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Fifth District Savings Bank (FDSB) Total Return Calculator with Dividends Reinvested

Fifth District Savings Bank

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The total return for Fifth District Savings Bank (FDSB) stock is +22.66% over the past 12 months. So far it's up 1.47% this year. The 5-year total return is +48.39%, meaning $10,000 invested in FDSB stock 5 years ago would be worth $14,839 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FDSB 1 year ago, it would be worth $12,276 today — you'd have gained $2,276.

With Dividends Reinvested$12,276+22.76%

Price Only (No DRIP)$12,276+22.76%

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in FDSB

1Y$12,266+$2,266 (+22.7%)22.7% CAGR

3Y$14,839+$4,839 (+48.4%)14.1% CAGR

5Y$14,839+$4,839 (+48.4%)8.2% CAGR

10Y$14,839+$4,839 (+48.4%)4.0% CAGR

15Y$14,839+$4,839 (+48.4%)2.7% CAGR

20Y$14,839+$4,839 (+48.4%)2.0% CAGR

30Y$14,839+$4,839 (+48.4%)1.3% CAGR

Fifth District Savings Bank did not pay dividends during this period. Total return = price return.

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As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+1.47%	—	+1.47%	—	$10,147
1Y	+22.66%	22.66%	+22.66%	—	$12,266
3Y	+48.39%	14.06%	+48.39%	—	$14,839
5Y	+48.39%	8.21%	+48.39%	—	$14,839
10Y	+48.39%	4.03%	+48.39%	—	$14,839
15Y	+48.39%	2.67%	+48.39%	—	$14,839
20Y	+48.39%	1.99%	+48.39%	—	$14,839
30Y	+48.39%	1.32%	+48.39%	—	$14,839

Risk & Highlights

Best Year+23.12%2024

Worst Year+18.30%2025

Max Drawdown-6.59%2025-09-05 → 2025-11-17 · Recovered 2025-12-03

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-0.47%	-0.47%	—	+0.41%	-0.9pp
2025	+18.30%	+18.30%	—	+16.64%	+1.7pp
2024	+23.12%	+23.12%	—	+24.00%	-0.9pp

FDSB underperformed the S&P 500 by 7.71pp over the past year (+22.66% vs +30.37%).

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FDSB Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FDSBFifth District Savings Bank	$84M	+3.8%	+1.5%	+22.7%	—	+48.4%	+48.4%	+48.4%
DCOMDime Community Bancshares, Inc.	$1.6B	+6.5%	+26.4%	+46.6%	+3.8pp	+129.1%	+22.7%	+68.6%
NBTBNBT Bancorp Inc.	$2.4B	+2.5%	+9.3%	+9.0%	+3.4pp	+54.1%	+29.9%	+102.2%
CZWICitizens Community Bancorp, Inc.	$203M	+2.9%	+21.5%	+45.6%	+0.7pp	+160.0%	+71.2%	+157.0%
TRSTTrustCo Bank Corp NY	$858M	+7.0%	+18.2%	+60.3%	+4.8pp	+88.2%	+46.5%	+97.2%
NFBKNorthfield Bancorp, Inc.	$588M	+2.2%	+26.5%	+31.5%	+5.8pp	+65.7%	+0.2%	+20.6%
KRNYKearny Financial Corp.	$508M	+3.5%	+12.9%	+37.9%	+8.8pp	+32.6%	-20.5%	-9.0%
FHNFirst Horizon Corporation	$11.9B	+5.6%	+2.1%	+34.9%	+3.3pp	+145.7%	+43.6%	+119.6%
ICEIntercontinental Exchange, Inc.	$88.4B	-6.1%	-2.1%	-10.4%	+1.1pp	+50.8%	+43.4%	+225.3%
FISFidelity National Information Services, Inc.	$24.5B	+2.3%	-27.3%	-35.3%	+2.2pp	-6.6%	-63.2%	-13.2%
JKHYJack Henry & Associates, Inc.	$10.6B	-7.8%	-17.8%	-13.6%	+1.4pp	-1.0%	+0.3%	+94.9%

Compare:FDSB vs DCOM FDSB vs NBTB FDSB vs CZWI FDSB vs DCOM vs NBTB

About FDSB Dividend Returns

Fifth District Savings Bank (FDSB) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FDSB over the past year?

Fifth District Savings Bank (FDSB) delivered a return of 22.66% over the past year. Since FDSB does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in FDSB be worth today?

A $10,000 investment in Fifth District Savings Bank one year ago would be worth $12,266 today, representing a gain of $2,266.

Q3Does FDSB pay dividends?

Fifth District Savings Bank (FDSB) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For FDSB, the total return equals the price-only return.

Q4Did FDSB beat the S&P 500?

No, Fifth District Savings Bank (FDSB) underperformed the S&P 500 by 7.71 percentage points over the past year. FDSB delivered a total return of 22.66%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed FDSB by 7.71pp during this period.

Q5What is FDSB's worst drawdown?

Fifth District Savings Bank (FDSB) experienced a maximum drawdown of -6.59% over the past year, declining from its peak on 2025-09-05 to its trough on 2025-11-17. The stock recovered to its prior peak by 2025-12-03. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FDSB's long-term total return over 10, 20, or 30 years?

Here are Fifth District Savings Bank (FDSB)'s long-term returns with dividends reinvested. Over 10 years, the total return is 48.4% (4.0% CAGR) — $10,000 would have grown to $14,839. Over 20 years: 48.4% total return (2.0% CAGR) — $10,000 → $14,839. Over 30 years: 48.4% total return (1.3% CAGR) — $10,000 → $14,839. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FDSB's best and worst year?

Fifth District Savings Bank's best calendar year was 2024 with a total return of 23.1%. Its worst year was 2025 with a total return of 18.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 4.8 percentage points.