Fifth District Savings Bank (FDSB) Earnings History
Annual and quarterly earnings data from 2022 to 2024
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FDSB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FDSB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 58.5% | -7.4% | -5.6% |
| 2023 | 65.3% | 5.4% | 4.6% |
| 2022 | 89.5% | 23.6% | 19.0% |
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Fifth District Savings Bank (FDSB) Earnings Overview
As of May 8, 2026, Fifth District Savings Bank (FDSB) reported trailing twelve-month net income of $4M, reflecting -250.0% year-over-year growth. The company earned $0.72 per diluted share over the past four quarters, with a net profit margin of -5.6%.
Looking at the long-term picture, FDSB's historical earnings data spans multiple years. The company achieved its highest annual net income of $3M in fiscal 2022.
Fifth District Savings Bank maintains positive profitability with a gross margin of 58.5%, operating margin of -7.4%, and net margin of -5.6%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including DCOM ($111M net income, 15.2% margin), NBTB ($169M net income, 19.5% margin), CZWI ($14M net income, 16.0% margin), FDSB has room to improve margins relative to the peer group. Compare FDSB vs DCOM →
FDSB Earnings vs Peers
Earnings metrics vs comparable public companies
FDSB Historical Earnings Data (2022–2024)
3 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | -$1M | -235.3% | -$1M | $-0.21 | -5.6% | -7.4% |
| 2023 | $797,000 | -72.6% | $946,000 | $0.14 | 4.6% | 5.4% |
| 2022 | $3M | - | $4M | $0.52 | 19.0% | 23.6% |
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Start ComparisonFDSB — Frequently Asked Questions
Quick answers to the most common questions about buying FDSB stock.
Is FDSB growing earnings?
FDSB EPS fell to $0.72, with earnings declining -250.0%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $4M.
What are FDSB's profit margins?
Fifth District Savings Bank net margin is -5.6%, with operating margin at -7.4%. Below-average margins reflect competitive or cost pressures.
How consistent are FDSB's earnings?
FDSB earnings data spans 2022-2024. The declining earnings trend is -250.0% YoY. Historical data enables comparison across business cycles.