Fifth District Bancorp, Inc (FDSB) Fair Value & Analysis

Financial Services · US · Market cap $84.2M

A solid business, but screening 44% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($12.62). The favourable scenario is already priced in.
• Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (2 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

24‑month range $10.01 – $17.91 · fair‑value band $7.57 – $12.62 · the $17.86 price screens above the $10.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Fifth District Bancorp, Inc (FDSB) currently trades at $17.86, while our model-based Fair Value estimate is $10.09, implying the stock looks roughly 43.5% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Fifth District Bancorp, Inc generated revenue of $17.0M at a net margin of 25.9%. Revenue grew 18.1% year over year. It earns a return on equity of 3.4%. The balance sheet holds a net cash position of $5.0M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $7.57 (bear case) to $12.62 (bull case); at $17.86, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -44%, FDSB screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($16.51) versus Multiples ($10.09). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2025 · reported fiscal years

Fifth District Bancorp, Inc 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.

FDSB screens 44% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1082 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.