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6Material company update
May 20, 2026·SEC
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Feb 9, 2026·SEC
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Sep 16, 2025·SEC
Fifth District Savings Bank(FDSB)Earnings, Financials & Key Ratios
FDSB•NASDAQ•Banking & Credit
$16.07
20.1× P/E·Price updated Jun 25, 2026
AboutFifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. The company offers a range of deposit accounts, including checking 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, and share loans; and purchases commercial business loans. In addition, it offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is based in New Orleans, Louisiana.Show more
- Net Interest Income$13M+27.8%
- Total Revenue$26M+37.3%
- Net Income$4M+479.2%
- Return on Equity3.2%+402.1%
- Net Interest Margin2.4%+26.1%
- Efficiency Ratio49.39%-25.1%
- ROA0.77%+460.0%
- Equity / Assets24.28%+1.8%
- Book Value per Share25.22+2.8%
FDSB Price & Volume
Fifth District Savings Bank (FDSB) stock price & volume — 10-year historical chart
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Localized Mortgage Concentration Masks Structural Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:Geographic and concentration risk
"Fifth District Savings Bank exhibits a stable but constrained growth profile, characterized by a successful expansion of net interest income from $2.0 million in 2024Q1 to $3.5 million in 2026Q1. However, the bank's heavy reliance on a localized New Orleans residential mortgage portfolio and a stagnant net interest margin, which has hovered between 0.4% and 0.7% over the last ten quarters, presents significant geographic and interest rate sensitivity. Investors should monitor the sustainability of capital returns, as evidenced by the $2.9 million share buyback in 2025Q4, against the backdrop of inconsistent organic earnings generation."
Verdict Logic
while the bank maintains a solid equity-to-assets ratio of 0.24, the stagnant net interest margin of 0.7% and high geographic concentration risk suggest limited upside potential at the current 0.64 price-to-book valuation.
FDSB Growth Metrics
Fifth District Savings Bank (FDSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years19.94%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years12%
TTM3231.06%
EPS CAGR
10 Years-
5 Years-
3 Years15.44%
TTM3956.67%
Return on Capital
10 Years1.78%
5 Years1.78%
3 Years0.95%
Last Year3.02%
FDSB Recent Earnings
Fifth District Savings Bank (FDSB) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.08
—
Rev
$6M
—
Q2 2026
Mar 24, 2026Metric
Actual
Est
EPS
$0.11
—
Rev
$1M
—
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.07
—
Rev
$6M
—
Q3 2025
Aug 12, 2025Metric
Actual
Est
EPS
$0.61
—
Rev
$9M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.08 | $6M |
| Q2 2026 | Mar 24, 2026 | $0.11 | $1M |
| Q4 2025 | Nov 10, 2025 | $0.07 | $6M |
| Q3 2025 | Aug 12, 2025 | $0.61 | $9M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Fifth District Savings Bank (FDSB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.07 | $84.58M | 20.08 | 37.33% | 15.43% | 3.2% | — | |
| $39.97 | $1.76B | 16.87 | 13.03% | 16.65% | 8.46% | — | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — | |
| $54.26 | $948.18M | 16.70 | 5.77% | 22.43% | 9.21% | — | |
| $14.55 | $607.67M | 734.85 | -26.69% | 1.79% | 0.68% | — |
Compare FDSB vs Peers
Fifth District Savings Bank (FDSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FDSB SEC Filings & Documents
Fifth District Savings Bank (FDSB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FDSB Frequently Asked Questions
Fifth District Savings Bank (FDSB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Fifth District Savings Bank growing?
Fifth District Savings Bank (FDSB) grew revenue by 37.3% over the past year. This is strong growth.
Is FDSB profitable?
Yes, Fifth District Savings Bank (FDSB) is profitable, generating $4.4M in net income for fiscal year 2025 (15.4% net margin).
Dividend & Returns
What is FDSB's return on equity?
Fifth District Savings Bank (FDSB) has a return on equity (ROE) of 3.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is Fifth District Savings Bank's net interest margin?
Fifth District Savings Bank (FDSB) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
What is Fifth District Savings Bank's efficiency ratio?
Fifth District Savings Bank (FDSB) has an efficiency ratio of 49.4%. This is excellent, indicating strong cost control.