FDSB Fifth District Bancorp, Inc. - Common Stock
$18.26
Price · Aug 18, 2026
Fundamentals as of Aug 10, 2026
52W Range
$13–$18
96% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
22.8
ROE
3.1%
Net Profit Margin
675.7%
FDSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$18.25
Market Cap
$98M
P/E (TTM)
22.8
EPS (TTM)
$0.80
Revenue (TTM)
$605.0K
Div Yield
—
ROE
3.1%
Debt/Equity
—
52W Range
$13 – $18
FDSB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$605.0K
2023-12-31
→
2025-12-31
EPS
$0.80
2024-12-31
→
2025-12-31
Free Cash Flow
$942.0K
2024-12-31
→
2025-12-31
Margins
675.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
FDSB
Peer Median
P/E (TTM)
22.8
16.6
P/S (TTM)
161.4
1.8
P/B
0.8
0.8
Price / FCF
103.7
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
FDSB
Peer Median
Net Profit Margin
675.7%
23.8%
ROA
0.77%
0.92%
ROE
3.1%
5.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
FDSB
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
FDSB
Peer Median
Revenue YoY
-2.3%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
FDSB
Peer Median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.08 | — | — |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FDSB | $80M | 18.8 | -2.3% | 675.7% | 3.1% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| 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 13
| 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 8
| 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 4
| 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 1
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · |
Growth Rates 1
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue YoY | -2.3% | 0.81% | · |
Valuation (TTM) 10
| 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 8
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $4M | $4M | |
| Pretax Income | $485.0K | $490.0K | $617.0K | $434.0K | $3M | $99.0K | $130.0K | $-998.0K | $865.0K | $-1M | $163.0K | |
| Income Tax | $101.0K | $103.0K | $76.0K | $91.0K | $-91.0K | $21.0K | $-29.0K | $-210.0K | $182.0K | $-301.0K | $-15.0K | |
| Net Income | $384.0K | $387.0K | $541.0K | $343.0K | $3M | $78.0K | $159.0K | $-788.0K | $683.0K | $-1M | $178.0K | |
| 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 | -31,284 | 5,143,000 | 5,145,000 | 5,139,000 | 6,000 | 5,125,000 | · | · | · | |
| Shares (Diluted) | 4,870,000 | 4,914,000 | -31,284 | 5,143,000 | 5,145,000 | 5,139,000 | 6,000 | 5,125,000 | · | · | · |
Balance Sheet 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 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 8
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 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 | |
| CapEx | $266.0K | $301.0K | $82.0K | $63.0K | $181.0K | $58.0K | $26.0K | $24.0K | $116.0K | $344.0K | $700.0K | |
| Investing Cash Flow | $-854.0K | $-12M | $5M | $8M | $-7M | $-11M | $-2M | $-19M | $-19M | $13M | $-87.0K | |
| Financing Cash Flow | $-4M | $647.0K | $-5M | $-1M | $4M | $2M | $6M | $6M | $29M | $5M | $4M | |
| Taxes Paid | · | · | · | · | · | · | · | · | · | · | $0 | |
| Free Cash Flow | · | $736.0K | · | · | · | $765.0K | · | · | · | $-1M | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 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 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · |
Valuation (TTM) 8
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $4M | $4M | · | $3M | $3M | $-1M | · | $-1M | $-206.0K | $-513.0K | · | |
| Market Cap | $85M | $78M | · | $76M | $69M | $68M | · | $58M | · | · | · | |
| P/E | 19.3 | 19.0 | · | 25.1 | · | · | · | · | · | · | · | |
| 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 | · | · | · | · | · | |
| P / FCF | · | 106.5 | · | · | · | 88.7 | · | · | · | · | · | |
| Earnings Yield | 5.2% | 5.3% | · | 4.0% | · | · | · | · | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 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 | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Free Cash Flow | $942.0K | $-2M | — |
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Institutional owners (13F) 26 filers · $20.0M 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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 9 (+5 vs prior Q) | 4 (0 vs prior Q) | 3 (-5 vs prior Q) | 5 (+3 vs prior Q) | -27K |
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 | 26.41% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $3,673,174 | 226,320 | 18.37% | Shares |
| MANGROVE PARTNERS IM, LLC | $2,300,862 | 141,766 | 11.50% | Shares |
| STILWELL VALUE LLC | $1,298,400 | 80,000 | 6.49% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,015,998 | 62,600 | 5.08% | Shares |
| Daytona Street Capital LLC | $868,750 | 50,000 | 4.34% | Shares |
| Waverly Advisors, LLC | $855,986 | 52,741 | 4.28% | Shares |
| MORGAN STANLEY | $811,500 | 50,000 | 4.06% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $611,653 | 37,664 | 3.06% | Shares |
| Arcus Capital Partners, LLC | $597,329 | 36,804 | 2.99% | Shares |
| TruWealth Advisors, LLC | $559,322 | 37,741 | 2.80% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $453,515 | 27,943 | 2.27% | Shares |
| Creative Planning | $405,750 | 25,000 | 2.03% | Shares |
| CITADEL ADVISORS LLC | $335,555 | 20,675 | 1.68% | Shares |
| NORTHERN TRUST CORP | $164,264 | 10,121 | 0.82% | Shares |
| Beacon Pointe Advisors, LLC | $162,300 | 10,000 | 0.81% | Shares |
| ORLEANS CAPITAL MANAGEMENT CORP/LA | $162,300 | 10,000 | 0.81% | Shares |
| Krilogy Financial LLC | $162,300 | 10,000 | 0.81% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $131,869 | 8,125 | 0.66% | Shares |
| Vanguard Global Advisers, LLC | $49,323 | 3,039 | 0.25% | Shares |
| VANGUARD GROUP INC | $45,585 | 3,039 | 0.23% | Shares |
| BlackRock, Inc. | $19,297 | 1,189 | 0.10% | Shares |
| OSAIC HOLDINGS, INC. | $16,162 | 996 | 0.08% | Shares |
| American Capital Advisory, LLC | $8,927 | 550 | 0.04% | Shares |
| UBS Group AG | $7,547 | 465 | 0.04% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $340 | 21,026 | 0.00% | Shares |
Company insiders 1 insider · 1 officers · 0 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Gregory P. Nolan | SVP & General Counsel | June 8, 2026 A | 21,118 | 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 |
|---|---|---|---|---|
| DXUV · Dimensional ETF Trust | 0.00% | 782 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 753 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 765 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 707 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |