Fifth District Bancorp Inc. Common Stock (FDSB)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a 66-employee community bank with Graham's question first: what is proven? Fifth District Bancorp swung from a FY2024 net loss of $1.1M and EPS of -$0.21 to FY2025 net income of $4.1M and EPS of $0.80—a real turnaround. FairStock labels it a TURNAROUND because it returned to profit after a loss within the last three years. But consistency is thin. Filed quarters show net income of $343,000 in fiscal Q3 2025, $387,000 in fiscal Q1 2026, and $384,000 in fiscal Q2 2026, while fiscal Q2 2025 shows $3.1M; that is not a smooth earnings stream. At the 2026-10-26 close of $17.48, FairStock calculates a P/E of 51.40, P/B of 0.71, ROE of 1.27%, ROCE of 0.31%, Piotroski F-Score of 5/9, and a FairStock score of 54/100. The P/B says the market doubts book value; the P/E says current earnings do not support the price. A PEG of 0.21 is flattering only because it leans on a rebound, and the 0.00% dividend gives no cash return. The balance-sheet risk that matters for a bank—CET1, net interest margin, nonperforming assets, charge-offs, and loan-loss reserves—is not in the data, so I cannot underwrite credit quality. Filed FY2025 revenue was $605,000 versus $619,000 in FY2024, so I would not rely on the quoted revenue growth. This is a low-beta, small mortgage-focused bank, but not yet a high-quality compounder.

In plain English: Fifth District Bancorp is a small bank holding company with 66 employees that mainly takes deposits and makes mortgage loans. It swung from a loss to a small profit, but the profit is still thin and the share price looks inexpensive compared with its accounting value and expensive compared with current earnings. The business looks stable but unproven, and key bank safety details are missing from the data.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer