Fifth District Bancorp, Inc. Common Stock (FDSB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Fifth District Bancorp, Inc. Common Stock stock (FDSB) is currently trading at $14.58. Fifth District Bancorp, Inc. Common Stock PE ratio is 20.29. Fifth District Bancorp, Inc. Common Stock PS ratio (Price-to-Sales) is 5.01. WallStSmart rates FDSB as Hold.
- FDSB PE ratio analysis and historical PE chart
- FDSB PS ratio (Price-to-Sales) history and trend
- FDSB intrinsic value — DCF, Graham Number, EPV models
- FDSB stock price prediction 2025 2026 2027 2028 2029 2030
- FDSB fair value vs current price
- FDSB insider transactions and insider buying
- Is FDSB undervalued or overvalued?
- Fifth District Bancorp, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- FDSB Piotroski F-Score and Altman Z-Score
- FDSB analyst price target and Smart Rating
Fifth District Bancorp, Inc.
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FDSB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Fifth District Bancorp, Inc. Common Stock (FDSB)
FDSB trades at a significant discount to its Graham intrinsic value of $33.70, offering a 55% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Fifth District Bancorp, Inc. Common Stock (FDSB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, eps growth, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Fifth District Bancorp, Inc. Common Stock (FDSB) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 394.60% year-over-year
Keeps $23 of every $100 in revenue as net profit
Fifth District Bancorp, Inc. Common Stock (FDSB) Areas to Watch (6)
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Thin operating margins with cost pressures present
Premium valuation at 5.0x annual revenue
Solid revenue growth at 10.10% per year
Moderate institutional interest at 30.11%
Supporting Valuation Data
Fifth District Bancorp, Inc. Common Stock (FDSB) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Profit Margin. Valuation metrics including Price/Book (0.61) suggest the stock is attractively priced. Profitability is solid with Profit Margin at 23.00%. Growth metrics are encouraging with EPS Growth at 394.60%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Operating Margin. Some valuation metrics including Price/Sales (5.01) suggest expensive pricing. Growth concerns include Revenue Growth at 10.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 2.86%, Operating Margin at 13.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.86% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, EPS Growth) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FDSB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FDSB's Price-to-Sales ratio of 5.01x trades at a 21% premium to its historical average of 4.13x (73th percentile). The current valuation is 3% below its historical high of 5.15x set in Feb 2026, and 52% above its historical low of 3.3x in Sep 2024. Over the past 12 months, the PS ratio has expanded from ~3.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Fifth District Bancorp, Inc. Common Stock (FDSB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Fifth District Bancorp, Inc. Common Stock is a mature, profitable business with steady cash generation. Revenue reached 16M with 10% growth year-over-year. Profit margins are strong at 23.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 286.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 54,000 in free cash flow and 117,000 in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Fifth District Bancorp, Inc. Common Stock.
Bottom Line
Fifth District Bancorp, Inc. Common Stock is a well-established business delivering consistent profitability with 23.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:25:31 AM
About Fifth District Bancorp, Inc. Common Stock(FDSB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Fifth District Bancorp, Inc. (FDSB) is a forward-thinking financial institution committed to delivering a diverse range of banking services tailored to the unique needs of individuals and businesses within its operating communities. With a strong emphasis on community engagement and sustainable growth, FDSB employs innovative financial solutions and a customer-centric approach to foster loyalty and drive results. The bank's solid capital base and disciplined risk management framework position it well to navigate economic volatility while capitalizing on strategic expansion opportunities. Institutional investors can expect a steadfast commitment to enhancing shareholder value through initiatives focused on improving financial performance and operational efficiency.