OakChart

Fifth District Bancorp Inc

FDSBFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET

17.570.00 (0.00%)
2026-11-12 03:17 CET
Market cap
91.99 USD m
Revenue, TTM
- USD m
Net income, TTM
1.63 USD m
Free cash flow, TTM
2.30 USD m
EPS diluted, TTM
0.32
P/E
54.09
Compare

Price

FDSB against its 20, 50 and 200-day averages
2050200
14.0016.0018.0063K126KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FDSBclose 17.5720-day 17.3250-day 17.74200-day 16.3117.5752w high

6.0% under the 52-week high of 18.69 on 4 Sep 2026. 52-week low 13.00 on 18 Nov 2025. Last 15 sessions, 4.7% high to low

Volume 0.23× normal · the line is the 50-bar volume average

Profile

FDSB
52-week range, 80% of the way up
13.0018.69

Fifth District Bancorp, Inc. is a holding company, which engages in deposit accounts including checking accounts, money market accounts, and certificates of deposit. It also offers electronic banking services including mobile banking, online banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is headquartered in New Orleans, LA.

Employees67
IPOAug 01, 2024
Beta0.25
ATR, 14d0.18
Rel volume0.23
Short float0.17%
Insider own17.20%
Inst own24.54%

Snapshot

6 groups

Valuation

Index-
Market Cap91.99M
Enterprise Value-
Income1.63M
Sales23.93M
Book/sh24.38
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees67
IPOAug 01, 2024

Ratios

P/E54.09
Forward P/E-
PEG-
P/S3.84
P/B0.72
P/C-
P/FCF40.00
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio11.79
Debt/Eq0.00
LT Debt/Eq0.00
Option/ShortNo / Yes

Earnings

EPS (ttm)0.32
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y15.10% -
Sales past 3/5Y19.94% -
EPS Y/Y TTM-54.76%
Sales Y/Y TTM-7.83%
EPS Q/Q-1.05%
Sales Q/Q3.28%
Earnings-
EPS/Sales Surpr.- -

Ownership

Insider Own17.20%
Insider Trans-1.28%
Inst Own24.54%
Inst Trans-2.11%
ROA0.30%
ROE1.26%
ROIC1.28%
Gross Margin-
Oper. Margin8.36%
Profit Margin6.83%
SMA201.43%
SMA50-0.93%
SMA2007.75%
Trades-

Technical

Shs Outstand5.22M
Shs Float4.34M
Short Float0.17%
Short Ratio1.26
Short Interest0.01M
52W High18.69 -6.01%
52W Low13.00 35.15%
Volatility0.50% 0.84%
ATR (14)0.18
RSI (14)52.92
Beta0.25
Rel Volume0.23
Avg Volume5.71K
Volume1,302

Performance

Perf Week-0.57%
Perf Month2.63%
Perf Quarter-3.73%
Perf Half Y16.20%
Perf YTD17.13%
Perf Year32.45%
Perf 3Y-
Perf 5Y-
Perf 10Y-
Recom-
Target Price-
Prev Close17.57
Price17.57
Change %0.00%

Peers

Mkt cap
TickerCompanyMkt cap
CLSTCatalyst Bancorp Inc69.96M
HFBLHome Federal Bancorp Inc (Louisiana)72.73M
FGBIFirst Guaranty Bancshares Inc217.46M
HBCPHome Bancorp Inc480.52M
ISTRInvestar Holding Corp386.55M
TCBSTexas Community Bancshares Inc49.69M
MGYRMagyar Bancorp Inc140.60M
BSBKBogota Financial Corp118.58M
RRBIRed River Bancshares Inc685.15M
WSBKWinchester Bancorp Inc124.01M

Insider trading

6 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Rittiner Chris M.DirectorAug 25 '26Sale18.198,400152,79627,118Aug 26 02:11 PM
Rittiner Chris M.DirectorAug 24 '26Sale18.3060010,97935,518Aug 26 02:11 PM
CHRIS MICHAEL RITTINERDirectorAug 14 '26Proposed Sale18.289,000164,520Aug 14 04:26 PM
Sins Linda A.DirectorMay 21 '26Sale15.03812017,600May 26 03:14 PM
Sins Linda A.DirectorMay 20 '26Sale15.022,69240,4304,700May 21 04:09 PM
Sins Linda A.DirectorMay 20 '26Proposed Sale15.002,40036,000May 20 03:09 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWCiShares Micro-Cap ETFAUM: 1.22B
DXUVUS Vector Equity Portfolio ETF Class SharesAUM: 665.71M
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.14B
DCORUS Core Equity 1 Portfolio ETF Class SharesAUM: 3.65B
DFSUDimensional US Sustainability Core 1 ETFAUM: 2.38B

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
No quarterly earnings.

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
No annual earnings.

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
No estimate revisions.

Estimate history

EPS, annual0.5230.143-0.210.7980.3248
Period2022202320242025TTM
EPS, quarterly-0.1540.0290.0150.6080.0670.1010.0790.0790.066
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual15.35117.38619.14726.48823.93
Period2022202320242025TTM
Sales, quarterly5.4455.3845.4589.1995.9215.8985.8816.0356.115
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual5.5595.5595.5595.3495.224
Period2022202320242025MRQ
Shares, quarterly5.5595.5595.5595.5595.5235.3495.2895.2365.224
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY
Interest Income23.0022.0619.2816.4114.40
Total Interest Expense8.569.219.226.361.62
Net Interest Income14.4412.8510.0610.0512.78
Loan Loss Provision-0.01-1.21-0.33-
Net Interest Income After Loan Loss Provision-12.8411.2710.37-
Non-Interest Income0.934.43-0.130.970.95
Non-Interest Expense13.3613.0812.7110.4010.11
Operating Income2.004.18-1.580.953.62
Unusual Expense0.000.000.000.000.00
Net Income Before Taxes2.004.18-1.440.953.62
Income Taxes0.370.10-0.360.150.71
Consolidated Net Income1.634.09-1.080.802.91
Net Income From Continuing Operations1.634.09-1.080.802.91
Net Income1.634.09-1.080.802.91
EPS (Recurring)0.340.80-0.210.140.52
EPS (Basic, Before Extraordinaries)0.320.80-0.210.140.52
EPS (Diluted)0.320.80-0.210.140.52
Non-Operating Income (Expense)0.000.000.140.000.00
Other After Tax Adjustments0.000.000.000.000.00
Price To Earnings Ratio54.0954.09---
Price To Sales Ratio3.532.903.38--
Operating Margin8.3615.80-8.245.4423.60
Net Margin6.8315.43-5.634.5918.96
Shares Outstanding5.225.355.565.565.56
Market Capitalization91.9991.9970.1670.27-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income5.885.805.655.685.695.485.215.14
Total Interest Expense2.122.082.102.262.352.332.272.29
Net Interest Income3.763.723.553.423.353.152.942.85
Loan Loss Provision---0.010.000.000.00-
Net Interest Income After Loan Loss Provision---3.413.353.152.94-
Non-Interest Income0.240.240.230.220.233.720.250.24
Non-Interest Expense3.593.473.293.013.143.833.102.96
Operating Income0.410.480.490.620.433.040.090.13
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes0.410.480.490.620.433.040.100.13
Income Taxes0.090.100.100.080.09-0.090.02-0.03
Consolidated Net Income0.320.380.390.540.343.130.080.16
Net Income From Continuing Operations0.320.380.390.540.343.130.080.16
Net Income0.320.380.390.540.343.130.080.16
EPS (Recurring)0.070.080.080.100.070.610.020.03
EPS (Basic, Before Extraordinaries)0.070.080.080.100.070.610.020.03
EPS (Diluted)0.070.080.080.100.070.610.020.03
Non-Operating Income (Expense)0.000.000.000.000.000.000.010.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.140.140.11-----
Price To Earnings Ratio54.0919.0018.7520.8927.79957.36--
Price To Sales Ratio3.533.332.713.032.742.492.943.64
Operating Margin6.678.048.3310.467.3332.991.582.41
Net Margin5.276.366.589.175.7933.981.432.95
Shares Outstanding5.225.245.295.355.525.565.565.56
Market Capitalization91.9985.4578.4582.8476.8968.6667.8370.16

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY
Cash & Due from Banks4.995.854.594.84
Investments128.87125.9683.5092.98
Net Loans376.39367.33365.04350.00
Investment in Unconsolidated Affiliates0.000.000.000.00
Customer Liability on Acceptances0.000.000.000.00
Real Estate Assets0.040.040.040.00
Net Property, Plant & Equipment11.6411.9212.4711.12
Interest Receivables2.001.971.761.77
Deferred Tax Assets2.643.403.083.41
Other Intangible Assets8.7411.7811.3310.28
Total Assets535.31528.26481.82474.39
Total Deposits393.16391.48390.00388.94
Total Debt0.000.004.000.00
Long Term Debt0.000.000.000.00
Provision for Risks Charges0.030.010.120.00
Deferred Tax Liabilities0.920.961.020.96
Other Liabilities11.4510.048.878.42
Total Liabilities405.55402.49404.02398.32
Preferred Stock - Carrying Value0.000.000.000.00
Common Equity129.76125.7877.8076.07
Total Shareholders Equity129.76125.7877.8076.07
Accumulated Minority Interest0.000.000.000.00
Total Equity129.76125.7877.8076.07
Total Liabilities & Stockholders Equity535.31528.26481.82474.39
Book Value Per Share24.2622.6213.9913.68
Tangible Book Value Per Share24.2622.6213.9913.68
Full-Time Employees67676465
Price to Book Ratio0.720.550.55-
Return on Assets0.77-0.210.17-
Return on Equity3.20-1.061.04-
Return on Invested Capital3.15-0.861.033.83
Current Ratio0.120.140.080.22

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY
Funds from Operations3.261.45-0.891.133.69
Extraordinary Item0.000.000.000.000.00
Changes in Working Capital-0.21-0.12-0.16-0.330.28
Cash from Operating Activities3.041.33-1.050.803.97
Capital Expenditures-2.24-0.38-0.51-1.91-1.07
Net Assets From Acquisitions0.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.510.000.00
Purchase or Sale of Investments8.82-2.28-26.309.700.01
Purchase of Investments-7.76-18.30-54.35-1.00-15.56
Sale Or Maturity of Investments16.5816.0228.0510.7015.57
Other Uses0.000.000.000.000.00
Other Sources0.006.770.000.000.00
Cash from Investing Activities-18.86-5.03-27.48-6.64-25.86
Cash Dividends Paid0.000.000.000.000.00
Change in Capital Stock-4.55-2.9448.750.000.00
Repurchase of Common Pref Stock-1.610.000.000.000.00
Sale of Common Pref Stock-2.94-2.9448.750.000.00
Proceedsfrom Stock Options-2.94-2.9448.750.000.00
Issuance or Reduction of Debt, Net0.000.00-2.535.0619.24
Change in Long Term Debt0.000.001.471.0619.24
Issuance of Long Term Debt0.000.001.471.0619.24
Reduction of Long Term Debt0.000.000.000.000.00
Net Financing Active Other Cash Flow0.660.900.930.05-0.89
Other Financing Activities Uses-0.000.00---0.89
Cash from Financing Activities-3.33-0.3647.155.1118.35
Net Change in Cash-19.14-4.0618.61-0.73-3.54
Free Cash Flow2.300.94-1.56-1.112.90
Preferred Dividends (Cash Flow)-0.000.000.000.00
Price to Free Cash Flow36.6381.56---
Federal Home Loan Advances Increase (Decrease)-0.000.00-0.020.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks6.516.356.324.996.035.73
Investments99.41107.97116.75128.87129.97123.30
Net Loans404.71393.36388.36376.39379.29379.61
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment11.8011.8811.7711.6411.7211.82
Interest Receivables2.352.272.332.002.342.21
Deferred Tax Assets2.291.801.772.641.841.97
Other Intangible Assets9.998.468.368.748.2715.11
Total Assets537.06532.12535.69535.31539.50539.81
Total Deposits396.74391.61395.23393.16396.17398.24
Total Debt0.000.000.000.000.000.00
Long Term Debt0.000.000.000.000.000.00
Provision for Risks Charges0.030.030.030.030.010.01
Deferred Tax Liabilities---0.92--
Other Liabilities12.9311.4911.1211.4512.0110.65
Total Liabilities409.69403.12406.38405.55408.20408.91
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity127.37129.00129.31129.76131.30130.90
Total Shareholders Equity127.37129.00129.31129.76131.30130.90
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity127.37129.00129.31129.76131.30130.90
Total Liabilities & Stockholders Equity537.06532.12535.69535.31539.50539.81
Book Value Per Share24.3824.6424.4524.2623.7723.55
Tangible Book Value Per Share24.3824.6424.4524.2623.7723.55
Full-Time Employees---67--
Price to Book Ratio0.720.660.610.630.590.54
Return on Assets0.300.310.820.770.700.49
Return on Equity1.261.273.433.202.862.46
Return on Invested Capital0.250.300.300.420.262.39
Current Ratio11.7914.1816.620.1227.0119.22

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations0.660.740.701.150.52-0.17
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.530.120.34-1.20-0.400.60
Cash from Operating Activities1.190.861.04-0.040.120.43
Capital Expenditures-1.59-0.27-0.30-0.08-0.06-0.18
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.00-0.140.00
Purchase or Sale of Investments2.194.460.042.130.75-3.57
Purchase of Investments-0.99-0.00-3.89-2.87-2.92-7.51
Sale Or Maturity of Investments3.194.473.935.003.673.94
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.006.770.00
Cash from Investing Activities-10.72-0.85-12.224.947.64-7.09
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-0.41-0.82-0.89-2.43-0.510.00
Repurchase of Common Pref Stock-0.41-0.82-0.890.51-0.510.00
Sale of Common Pref Stock0.000.000.00-2.940.000.00
Proceedsfrom Stock Options0.000.000.00-2.940.000.00
Issuance or Reduction of Debt, Net0.000.000.000.000.000.00
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.890.29-0.530.021.500.39
Other Financing Activities Uses0.240.29-0.530.000.620.39
Cash from Financing Activities5.61-4.160.65-5.43-1.074.25
Net Change in Cash-3.92-4.15-10.54-0.536.69-2.41
Free Cash Flow1.100.600.74-0.130.050.25
Price to Free Cash Flow36.6362.7379.7785.18173.9159.66

Revenue breakdown

ATM and Check Card Fees2024: 402.00K 2025: 393.00K
Deposit Service and Account Maintenance Fees2024: 53.00K 2025: 51.00K
Insufficient Funds Fees2024: 164.00K 2025: 161.00K
United States2024: 619.00K 2025: 605.00K

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.17%0.0M4.3M5.85K
2026-10-150.18%0.0M4.3M6.68K
2026-09-300.17%0.0M4.3M6.25K
2026-09-150.14%0.0M4.3M5.94K
2026-08-310.19%0.0M4.3M9.68K
2026-08-140.25%0.0M4.3M9.98K
2026-07-310.21%0.0M4.4M10.01K
2026-07-150.25%0.0M4.4M9.94K
2026-06-300.17%0.0M4.4M9.92K
2026-06-150.20%0.0M4.4M9.83K
2026-05-290.33%0.0M4.4M6.46K
2026-05-150.20%0.0M4.4M6.83K
2026-04-300.17%0.0M4.4M6.63K
2026-04-150.18%0.0M4.4M6.87K
2026-03-310.17%0.0M4.5M7.73K
2026-03-130.15%0.0M4.7M13.81K
2026-02-270.10%0.0M4.7M17.89K
2026-02-130.15%0.0M4.7M20.02K
2026-01-300.14%0.0M4.8M21.48K
2026-01-150.11%0.0M4.8M21.53K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-24SEC
2026-08-14144Filing for proposed sale of securities under Rule 144.SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-06-2911-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-098-KCurrent report2026-06-08SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-08SEC
2026-06-083Initial statement of beneficial ownership of securities2026-06-08SEC
2026-06-083Initial statement of beneficial ownership of securities2026-06-08SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-20144Filing for proposed sale of securities under Rule 144.SEC
2026-05-208-KCurrent report2026-05-18SEC
2026-05-1210-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-04-13DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-05-18SEC
2026-04-014/A2025-08-22SEC
2026-03-304Statement of changes in beneficial ownership of securities2025-08-22SEC
2026-03-243Initial statement of beneficial ownership of securities2025-06-01SEC
2026-03-2410-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-02-17SCHEDULE 13GSEC
2026-02-17SCHEDULE 13GSEC
2026-02-104Statement of changes in beneficial ownership of securities2026-02-09SEC
2026-02-104Statement of changes in beneficial ownership of securities2026-02-09SEC
2026-02-104Statement of changes in beneficial ownership of securities2026-02-09SEC
2026-02-098-KCurrent report2026-02-09SEC
2025-11-1010-QQuarterly report pursuant to Section 13 or 15(d)2025-09-30SEC
2025-09-18144Filing for proposed sale of securities under Rule 144.SEC
2025-09-184Statement of changes in beneficial ownership of securities2025-09-18SEC
2025-09-174Statement of changes in beneficial ownership of securities2025-09-16SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800163.77K2
2026-070000
2026-060000
2026-050040.55K2
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
ALLIANCEBERNSTEIN L.P.6.77%
VANGUARD CAPITAL MANAGEMENT LLC4.30%
MANGROVE PARTNERS IM, LLC2.69%
Stilwell Value LLC1.52%
RENAISSANCE TECHNOLOGIES LLC1.19%
Waverly Advisors, LLC1.00%
Daytona Street Capital LLC0.95%
MORGAN STANLEY0.95%
GEODE CAPITAL MANAGEMENT, LLC0.86%
Arcus Capital Partners, LLC0.70%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.23%
VANGUARD EXTENDED MARKET INDEX FUND1.02%
Fidelity Extended Market Index Fund0.40%
iShares Micro-Cap ETF0.33%
Fidelity Total Market Index Fund0.17%
Fidelity Series Total Market Index Fund0.14%
VANGUARD BALANCED INDEX FUND0.03%
1290 VT Micro Cap Portfolio0.02%
VANGUARD INSTITUTIONAL TOTAL STOCK MARKET INDEX FUND0.02%
U.S. VECTOR EQUITY PORTFOLIO0.02%

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