FDSB

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Fifth District Bancorp, Inc.

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Key Metrics

Previous Close: $18.45
52-Week Range: $13.00 – $18.50
Market Cap: $93.88M
P/E (TTM): 54.33
EPS (TTM): 0.33
Dividend Yield: —

Advanced Metrics

Price/Book: 0.73
PEG Ratio: —
Return on Equity: 1.27%
Return on Assets: 0.31%
Gross Margin: 0.00%
Operating Margin: 13.60%
Profit Margin: 11.75%
Current Ratio: —
Debt/Equity: —
Total Debt: $0.00
Free Cash Flow: —
Revenue Growth: -42.40%
Earnings Growth: -87.00%
Enterprise Value: $74.71M

FDSB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$13.73M	$11.02M	$10.07M	$17.28M
Selling, General & Admin	$6.72M	$6.79M	$7.32M	$8.23M
Pretax Income	$3.62M	$946.00K	-$1.44M	$4.18M
Income Tax	$712.43K	$149.00K	-$358.00K	$97.00K
Net Income	$2.91M	$797.00K	-$1.08M	$4.09M
Diluted EPS	0.52	0.14	-0.21	0.80
Diluted Shares	5.56M	5.56M	5.13M	5.12M

FDSB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$20.28M	$19.31M	$37.92M	$33.85M
Receivables	$1.77M	$1.76M	$1.97M	$2.00M
Total Assets	$473.43M	$480.80M	$527.31M	$534.39M
Total Debt	$0.00	$4.00M	$0.00	—
Total Liabilities	$397.36M	$403.00M	$401.53M	$404.64M
Retained Earnings	$83.97M	$84.77M	$83.69M	$86.94M
Shareholders' Equity	$76.07M	$77.80M	$125.78M	$129.76M

FDSB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$3.97M	$796.00K	-$1.05M	$1.33M
Capital Expenditure	-$1.07M	-$1.91M	-$510.00K	-$384.00K
Free Cash Flow	$2.90M	-$1.11M	-$1.56M	$942.00K
Depreciation & Amortisation	$532.93K	$548.00K	$694.00K	$671.00K
Stock-Based Compensation	—	$0.00	$246.00K	$355.00K
Investing Cash Flow	-$25.86M	-$6.64M	-$27.48M	-$5.03M
Financing Cash Flow	$18.35M	$5.11M	$47.15M	-$360.00K
Share Repurchases	—	—	—	-$2.94M
Net Change in Cash	-$3.54M	-$729.00K	$18.61M	-$4.06M

FDSB Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$3.20M	$6.87M	$3.57M	$3.64M	$3.78M
Selling, General & Admin	$1.97M	$2.68M	$1.93M	$1.66M	$2.07M
Pretax Income	$99.00K	$3.04M	$434.00K	$617.00K	$490.00K
Income Tax	$21.00K	-$91.00K	$91.00K	$76.00K	$103.00K
Net Income	$78.00K	$3.13M	$343.00K	$541.00K	$387.00K
Diluted EPS	0.02	0.61	0.07	—	0.08
Diluted Shares	5.14M	5.14M	5.14M	—	4.91M

FDSB Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$30.10M	$27.69M	$34.38M	$33.85M	$23.31M
Receivables	$2.22M	$2.21M	$2.34M	$2.00M	$2.33M
Total Assets	$531.07M	$539.81M	$539.50M	$534.39M	$535.69M
Total Liabilities	$403.81M	$408.91M	$408.20M	$404.64M	$406.38M
Retained Earnings	$83.77M	$86.90M	$87.10M	$86.94M	$87.03M
Shareholders' Equity	$127.26M	$130.90M	$131.30M	$129.76M	$129.31M

FDSB Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$823.00K	$430.00K	$117.00K	-$44.00K	$1.04M
Capital Expenditure	-$58.00K	-$181.00K	-$63.00K	-$82.00K	-$301.00K
Free Cash Flow	$765.00K	$249.00K	$54.00K	-$126.00K	$736.00K
Depreciation & Amortisation	$170.00K	$167.00K	$168.00K	$166.00K	$164.00K
Stock-Based Compensation	$70.00K	$68.00K	$75.00K	$142.00K	$221.00K
Investing Cash Flow	-$10.53M	-$7.09M	$7.64M	$4.94M	-$12.22M
Financing Cash Flow	$1.90M	$4.25M	-$1.07M	-$5.43M	$647.00K
Share Repurchases	$0.00	—	—	-$2.43M	-$893.00K
Net Change in Cash	-$7.81M	-$2.41M	$6.69M	-$528.00K	-$10.54M

Market Snapshot

About

Fifth District Bancorp, Inc. is the bank holding company for Fifth District Savings Bank, a community-focused financial institution serving Virginia. The bank provides traditional banking services including deposit products, residential mortgages, commercial real estate loans, and consumer lending. Fifth District emphasizes relationship banking with personalized service and local market expertise. The company focuses on serving individuals, families, and small to medium-sized businesses in its market areas. Conservative underwriting practices and community engagement are central to the bank's operating approach.