266.0K | $301.0K | $82.0K | $63.0K | $181.0K | $58.0K | $26.0K | $24.0K | $116.0K | $344.0K | $700.0K | $278.0K | $246.0K | $684.0K | |
| Investing Cash Flow | $-854.0K | $-12M | $5M | $8M | $-7M | $-11M | $-2M | $-19M | $-19M | $13M | $-87.0K | $-134.0K | $-2M | $-4M | |
| Financing Cash Flow | $-4M | $647.0K | $-5M | $-1M | $4M | $2M | $6M | $6M | $29M | $5M | $4M | $2M | $-5M | $4M | |
| Taxes Paid | · | · | · | · | · | · | · | · | · | · | $0 | $0 | · | · | |
| Free Cash Flow | · | $736.0K | · | · | · | $765.0K | · | · | · | $-1M | · | · | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.7% | 10.2% | · | 9.6% | 45.5% | 2.4% | · | -25.1% | 25.5% | -98.4% | · | · | · | · | |
| Pretax Margin | 12.3% | 13.0% | · | 12.2% | 44.2% | 3.1% | · | -31.8% | 32.4% | -124.5% | · | · | · | · | |
| ROA | 0.07% | 0.07% | · | 0.06% | 0.59% | 0.02% | · | -0.30% | 0.26% | -0.47% | · | · | · | · | |
| ROE | 0.30% | 0.30% | · | 0.26% | 3.0% | 0.08% | · | -1.2% | 1.8% | -2.9% | · | · | · | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · | · | · |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $24.64 | $24.45 | · | $23.77 | $23.55 | $22.89 | · | $23.00 | · | · | · | · | · | · | |
| Revenue / Share | $0.81 | $0.77 | · | $0.69 | $1334.69 | $622.49 | · | $0.61 | · | · | · | · | · | · | |
| Cash Flow / Share | · | $0.21 | · | · | · | $160.15 | · | · | · | · | · | · | · | · | |
| Cash / Share | $3.66 | $4.41 | · | $6.23 | $4.98 | $5.41 | · | $6.13 | · | · | · | · | · | · | |
| EPS (TTM) | $0.33 | $0.86 | · | $0.73 | $0.51 | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $2M | $4M | · | $4M | $3M | $132.0K | · | $-1M | $-232.0K | $-711.0K | · | · | · | · | |
| Market Cap | $85M | $78M | · | $76M | $69M | $68M | · | $58M | · | · | · | · | · | · | |
| P/E | 49.2 | 17.2 | · | 18.9 | 24.2 | · | · | · | · | · | · | · | · | · | |
| P/B | 0.7 | 0.6 | · | 0.6 | 0.5 | 0.5 | · | 0.5 | · | · | · | · | · | · | |
| P / Tangible Book | 0.7 | 0.6 | · | 0.6 | 0.5 | 0.5 | · | 0.5 | · | · | · | · | · | · | |
| P / Cash Flow | · | 75.6 | · | · | · | 82.4 | · | · | · | · | · | · | · | · | |
| Earnings Yield | 2.0% | 5.8% | · | 5.3% | 4.1% | · | · | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | $605.0K | $619.0K | $614.0K |
| Net Income | $4M | $-1M | $797.0K |
| Diluted EPS | $0.80 | $-0.21 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free Cash Flow | $942.0K | $-2M | · |
Institutional owners (13F) 26 filers · $24.6M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
26
Value held
$24.6M
New positions
6
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 6 (+2 vs prior Q) | 4 (0 vs prior Q) | 5 (-4 vs prior Q) | 6 (+4 vs prior Q) | -21K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $5,282,441 | 356,440 | 21.44% | Shares |
| VANGUARD GROUP INC | $3,960,510 | 264,034 | 16.08% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $3,673,174 | 226,320 | 14.91% | Shares |
| MANGROVE PARTNERS IM, LLC | $2,300,862 | 141,766 | 9.34% | Shares |
| STILWELL VALUE LLC | $1,298,400 | 80,000 | 5.27% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,015,998 | 62,600 | 4.12% | Shares |
| Daytona Street Capital LLC | $868,750 | 50,000 | 3.53% | Shares |
| Waverly Advisors, LLC | $855,986 | 52,741 | 3.47% | Shares |
| MORGAN STANLEY | $813,155 | 50,102 | 3.30% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $792,552 | 48,810 | 3.22% | Shares |
| Arcus Capital Partners, LLC | $597,329 | 36,804 | 2.42% | Shares |
| TruWealth Advisors, LLC | $559,322 | 37,741 | 2.27% | Shares |
| BlackRock, Inc. | $518,954 | 31,975 | 2.11% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $453,515 | 27,943 | 1.84% | Shares |
| Creative Planning | $405,750 | 25,000 | 1.65% | Shares |
| CITADEL ADVISORS LLC | $335,555 | 20,675 | 1.36% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $169,312 | 10,432 | 0.69% | Shares |
| NORTHERN TRUST CORP | $164,264 | 10,121 | 0.67% | Shares |
| Beacon Pointe Advisors, LLC | $162,300 | 10,000 | 0.66% | Shares |
| ORLEANS CAPITAL MANAGEMENT CORP/LA | $162,300 | 10,000 | 0.66% | Shares |
| Krilogy Financial LLC | $162,300 | 10,000 | 0.66% | Shares |
| Vanguard Global Advisers, LLC | $49,323 | 3,039 | 0.20% | Shares |
| OSAIC HOLDINGS, INC. | $16,162 | 996 | 0.07% | Shares |
| American Capital Advisory, LLC | $8,927 | 550 | 0.04% | Shares |
| UBS Group AG | $7,547 | 465 | 0.03% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $340 | 21,026 | 0.00% | Shares |
Company insiders 10 insiders · 5 officers · 6 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Amie L. Lyons | President and CEO | Feb. 9, 2026 A | 31,133 | 0 | 0 | $0 |
| Melissa C. Burns | CFO and Treasurer | Feb. 9, 2026 A | 31,133 | 0 | 0 | $0 |
| Gregory P. Nolan | SVP & General Counsel | June 8, 2026 A | 21,118 | 0 | 0 | $0 |
| Shane Michael Smith | Chief Credit Officer | Feb. 9, 2026 A | 18,502 | 2 | 0 | $72,656 |
| Dodie F. Gervais | VP of Lending Subsidiary | Feb. 9, 2026 A | 31,133 | 0 | 0 | $0 |
| Chris M. Rittiner | Director | Aug. 25, 2026 S | 27,118 | 0 | 6 | $-163,775 |
| Linda A. Sins | Director | May 21, 2026 S | 17,600 | 0 | 4 | $-40,550 |
| David Charles Nolan | Director | Sept. 16, 2025 A | 21,118 | 0 | 0 | $0 |
| Nolan P. Lambert | Director | Sept. 16, 2025 A | 11,118 | 0 | 0 | $0 |
| Herman Greg Abry | Director | Sept. 16, 2025 A | 41,118 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 7 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 17,125 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 782 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 753 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 765 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 53,624 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 170,215 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 707 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 10, 2026