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Company Analysis

Fifth District Bancorp, Inc. FDSB

A comprehensive view of key metrics, scores, and financial health for Fifth District Bancorp, Inc.

Overview of Fifth District Bancorp, Inc.

FDSB NCM
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
Fifth District Bancorp, Inc. (FDSB), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.36, about 57.9% undervalued vs fair value, +30.1% 1Y return, ranked 937/1078 in sector.
Metrics P/E 18.8× Rev Growth 71.6% ROE 3.2%
USD 17.36
0.76%
(Delayed)
• Vol 90d: 16.6%
52-Week Range
Market Cap
$90.90M
Enterprise Value
$52.98M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 88%
Confidence: 90%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.fifthdistrict.com
HQ New Orleans, LA
Employees 67
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $17.36 +58% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$22.1M
14.4%%
Interest Expense
$9.2M
Net Interest Income
$12.8M
27.8%%
Total Revenue
$17.3M
71.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.2%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.9M
72.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Fifth District Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
29
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 1.00), exceeding regulatory minimums.

Key risks

  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.05).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.08).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
29
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing FDSB's balance between Growth (34.6%), Profitability (9.4%), and Safety (56.0%). Growth 35% Safety 56% Profitability 9%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
59
Key Signals
NII Growth YoY 27.8% 88p EPS Growth YoY 4.80 98p Asset Growth YoY 1.3% 25p Equity Growth YoY 3.2% 25p
Strengths
  • NII Growth YoY in top 20% of peers (27.8%, 88th percentile)
  • EPS Growth YoY in top 20% of peers (4.80, 98th percentile)
  • Equity/Assets in top 20% of peers (24.3%, 93th percentile)
  • Financial Leverage in top 20% of peers (4.15, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

15th percentile vs peers
16
Key Signals
Strengths
Risks
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Safety

95th percentile vs peers
95
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Fifth District Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.42
- - -
+57.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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