Fifth District Bancorp

NAQ:FDSB · US3169261043

BanksX-Small

360

Medium confidence — indicative

Value62

Profit price29

Cash yield1

Sales & asset price52

Price/Sales16

EV / Gross Profit42

Price/Book97

Quality51

Returns on capital46

Profit margins—

Cash backing47

Cash Conversion16

Accruals51

Owner Earnings Margin73

Growth34

Sales growth63

Profit growth75

Profit Growth65

Owner Earnings Growth84

Reinvestment82

Price momentum23

Safety81

Debt load72

Debt serviceability1

Liquidity38

Sentiment52

Analyst ratings—

Expectations trend—

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Fifth District Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2024

ISINUS3169261043

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

Consumer LendingBankingFinanceLending

Description

Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank (Fifth District) that provides various banking products and services. The company conducts its business from its main office and various branch offices…

Analysis

Middle-of-the-road

Fifth District Bancorp, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 18.4×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →