Fifth District Savings Bank(FDSB)Earnings, Financials & Key Ratios
FDSB•NASDAQ•Banking & Credit
$15.15
$84M mkt cap·Price updated May 6, 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$10M
- Total Revenue$19M+10.9%
- Net Income-$1M-235.3%
- Return on Equity-1.06%-202.2%
- Net Interest Margin1.91%-8.8%
- Efficiency Ratio65.91%+10.2%
- ROA-0.21%-228.1%
- Equity / Assets23.85%+47.4%
- Book Value per Share24.54+75.4%
- Tangible BV/Share24.54+75.4%
FDSB Key Insights
Fifth District Savings Bank (FDSB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 23.9% equity/assets
- ✓Share count reduced 7.8% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 1.3%
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak NIM of 1.9%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FDSB Price & Volume
Fifth District Savings Bank (FDSB) stock price & volume — 10-year historical chart
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FDSB Growth Metrics
Fifth District Savings Bank (FDSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM450.1%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM467.71%
Return on Capital
10 Years1.37%
5 Years1.37%
3 Years1.37%
Last Year-1.29%
FDSB Peer Comparison
Fifth District Savings Bank (FDSB) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 DCOM | 1.64B | 37.19 | 15.69 | 13.03% | 7.67% | 0.25 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 KRNY | 510.29M | 8.12 | 19.32 | 5.09% | 4.31% | 1.68 | ||
 FHN | 12.16B | 25.07 | 13.34 | 0.97% | 10.74% | 0.50 | ||
 ICE | 86.89B | 153.40 | 26.59 | 7.46% | 11.57% | 0.70 |
Compare FDSB vs Peers
Fifth District Savings Bank (FDSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FDSB Income Statement
Fifth District Savings Bank (FDSB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Net Interest Income | 12.78M | 10.05M | 10.06M | 12.28M |
| NII Growth % | - | -21.39% | 0.07% | 125.06% |
| Net Interest Margin % | 2.7% | 2.09% | 1.91% | 2.28% |
| Interest Income | 14.4M | 16.41M | 19.28M | 21.52M |
| Interest Expense | 1.62M | 6.37M | 9.22M | 9.24M |
| Loan Loss Provision | 0 | -325K | -1.21M | 0 |
| Non-Interest Income | 952.05K | 973K | 11K | 4.45M |
| Non-Interest Income % | 6.2% | 5.6% | 0.06% | 17.14% |
| Total Revenue | 15.35M▲ 0% | 17.39M▲ 13.3% | 19.29M▲ 10.9% | 25.98M▲ 0% |
| Revenue Growth % | - | 13.26% | 10.93% | 172.08% |
| Non-Interest Expense | 10.11M | 10.4M | 12.71M | 13.03M |
| Efficiency Ratio | 65.87% | 59.82% | 65.91% | 50.17% |
| Operating Income | 3.62M▲ 0% | 946K▼ 73.9% | -1.44M▼ 251.8% | 3.7M▲ 0% |
| Operating Margin % | 23.6% | 5.44% | -7.45% | 14.24% |
| Operating Income Growth % | - | -73.88% | -251.8% | - |
| Pretax Income | 3.62M▲ 0% | 946K▼ 73.9% | -1.44M▼ 251.8% | 3.7M▲ 0% |
| Pretax Margin % | 23.6% | 5.44% | -7.45% | 14.24% |
| Income Tax | 712.43K | 149K | -358K | -8K |
| Effective Tax Rate % | 19.67% | 15.75% | 24.93% | -0.22% |
| Net Income | 2.91M▲ 0% | 797K▼ 72.6% | -1.08M▼ 235.3% | 3.71M▲ 0% |
| Net Margin % | 18.96% | 4.58% | -5.59% | 14.27% |
| Net Income Growth % | - | -72.61% | -235.26% | 450.1% |
| Net Income (Continuing) | 2.91M | 797K | -1.08M | 3.71M |
| EPS (Diluted) | 0.52▲ 0% | 0.14▼ 73.1% | -0.21▼ 250.0% | 0.72▲ 0% |
| EPS Growth % | - | -73.08% | -250% | 467.71% |
| EPS (Basic) | 0.52 | 0.14 | -0.21 | - |
| Diluted Shares Outstanding | 5.56M | 5.56M | 5.13M | 5.14M |
FDSB Balance Sheet
Fifth District Savings Bank (FDSB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Cash & Short Term Investments | 96.97M | 87.21M | 37.92M | 304.77M |
| Cash & Due from Banks | 20.28M | 19.31M | 37.92M | 34.38M |
| Short Term Investments | 76.69M | 67.9M | 0 | 0 |
| Total Investments | 426.7M | 432.94M | 460.32M | 479.98M |
| Investments Growth % | - | 1.46% | 6.32% | 54.48% |
| Long-Term Investments | 350M | 365.04M | 460.32M | 1.8B |
| Accounts Receivables | 1.59M | 1.59M | 1.62M | 2.34M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| PP&E (Net) | 11.12M | 12.47M | 11.92M | 11.72M |
| Other Assets | 11.12M | 12.26M | 12.73M | 9.24M |
| Total Current Assets | 98.74M | 88.96M | 39.88M | 36.72M |
| Total Non-Current Assets | 374.68M | 391.83M | 487.42M | 502.78M |
| Total Assets | 473.43M▲ 0% | 480.8M▲ 1.6% | 527.31M▲ 9.7% | 539.5M▲ 0% |
| Asset Growth % | - | 1.56% | 9.67% | 26.63% |
| Return on Assets (ROA) | 0.61% | 0.17% | -0.21% | 0.69% |
| Accounts Payable | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 4M | 0 | 0 |
| Net Debt | -20.28M | -15.31M | -37.92M | -34.38M |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 4M | 0 | 0 |
| Other Liabilities | 8.42M | 9M | 10.06M | 12.03M |
| Total Current Liabilities | 388.94M | 394M | 391.48M | 396.17M |
| Total Non-Current Liabilities | 8.42M | 9M | 10.06M | 12.03M |
| Total Liabilities | 397.36M | 403M | 401.53M | 408.2M |
| Total Equity | 76.07M▲ 0% | 77.8M▲ 2.3% | 125.78M▲ 61.7% | 131.3M▲ 0% |
| Equity Growth % | - | 2.27% | 61.67% | 197.43% |
| Equity / Assets (Capital Ratio) | 16.07% | 16.18% | 23.85% | 24.34% |
| Return on Equity (ROE) | 3.83% | 1.04% | -1.06% | 2.82% |
| Book Value per Share | 13.68 | 13.99 | 24.54 | 25.52 |
| Tangible BV per Share | 13.68 | 13.99 | 24.54 | 25.52 |
| Common Stock | 0 | 0 | 56K | 55K |
| Additional Paid-in Capital | 0 | 0 | 53.16M | 52.84M |
| Retained Earnings | 83.97M | 84.77M | 83.69M | 87.1M |
| Accumulated OCI | -7.91M | -6.97M | -6.91M | -4.64M |
| Treasury Stock | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 |
FDSB Cash Flow Statement
Fifth District Savings Bank (FDSB) cash flow — operating, investing & free cash flow history
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Cash from Operations | 3.97M | 796K | -1.05M | -1.05M |
| Operating CF Growth % | - | -79.95% | -232.41% | 316.73% |
| Net Income | 2.91M | 797K | -1.08M | 3.71M |
| Depreciation & Amortization | 532.93K | 548K | 694K | 676K |
| Deferred Taxes | 47.93K | 135K | -400K | -262K |
| Other Non-Cash Items | 195.06K | -351K | -352K | -2.71M |
| Working Capital Changes | 284.66K | -333K | -164K | -1.01M |
| Cash from Investing | -25.86M | -6.64M | -27.48M | -11.81M |
| Purchase of Investments | -15.56M | -1M | -54.35M | -21.63M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 2M |
| Net Investment Activity | -14.56M | -1 | -53.35M | -19.63M |
| Acquisitions | 0 | 0 | 0 | 0 |
| Other Investing | -24.8M | -14.44M | -675K | 2.37M |
| Cash from Financing | 18.35M | 5.11M | 47.15M | 11.37M |
| Dividends Paid | 0 | 0 | 0 | -13K |
| Share Repurchases | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 48.75M | 0 |
| Net Stock Activity | 0 | 0 | 48.75M | 0 |
| Debt Issuance (Net) | 0 | 1000K | -1000K | 0 |
| Other Financing | 18.35M | 1.11M | 2.4M | 11.38M |
| Net Change in Cash | -3.54M▲ 0% | -729K▲ 79.4% | 18.61M▲ 2652.8% | 292K▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 |
| Cash at Beginning | 23.57M | 20.04M | 19.31M | 27.69M |
| Cash at End | 20.04M | 19.31M | 37.92M | 34.38M |
| Interest Paid | 1.37M | 5.79M | 8.97M | 6.94M |
| Income Taxes Paid | 592K | 125K | 0 | 0 |
| Free Cash Flow | 2.9M▲ 0% | -1.11M▼ 138.3% | -1.56M▼ 40.6% | 648K▲ 0% |
| FCF Growth % | - | -138.31% | -40.65% | 130.25% |
FDSB Banking Ratios
Fifth District Savings Bank (FDSB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2023 | 2024 | TTM |
|---|---|---|---|
| Return on Equity (ROE) | 1.04% | -1.06% | 2.82% |
| Return on Assets (ROA) | 0.17% | -0.21% | 0.69% |
| Net Interest Margin | 2.09% | 1.91% | 2.28% |
| Efficiency Ratio | 59.82% | 65.91% | 50.17% |
| Equity / Assets | 16.18% | 23.85% | 24.34% |
| Book Value / Share | 13.99 | 24.54 | 25.52 |
| NII Growth | -21.39% | 0.07% | 30.01% |
| Dividend Payout | - | - | 0.35% |
FDSB Frequently Asked Questions
Fifth District Savings Bank (FDSB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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).
Dividend & Returns
Fifth District Savings Bank (FDSB) has a return on equity (ROE) of -1.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
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.
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