| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FFINFirst Financial Bankshares, Inc. | 4.68B | 32.65 | 20.93 | 18.79% | 30.24% | 14.14% | 6.26% | 0.12 |
| FHNFirst Horizon Corporation | 11.85B | 24.44 | 17.97 | 4.71% | 15.7% | 9.58% | 10.33% | 0.50 |
| AUBAtlantic Union Bankshares Corporation | 5.47B | 38.36 | 17.13 | 28.8% | 15.53% | 4.22% | 5.51% | 0.17 |
| UCBUnited Community Banks, Inc. | 4.09B | 33.91 | 16.62 | 14.65% | 17.05% | 8.83% | 7.4% | 0.13 |
| SNVSynovus Financial Corp. | 6.95B | 50.05 | 16.52 | 1.16% | 14.09% | 13.7% | 11.01% | 0.35 |
| PNFPPinnacle Financial Partners, Inc. | 14.67B | 97.65 | 16.38 | 15.32% | 16.65% | 9.1% | 5.5% | 0.39 |
| CADECadence Bank | 8.27B | 44.40 | 16.03 | 32.37% | 18.03% | 9.08% | 9.39% | 0.01 |
| ABCBAmeris Bancorp | 5.56B | 81.41 | 15.69 | 9.75% | 21.97% | 9.91% | 2.53% | 0.11 |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Net Interest Income | 12.78M | 10.05M | 10.06M |
| NII Growth % | - | -0.21% | 0% |
| Net Interest Margin % | - | - | - |
| Interest Income | 14.4M | 16.41M | 19.28M |
| Interest Expense | 1.62M | 6.37M | 9.22M |
| Loan Loss Provision | 0 | -325K | -1.21M |
| Non-Interest Income | 952.05K | 973K | 11K |
| Non-Interest Income % | - | - | - |
| Total Revenue | 15.35M | 17.39M | 19.29M |
| Revenue Growth % | - | 0.13% | 0.11% |
| Non-Interest Expense | 10.11M | 10.4M | 12.71M |
| Efficiency Ratio | - | - | - |
| Operating Income | 3.62M | 946K | -1.44M |
| Operating Margin % | - | - | - |
| Operating Income Growth % | - | -0.74% | -2.52% |
| Pretax Income | 3.62M | 946K | -1.44M |
| Pretax Margin % | - | - | - |
| Income Tax | 712.43K | 149K | -358K |
| Effective Tax Rate % | - | - | - |
| Net Income | 2.91M | 797K | -1.08M |
| Net Margin % | - | - | - |
| Net Income Growth % | - | -0.73% | -2.35% |
| Net Income (Continuing) | 2.91M | 797K | -1.08M |
| EPS (Diluted) | 0.52 | 0.14 | -0.21 |
| EPS Growth % | - | -0.73% | -2.5% |
| EPS (Basic) | 0.52 | 0.14 | -0.21 |
| Diluted Shares Outstanding | 5.56M | 5.56M | 5.13M |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 20.28M | 19.31M | 37.92M |
| Short Term Investments | 1000K | 1000K | 0 |
| Total Investments | 426.7M | 432.94M | 460.32M |
| Investments Growth % | - | 0.01% | 0.06% |
| Long-Term Investments | 350M | 365.04M | 460.32M |
| Accounts Receivables | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 |
| PP&E (Net) | 11.12M | 12.47M | 11.92M |
| Other Assets | 11.12M | 12.26M | 12.73M |
| Total Current Assets | 98.74M | 88.96M | 39.88M |
| Total Non-Current Assets | 374.68M | 391.83M | 487.42M |
| Total Assets | 473.43M | 480.8M | 527.31M |
| Asset Growth % | - | 0.02% | 0.1% |
| Return on Assets (ROA) | 0.01% | 0% | -0% |
| Accounts Payable | 0 | 0 | 0 |
| Total Debt | 0 | 4M | 0 |
| Net Debt | -20.28M | -15.31M | -37.92M |
| Long-Term Debt | 0 | 0 | 0 |
| Short-Term Debt | 0 | 4M | 0 |
| Other Liabilities | 8.42M | 9M | 10.06M |
| Total Current Liabilities | 388.94M | 394M | 391.48M |
| Total Non-Current Liabilities | 8.42M | 9M | 10.06M |
| Total Liabilities | 397.36M | 403M | 401.53M |
| Total Equity | 76.07M | 77.8M | 125.78M |
| Equity Growth % | - | 0.02% | 0.62% |
| Equity / Assets (Capital Ratio) | - | - | - |
| Return on Equity (ROE) | 0.04% | 0.01% | -0.01% |
| Book Value per Share | 13.68 | 13.99 | 24.54 |
| Tangible BV per Share | - | - | - |
| Common Stock | 0 | 0 | 56K |
| Additional Paid-in Capital | 0 | 0 | 53.16M |
| Retained Earnings | 83.97M | 84.77M | 83.69M |
| Accumulated OCI | -7.91M | -6.97M | -6.91M |
| Treasury Stock | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Cash from Operations | 3.97M | 796K | -1.05M |
| Operating CF Growth % | - | -0.8% | -2.32% |
| Net Income | 2.91M | 797K | -1.08M |
| Depreciation & Amortization | 532.93K | 548K | 694K |
| Deferred Taxes | 47.93K | 135K | -400K |
| Other Non-Cash Items | 195.06K | -351K | -352K |
| Working Capital Changes | 284.66K | -333K | -164K |
| Cash from Investing | -25.86M | -6.64M | -27.48M |
| Purchase of Investments | -15.56M | -1M | -54.35M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - |
| Acquisitions | 0 | 0 | 0 |
| Other Investing | -24.8M | -14.44M | -675K |
| Cash from Financing | 18.35M | 5.11M | 47.15M |
| Dividends Paid | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 48.75M |
| Net Stock Activity | - | - | - |
| Debt Issuance (Net) | 0 | 1000K | -1000K |
| Other Financing | 18.35M | 1.11M | 2.4M |
| Net Change in Cash | -3.54M | -729K | 18.61M |
| Exchange Rate Effect | 0 | 0 | 0 |
| Cash at Beginning | 23.57M | 20.04M | 19.31M |
| Cash at End | 20.04M | 19.31M | 37.92M |
| Interest Paid | 1.37M | 5.79M | 8.97M |
| Income Taxes Paid | 592K | 125K | 0 |
| Free Cash Flow | 2.9M | -1.11M | -1.56M |
| FCF Growth % | - | -1.38% | -0.41% |
| Metric | 2022 | 2023 | 2024 |
|---|---|---|---|
| Return on Equity (ROE) | 3.83% | 1.04% | -1.06% |
| Return on Assets (ROA) | 0.61% | 0.17% | -0.21% |
| Net Interest Margin | 2.7% | 2.09% | 1.91% |
| Efficiency Ratio | 65.87% | 59.82% | 65.91% |
| Equity / Assets | 16.07% | 16.18% | 23.85% |
| Book Value / Share | 13.68 | 13.99 | 24.54 |
| NII Growth | - | -21.39% | 0.07% |
| 2024 | |
|---|---|
| ATM and Check Card Fees | 402K |
| ATM and Check Card Fees Growth | - |
| Insufficient Funds Fees | 164K |
| Insufficient Funds Fees Growth | - |
| Deposit Service and Account Maintenance Fees | 53K |
| Deposit Service and Account Maintenance Fees Growth | - |
Fifth District Savings Bank (FDSB) grew revenue by 10.9% over the past year. This is steady growth.
Yes, Fifth District Savings Bank (FDSB) is profitable, generating $3.7M in net income for fiscal year 2024 (-5.6% net margin).
Fifth District Savings Bank (FDSB) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.
Fifth District Savings Bank (FDSB) has a net interest margin (NIM) of 1.9%. NIM has been under pressure due to interest rate environment.
Fifth District Savings Bank (FDSB) has an efficiency ratio of 65.9%. This is higher than peers, suggesting room for cost optimization.