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Updated 1d ago
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Fifth District Bancorp, Inc.NasdaqCM:FDSB Stock Report

Market Cap US$96.2m
Updated 1d ago
Share Price
n/a
1Y34.4%
7D1.9%
1D1.7%
Portfolio Value
​
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Fifth District Bancorp, Inc.

NasdaqCM:FDSB Stock Report

Market Cap: US$96.2m

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

Fifth District Bancorp (FDSB) Stock Overview

Operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. More details

FDSB fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends0/6

Risk Analysis

Does not have a meaningful market cap ($96M)

Significant insider selling over the past 3 months


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US$
Current Price
US$18.695.1% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture-232k16m2016201920222025202620282031Revenue US$14.1mEarnings US$1.7m
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Fifth District Bancorp, Inc. Competitors

1ST SUMMIT BANCORP of Johnstown

Symbol: OTCPK:FSMK
Market cap: US$96.5m

Bank of San Francisco

Symbol: OTCPK:BSFO
Market cap: US$95.8m

National Capital Bancorp

Symbol: OTCPK:NACB
Market cap: US$98.0m

Uwharrie Capital

Symbol: OTCPK:UWHR
Market cap: US$98.0m

Price History & Performance

Summary of share price highs, lows and changes for Fifth District Bancorp
Historical stock prices
Current Share PriceUS$18.69
52 Week HighUS$18.69
52 Week LowUS$13.00
Beta0.20
1 Month Change4.47%
3 Month Change20.43%
1 Year Change34.36%
3 Year Changen/a
5 Year Changen/a
Change since IPO82.34%

Recent News & Updates

Recent updates

Shareholder Returns

FDSBUS BanksUS Market
7D1.9%-0.3%-0.2%
1Y34.4%18.7%14.8%

Return vs Industry: FDSB exceeded the US Banks industry which returned 18.9% over the past year.

Return vs Market: FDSB exceeded the US Market which returned 15.5% over the past year.

Price Volatility

Is FDSB's price volatile compared to industry and market?
FDSB volatility
FDSB Average Weekly Movement2.4%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.9%

Stable Share Price: FDSB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FDSB's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
192667Amie Lyonswww.fifthdistrict.com

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.

Fifth District Bancorp, Inc. Fundamentals Summary

How do Fifth District Bancorp's earnings and revenue compare to its market cap?
FDSB fundamental statistics
Market capUS$96.18m
Earnings (TTM)US$1.66m
Revenue (TTM)US$14.08m
59.1x
P/E Ratio
0.8x
P/B Ratio

Is FDSB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FDSB income statement (TTM)
RevenueUS$14.08m
Cost of RevenueUS$0
Gross ProfitUS$14.08m
Other ExpensesUS$12.43m
EarningsUS$1.66m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)0.32
Gross Margin100.00%
Net Profit Margin11.75%
Debt/Equity Ratio0%

How did FDSB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/09 11:02
End of Day Share Price 2026/09/09 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Fifth District Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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