Fifth District Bancorp (FDSB) Stock Price, News & Analysis

Company Overview

Fifth District Bancorp is a bank holding company headquartered in Vienna, Virginia. Through its principal subsidiary, Fifth District Bank, the company offers a full suite of commercial and retail banking services designed to meet the needs of individuals, small businesses and middle-market enterprises. Operating under a national bank charter, Fifth District Bancorp focuses on relationship-driven service, providing its clients with personalized financial solutions and responsive customer support.

The bank’s core business activities include deposit-taking, commercial and industrial lending, mortgage banking, and wealth management. Retail offerings range from checking and savings accounts to personal and home equity loans, while commercial services cover lines of credit, term loans and treasury management solutions. In addition, Fifth District Bancorp provides trust and fiduciary services, investment advisory, and cash management tools tailored to both local business owners and high-net-worth individuals.

Fifth District Bancorp was originally incorporated in 2006 under the name Virginia Commerce Bancorp and completed its initial public offering in 2011. Since its inception, the company has sought to foster strong community relationships by reinvesting locally and maintaining an emphasis on small-business lending. Over the years, it has expanded its footprint while preserving the community bank ethos that underpins its lending philosophy.

The bank operates a network of branches and lending centers across Northern Virginia and the greater Washington, D.C. metropolitan area, including Fairfax County, Loudoun County and Prince William County. By combining a regional focus with digital banking capabilities, Fifth District Bancorp aims to deliver convenient, technology-driven financial services alongside the personal attention characteristic of a community bank.

Key Stats

• Today's Range: $18.20 to $18.42
• 50-Day Range: $15.73 to $18.36
• 52-Week Range: $13.00 to $18.50
• Volume: 11,891 shs
• Average Volume: 8,256 shs
• Market Capitalization: $95.24 million
• P/E Ratio: 53.50
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

Fifth District Bancorp Stock Analysis - MarketRank™

Fifth District Bancorp scored higher than 22% of companies evaluated by MarketBeat, and ranked 754th out of 837 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Fifth District Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Fifth District Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Fifth District Bancorp is 54.12, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 39.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fifth District Bancorp is 54.12, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 29.81.

Price to Book Value per Share Ratio

Fifth District Bancorp has a P/B Ratio of 0.78. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.19% of the float of Fifth District Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Fifth District Bancorp has a short interest ratio ("days to cover") of 1.32, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Fifth District Bancorp has recently decreased by 14.92%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Fifth District Bancorp does not currently pay a dividend.

Dividend Growth

Fifth District Bancorp does not have a long track record of dividend growth.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Fifth District Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

8.60% of the stock of Fifth District Bancorp is held by insiders.

Percentage Held by Institutions

Fifth District Bancorp has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 8/10/2026
• Today: 8/24/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FDSB
• Previous Symbol: NASDAQ:FDSB
• CIK: 2012726
• Web: www.fifthdistrict.com
• Phone: 514-362-7544
• Fax: N/A
• Employees: N/A
• Year Founded: 1926

Profitability

• EPS (Trailing Twelve Months): $0.34
• Trailing P/E Ratio: 53.51
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $4.09 million
• Net Margins: 6.97%
• Pretax Margin: 8.54%
• Return on Equity: 1.27%
• Return on Assets: 0.31%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $14.95 million
• Price / Sales: 6.37
• Cash Flow: $0.87 per share
• Price / Cash Flow: 20.93
• Book Value: $23.50 per share
• Price / Book: 0.77

Miscellaneous

• Outstanding Shares: 5,236,000
• Free Float: 4,786,000
• Market Cap: $95.25 million
• Optionable: N/A
• Beta: 0.20