Fifth District Bancorp, Inc. (FDSB) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Fifth District Bancorp, Inc. $15.92, price $17.82, upside -10.7%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
26‑month range $10.01 – $18.69 · fair‑value band $12.39 – $15.92 · the $17.82 price screens above the $15.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit.
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Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, share loans; and purchases consumer and commercial business loans. In addition, the company offers electronic banking services, such as mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. Fifth District Bancorp, Inc. was founded in 1926 and is based in New Orleans, Louisiana.
Stock analysis
Fifth District Bancorp, Inc. Common Stock (FDSB) currently trades at $17.82, while our model-based Fair Value estimate is $15.92, implying the stock looks roughly 11.9% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $16.60 per share, and 0 of the 4 models we run sit above the $17.82 price.
Bear case: the Multiples group reads lowest at $10.15, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $12.39 (bear) to $15.92 (bull), the price of $17.82 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Fifth District Bancorp, Inc. Common Stock reported revenue of $26.5M in FY2025 versus $15.4M in FY2022, a compound +19.9%/yr. Reported net income was $4.1M in FY2025, compounding +12.0%/yr from FY2022.
Key figures
Market cap $91.7M · P/E ratio 52.4 · P/S ratio 8.09 · EPS (TTM) $0.3400 · Net margin 15.4% · Return on equity 1.3% · Return on assets (EBIT) 0.4% · Operating margin 13.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (medium confidence).
What moves the price
The share trades about 5% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −11%, FDSB screens cheaper than that median.
Fair Value models
Bear $12.39Fair Value $15.92Bull $15.92
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2496 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+37.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.9%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+14.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.9%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 16%
2025 sits 138% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+44.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +40.8% a year for the price.
Compare Fifth District Bancorp, Inc. Common Stock with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−12% · Above median
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)12% · Bottom 25%
Operating margin (TTM)14% · Bottom 25%
Growth and dividend
Revenue growth−42% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Fifth District Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/FDSB
Frequently asked questions
Is Fifth District Bancorp, Inc. (FDSB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $15.92 versus a price of $17.82, about −11% upside (overvalued).
What is the fair value of FDSB?
Our model-based fair value for Fifth District Bancorp, Inc. Common Stock is $15.92 (as of Sep 24, 2026), built from audited fundamentals. The current price: $17.82.
What is the quality score of FDSB?
Fifth District Bancorp, Inc. Common Stock has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fifth District Bancorp, Inc. (FDSB)?
Our model-based price target is the fair value of $15.92 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $12.39, optimistic scenario $15.92. It is a calculation from audited fundamentals, not an analyst target.
What is the Fifth District Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $15.92, about −11% upside versus a price of $17.82 (overvalued). Cautious scenario $12.39, optimistic scenario $15.92. The calculation is refreshed regularly with new filings.
What is the revenue of Fifth District Bancorp, Inc. (FDSB)?
Fifth District Bancorp, Inc. Common Stock reported trailing-twelve-month revenue of about $14.1M (latest available figure, as of Sep 24, 2026).
What growth is priced into Fifth District Bancorp, Inc. (FDSB)?
For today's price to be fair in a discounted-cash-flow model, Fifth District Bancorp, Inc. Common Stock would have to grow free cash flow by +44.2 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +19.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FDSB use?
Our models discount Fifth District Bancorp, Inc. Common Stock at 11.2 %: a base by market capitalisation (micro), damped by beta 0.20, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Fifth District Bancorp, Inc. Common Stock that is +44.2 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Fifth District Bancorp, Inc. (FDSB) delivered so far?
Over the past 3 years revenue at Fifth District Bancorp, Inc. Common Stock grew +19.9 % a year. The price currently implies +44.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Fifth District Bancorp, Inc. (FDSB) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Fifth District Bancorp, Inc. Common Stock (+44.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Fifth District Bancorp, Inc. (FDSB)?
The free-cash-flow yield on the price is 1.03 %: that much free cash flow Fifth District Bancorp, Inc. Common Stock produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fifth District Bancorp, Inc. (FDSB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fifth District Bancorp, Inc. Common Stock it is $15.92 per share (as of Sep 24, 2026), against a price of $17.82. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Fifth District Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FDSB trades above its calculated fair value: price $17.82, fair value $15.92, a gap of about −11% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FDSB?
No. The price is what the market pays today ($17.82); the fair value is what the company's own numbers justify ($15.92). For Fifth District Bancorp, Inc. Common Stock the two are $1.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fifth District Bancorp, Inc. Common Stock worth?
The market values Fifth District Bancorp, Inc. Common Stock at about $91.7M (market capitalisation, as of Sep 24, 2026). Per share that is $17.82; our models calculate a fair value of $15.92 per share.
What do the bullish and bearish scenarios say about FDSB?
Our models span a range for Fifth District Bancorp, Inc. Common Stock: cautious scenario $12.39, base $15.92, optimistic $15.92 per share (as of Sep 24, 2026, price $17.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FDSB?
Fifth District Bancorp, Inc. Common Stock trades at a price-to-earnings ratio of 52.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.92 is built from several models across several years. Other multiples: P/B 0.7, P/S 6.6, EV/EBITDA 18.2.
How solid is the balance sheet of Fifth District Bancorp, Inc. (FDSB)?
Balance-sheet figures for Fifth District Bancorp, Inc. Common Stock (as of Sep 24, 2026): return on equity 1.3%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is FDSB from its 52-week high?
Fifth District Bancorp, Inc. Common Stock trades at $17.82, about 5% below its 52-week high of $18.69 and 37% above the low of $13.05 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $15.92 is for.
Which stocks are comparable to Fifth District Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fifth District Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Sep 24, 2026: price $17.82, calculated fair value $15.92 (−11%), Quality Score 51/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FDSB calculated?
We run Fifth District Bancorp, Inc. Common Stock through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $15.92, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Fifth District Bancorp, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fifth District Bancorp, Inc. (FDSB)?
The closing price on Sep 24, 2026 was $17.82. Our model-based fair value is $15.92, about −11% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fifth District Bancorp, Inc. Common Stock right now?
The price sits above even our optimistic bull case ($15.92). The favourable scenario is already priced in. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Fifth District Bancorp, Inc. Common Stock
How large is the market capitalisation of Fifth District Bancorp, Inc. (FDSB)?
The market capitalisation of Fifth District Bancorp, Inc. Common Stock is $91.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fifth District Bancorp, Inc. (FDSB)?
The price-to-sales ratio of Fifth District Bancorp, Inc. Common Stock is 8.09 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fifth District Bancorp, Inc. (FDSB)?
Earnings per share at Fifth District Bancorp, Inc. Common Stock are $0.3400 (price ÷ EPS = P/E 52.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fifth District Bancorp, Inc. (FDSB)?
The net margin of Fifth District Bancorp, Inc. Common Stock is 15.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fifth District Bancorp, Inc. (FDSB)?
The return on equity (ROE) of Fifth District Bancorp, Inc. Common Stock is 1.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fifth District Bancorp, Inc. (FDSB)?
On an EBIT basis the return on assets of Fifth District Bancorp, Inc. Common Stock is 0.4% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fifth District Bancorp, Inc. (FDSB)?
The operating margin of Fifth District Bancorp, Inc. Common Stock is 13.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fifth District Bancorp, Inc. (FDSB)?
Revenue at Fifth District Bancorp, Inc. Common Stock is growing −42.4% versus a year earlier (3y avg +19.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fifth District Bancorp, Inc. (FDSB)?
Earnings per share at Fifth District Bancorp, Inc. Common Stock are growing −87.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Fifth District Bancorp, Inc. (FDSB) hold?
Fifth District Bancorp, Inc. Common Stock holds more cash than debt, $5.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026