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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 $15.65, about 68.9% undervalued vs fair value, +30.2% 1Y return, ranked 872/1037 in sector.
USD 15.65
0.84%
(Delayed)
• Vol 90d: 9.4%
52-Week Range
Market Cap
$81.71M
Enterprise Value
$47.33M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 47%
Updated: Mar 8
Top Beats
No strong beats yet

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
$26
$50
Current: $15.65 +69% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$19.3M
17.4%%
Interest Expense
$9.2M
Net Interest Income
$10.1M
0.1%%
Total Revenue
$10.1M
-8.7%%
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
-0.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

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

Competitive Advantage Assessment

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

Overall Moat Strength
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
11
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For informational purposes only. Not investment advice.

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 (46.0%), Profitability (26.3%), and Safety (27.7%). Growth 46% Safety 28% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 9.7% 74p Equity Growth YoY 61.7% 97p NII Growth YoY 0.1% 43p EPS Growth YoY -2.47 4p
Strengths
  • Equity Growth YoY in top 20% of peers (61.7%, 97th percentile)
  • Efficiency Ratio in top 20% of peers (94.4%, 92th percentile)
  • Equity/Assets in top 20% of peers (23.8%, 92th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-2.47)

Profitability

32th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
34
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
$26.43
- - -
+68.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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