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Fifth District Bancorp(NASDAQ) FDSB

Current Price$17.14
Market Cap$90.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2024)+68%
5 YearN/A
1 Year+33%
1 Month+8%
Fifth District Bancorp last closing stock price
MetricPriceDate
Last closeUSD 17.182026-07-23
Fifth District Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.89%USD 17.882026-07-16
1 month+7.78%USD 15.942026-06-23
3 month+13.77%USD 15.102026-04-24
Year to date+14.53%USD 15.002025-12-31
1 year+32.69%USD 12.952025-07-23
Since inception+67.61%USD 10.252024-08-01

Fifth District Bancorp Financials at a Glance

Market Cap

$90.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$26.90M

Net Income (TTM)

$4.40M

EPS (TTM)

$0.85

P/E Ratio

20.11

Dividend

$0.00

Beta (Volatility)

-0.01 (Low)

Price

$17.14

Volume

102

Open

$17.03

Previous Close

$17.14

Daily Range

$17.03 - $17.14

52-Week Range

$13.00 - $18.00

Estimated Earnings Date

May 12, 2026

FDSB News

No articles available.

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About Fifth District Bancorp

Fifth District Savings Bank helps people manage money and buy homes. It offers checking accounts and home loans for local families. Customers use its services to save, borrow, and pay bills easily.

Money Moves: Products and Services

  • Deposit Accounts: Checking, savings, money market, and certificates of deposit for individuals and businesses (deposit products are main funding source).
  • Residential Mortgage Loans: Fixed-rate loans for buying or refinancing homes; 86.3% of total loans in 2025.
  • Home Equity Loans and Lines: Borrowing against home value for renovations or expenses; 2.7% of total loans in 2025.
  • Commercial Real Estate, Commercial and Industrial Loans, and Loan Participations: 6.6% of total loans in 2025.
  • Electronic Banking: Mobile, online, and telephone banking, plus bill pay and electronic transfers for convenience.

Branching Out: Growth and Expansion

  • Focused on organic growth in the New Orleans area since 1926.
  • Expanded commercial loan portfolio in 2025, including purchased loans from Bankers Healthcare Group.
  • Launched a stock repurchase program in August 2025, buying back 173,711 shares in Q4 2025.
  • No new branches opened in 2025; all seven offices remain locally owned and operated.

Why Fifth District Stands Out

The bank keeps all its loans in-house, offering direct service and control. It relies on stable, local deposits instead of outside funding. Conservative lending and strong capital levels help it weather local economic changes.

Five Things You Need to Know

  • Revenue was $6 million in Q3 2025, up 8.7% from Q3 2024.
  • Net income reached $4.1 million in 2025, reversing a $1.1 million loss in 2024.
  • Return on average assets improved to 0.76% in 2025 from -0.21% in 2024.
  • Deposits totaled $393.2 million at year-end 2025, up 0.4% from 2024.
  • Capital ratios far exceed regulatory minimums, with Tier 1 capital at 21.07% in 2025.

Bottom Line

Fifth District Savings Bank has grown steadily by focusing on local customers and conservative lending. Its strong capital and stable deposits support resilience in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

67

CEO

Amie L. Lyons

Website

www.fifthdistrict.com

Headquarters

New Orleans, LA 70114, US

FDSB Financials

Key Financial Metrics (TTM)

Gross Margin

66.35%

Operating Margin

17.01%

Net Income Margin

16.35%

Return on Equity

3.37%

Return on Capital

3.23%

Return on Assets

0.82%

Earnings Yield

4.97%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$90.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.26M

Volume

102

Avg. Volume

9.94K

Financials (TTM)

Gross Profit

$17.85M

Operating Income

$4.58M

EBITDA

$5.24M

Operating Cash Flow

$1.54M

Capital Expenditure

-$627.00K

Free Cash Flow

$913.00K

Cash & ST Invst.

$23.31M

Total Debt

$0.00

Fifth District Bancorp Performance Analysis

Fifth District Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 15,351,474N/A
20232023-12-31USD 17,386,33013.3%
20242024-12-31USD 19,147,00010.1%
20252025-12-31USD 26,488,00038.3%
Fifth District Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3068.1%
Q32025-09-30-35.6%
Q42025-12-31-0.4%
Q12026-03-31-0.3%
Fifth District Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.52N/A
20232023-12-31USD 0.14-72.6%
20242024-12-31USD -0.21N/A
20252025-12-31USD 0.80N/A
Fifth District Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302950.0%
Q32025-09-30-89.1%
Q42025-12-3149.9%
Q12026-03-31-24.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$5.88M

+7.5%

Gross Profit

$3.78M

+18.1%

Gross Margin

64.24%

N/A

Market Cap

$90.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.35M

N/A

Employees

67

N/A

Net Income

$387.00K

+396.2%

EBITDA

$654.00K

+143.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$23.31M

-81.5%

Total Debt

$0.00

N/A

Accounts Receivable

$1.80M

-18.6%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.82%

N/A

Return on Invested Capital

3.26%

N/A

Free Cash Flow

$736.00K

-3.8%

Operating Cash Flow

$1.04M

+26.0%

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Questions About FDSB

What is the current price of Fifth District Bancorp?

Fifth District Bancorp is trading at $17.14 per share.

What is the 52-week range for Fifth District Bancorp?

Over the past 52 weeks, Fifth District Bancorp has traded between $13.00 and $18.00.

How much debt does Fifth District Bancorp have?

As of the most recent reporting period, Fifth District Bancorp reported total debt of $0.00.

How much cash does Fifth District Bancorp have on hand?

Fifth District Bancorp does not have cash on hand data available.

What is Fifth District Bancorp’s dividend yield?

Fifth District Bancorp does not currently have a dividend yield.

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