Fifth District Savings Bank (FDSB) Earnings History
Profitable4 years of earnings data (2022–2025) · Positive TTM net income
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Fifth District Savings Bank (FDSB) Earnings Overview
As of June 28, 2026, Fifth District Savings Bank (FDSB) reported trailing twelve-month net income of $4M, reflecting +481.0% year-over-year growth. The company earned $0.85 per diluted share over the past four quarters, with a net profit margin of 15.4%.
Looking at the long-term picture, FDSB's historical earnings data spans multiple years. The company achieved its highest annual net income of $4M in fiscal 2025, representing a new all-time high.
Fifth District Savings Bank maintains industry-leading profitability with a gross margin of 65.2%, operating margin of 15.8%, and net margin of 15.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including DCOM ($124M net income, 15.2% margin), NBTB ($184M net income, 19.5% margin), CZWI ($15M net income, 16.0% margin), FDSB has outperformed on profitability metrics. Compare FDSB vs DCOM →
FDSB Earnings vs Peers
Earnings metrics vs comparable public companies
FDSB Historical Earnings Data (2022–2025)
4 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $4M | +479.2% | $4M | $0.80 | 15.4% | 15.8% |
| 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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FDSB — Frequently Asked Questions
Quick answers to the most common questions about buying FDSB stock.
What is FDSB earnings per share (EPS)?
FDSB trailing twelve-month (TTM) diluted EPS is $0.85, reflecting +481.0% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2022 to 2025 is available in the table on this page.
What is Fifth District Savings Bank's net income?
Fifth District Savings Bank (FDSB) trailing twelve-month net income is $4M as of 2025. Earnings grew +481.0% year-over-year.
Is FDSB profitable?
Yes, FDSB is profitable with a TTM net income of $4M and a net profit margin of +15.4%.
What is FDSB's earnings growth rate?
FDSB compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: +15.4%, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2022 to 2025.
What are FDSB's profit margins?
Fifth District Savings Bank net profit margin is +15.4%, operating margin is +15.8%, and gross margin is +65.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +3.2%.
Is FDSB growing earnings?
Yes, FDSB earnings are accelerating — EPS growth of +481.0% exceeds the 5-year CAGR of N/A. TTM net income reached $4M. Earnings momentum is strengthening.
What was FDSB's best earnings year?
Fifth District Savings Bank's highest annual net income on record is $4M, achieved in fiscal year 2025. Earnings history on this page spans 2022 to 2025 and includes all annual and quarterly figures.
What were FDSB's earnings last quarter?
FDSB's most recent reported quarter was Q1 2026. Net income was $387000.00 with diluted EPS of $0.08. For a full breakdown of all quarters, see the quarterly earnings table on this page.