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Fifth District Bancorp (FDSB) Financials

Fifth District Bancorp logo
$17.88 +0.13 (+0.73%)
Closing price 04:00 PM Eastern
Extended Trading
$17.86 -0.02 (-0.14%)
As of 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Fifth District Bancorp

Annual Income Statements for Fifth District Bancorp

This table shows Fifth District Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.80 -1.08 4.09
Consolidated Net Income / (Loss)		 0.80 -1.08 4.09
Net Income / (Loss) Continuing Operations		 0.80 -1.08 4.09
Total Pre-Tax Income 		0.95 -1.44 4.19
Total Revenue		 11 10 17
Net Interest Income / (Expense)		 10 10 13
Total Interest Income		 16 19 22
Loans and Leases Interest Income		 14 15 17
Investment Securities Interest Income		 1.69 2.57 4.08
Other Interest Income		 0.61 1.45 1.13
Total Interest Expense		 6.37 9.22 9.21
Deposits Interest Expense		 6.27 9.22 9.21
Short-Term Borrowings Interest Expense		 0.09 0.00 0.00
Total Non-Interest Income		 0.97 0.01 4.43
Other Service Charges		 0.66 0.66 0.64
Net Realized & Unrealized Capital Gains on Investments		 0.00 -1.00 3.48
Other Non-Interest Income		 0.31 0.35 0.30
Provision for Credit Losses		 -0.33 -1.21 0.01
Total Non-Interest Expense		 10 13 13
Salaries and Employee Benefits		 5.95 6.71 7.67
Net Occupancy & Equipment Expense		 2.73 3.00 3.33
Marketing Expense		 0.26 0.13 0.11
Property & Liability Insurance Claims		 0.35 0.40 0.55
Other Operating Expenses		 1.11 2.48 1.43
Income Tax Expense		 0.15 -0.36 0.10
Basic Earnings per Share		 $0.00 ($0.21) $0.80
Weighted Average Basic Shares Outstanding		 - 5.56M 5.29M
Diluted Earnings per Share		 $0.00 ($0.21) $0.80
Weighted Average Diluted Shares Outstanding		 - 5.56M 5.29M
Weighted Average Basic & Diluted Shares Outstanding		 - 5.56M 5.29M

Quarterly Income Statements for Fifth District Bancorp

This table shows Fifth District Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.04 -1.13 0.68 -0.79 0.16 0.08 3.13 0.34 0.54 0.39
Consolidated Net Income / (Loss)		 0.04 -1.13 0.68 -0.79 0.16 0.08 3.13 0.34 0.54 0.39
Net Income / (Loss) Continuing Operations		 0.04 -1.13 0.68 -0.79 0.16 0.08 3.13 0.34 0.54 0.39
Total Pre-Tax Income 		0.05 -1.43 0.87 -1.00 0.13 0.10 3.04 0.43 0.62 0.49
Total Revenue		 2.60 1.15 2.67 3.14 3.11 3.20 6.87 3.57 3.64 3.78
Net Interest Income / (Expense)		 2.35 2.05 2.27 2.88 2.85 2.94 3.15 3.35 3.42 3.55
Total Interest Income		 4.16 4.30 4.64 5.19 5.14 5.21 5.48 5.69 5.68 5.65
Loans and Leases Interest Income		 3.61 3.70 3.81 3.86 3.88 4.02 4.21 4.30 4.32 4.43
Investment Securities Interest Income		 0.42 0.40 0.51 0.77 0.90 0.90 1.02 1.11 1.06 1.04
Other Interest Income		 0.13 0.20 0.32 0.56 0.37 0.29 0.26 0.28 0.30 0.18
Total Interest Expense		 1.80 2.25 2.37 2.31 2.29 2.27 2.33 2.35 2.26 2.10
Deposits Interest Expense		 1.76 2.25 2.37 2.31 2.29 2.27 2.33 2.35 2.26 2.10
Total Non-Interest Income		 0.25 -0.90 0.40 0.25 0.26 0.26 3.72 0.23 0.22 0.23
Other Service Charges		 0.16 0.16 0.16 0.16 0.18 0.16 0.15 0.16 0.18 0.16
Net Realized & Unrealized Capital Gains on Investments		 0.00 -1.14 0.14 0.00 - 0.01 3.47 0.00 - 0.00
Other Non-Interest Income		 0.09 0.08 0.10 0.09 0.08 0.09 0.10 0.07 0.05 0.07
Total Non-Interest Expense		 2.65 2.68 2.81 4.24 2.98 3.10 3.83 3.14 3.01 3.29
Salaries and Employee Benefits		 1.53 1.56 1.61 1.77 1.76 1.82 2.54 1.78 1.53 1.91
Net Occupancy & Equipment Expense		 0.71 0.72 0.78 0.74 0.75 0.80 0.79 0.79 0.95 0.85
Marketing Expense		 0.06 0.03 0.05 0.03 0.03 0.02 0.03 0.03 0.04 0.04
Property & Liability Insurance Claims		 0.10 0.09 0.09 0.11 0.12 0.11 0.13 0.17 0.13 0.16
Other Operating Expenses		 0.26 0.28 0.29 1.59 0.32 0.35 0.35 0.37 0.36 0.34
Income Tax Expense		 0.01 -0.30 0.18 -0.21 -0.03 0.02 -0.09 0.09 0.08 0.10
Basic Earnings per Share		 $0.00 $0.00 $0.00 ($0.15) ($0.06) $0.02 $0.61 $0.07 $0.10 $0.08
Weighted Average Basic Shares Outstanding		 - - 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M
Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($0.15) ($0.06) $0.02 $0.61 $0.07 $0.10 $0.08
Weighted Average Diluted Shares Outstanding		 - - 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M
Weighted Average Basic & Diluted Shares Outstanding		 - - 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M

Annual Cash Flow Statements for Fifth District Bancorp

This table details how cash moves in and out of Fifth District Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.73 19 -4.06
Net Cash From Operating Activities		 0.80 -1.05 1.33
Net Cash From Continuing Operating Activities		 0.80 -1.05 1.33
Net Income / (Loss) Continuing Operations		 0.80 -1.08 4.09
Consolidated Net Income / (Loss)		 0.80 -1.08 4.09
Provision For Loan Losses		 -0.33 -1.21 0.01
Depreciation Expense		 0.55 0.69 0.67
Amortization Expense		 0.31 0.24 0.07
Non-Cash Adjustments to Reconcile Net Income		 -0.20 0.47 -3.39
Changes in Operating Assets and Liabilities, net		 -0.33 -0.16 -0.12
Net Cash From Investing Activities		 -6.64 -27 -5.03
Net Cash From Continuing Investing Activities		 -6.64 -27 -5.03
Purchase of Property, Leasehold Improvements and Equipment		 -1.91 -0.51 -0.38
Purchase of Investment Securities		 -16 -56 -27
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.51 0.00
Sale and/or Maturity of Investments		 11 28 23
Net Cash From Financing Activities		 5.11 47 -0.36
Net Cash From Continuing Financing Activities		 5.11 47 -0.36
Net Change in Deposits		 1.06 1.47 1.69
Issuance of Common Equity		 0.00 49 -2.94
Repayment of Debt		 - -4.00 0.00
Other Financing Activities, Net		 0.05 0.93 0.90
Cash Interest Paid		 5.79 8.98 9.28

Quarterly Cash Flow Statements for Fifth District Bancorp

This table details how cash moves in and out of Fifth District Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 2.22 3.18 17 9.59 -12 3.83 -7.81 -2.41 6.69 -0.53 -11
Net Cash From Operating Activities		 0.39 -0.54 -0.77 -0.39 0.73 -0.63 0.82 0.43 0.12 -0.04 1.04
Net Cash From Continuing Operating Activities		 0.39 -0.54 -0.77 -0.39 0.73 -0.63 0.82 0.43 0.12 -0.04 1.04
Net Income / (Loss) Continuing Operations		 0.04 0.18 -1.13 0.68 -0.79 0.16 0.08 3.13 0.34 0.54 0.39
Consolidated Net Income / (Loss)		 0.04 0.18 -1.13 0.68 -0.79 0.16 0.08 3.13 0.34 0.54 0.39
Depreciation Expense		 0.14 0.14 0.17 0.19 0.17 0.17 0.17 0.17 0.17 0.17 0.16
Amortization Expense		 0.07 0.07 0.08 0.04 0.12 0.01 0.00 0.03 0.01 0.03 0.01
Non-Cash Adjustments to Reconcile Net Income		 -0.09 0.05 1.05 -0.25 0.02 -0.36 -0.30 -3.50 -0.00 0.41 0.14
Changes in Operating Assets and Liabilities, net		 0.33 -0.75 -0.83 -0.05 1.33 -0.61 0.87 0.60 -0.40 -1.20 0.34
Net Cash From Investing Activities		 -0.13 -0.09 13 -19 -19 -1.84 -11 -7.09 7.64 4.94 -12
Net Cash From Continuing Investing Activities		 -0.13 -0.09 13 -19 -19 -1.84 -11 -7.09 7.64 4.94 -12
Purchase of Property, Leasehold Improvements and Equipment		 -0.28 -0.70 -0.34 -0.12 -0.02 -0.03 -0.06 -0.18 -0.06 -0.08 -0.30
Purchase of Investment Securities		 -2.41 -1.68 -6.72 -21 -22 -5.82 -14 -11 -2.59 0.02 -16
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 0.51 - -0.00 0.14 0.00 - -0.14 0.00
Sale and/or Maturity of Investments		 2.55 2.30 20 1.63 2.67 4.01 3.41 3.95 10 5.15 3.93
Net Cash From Financing Activities		 1.97 3.80 5.41 29 6.46 6.30 1.90 4.25 -1.08 -5.43 0.65
Net Cash From Continuing Financing Activities		 1.97 3.80 5.41 29 6.46 6.30 1.90 4.25 -1.08 -5.43 0.65
Net Change in Deposits		 -3.68 4.63 10 28 -44 7.35 2.91 3.86 -2.07 -3.01 2.07
Repurchase of Common Equity		 - - - - - - 0.00 - - - -0.89
Other Financing Activities, Net		 1.65 -0.83 -0.97 0.77 2.19 -1.06 -1.01 0.39 1.51 0.02 -0.53
Cash Interest Paid		 1.70 1.89 2.14 2.34 2.25 2.25 2.35 2.27 2.34 2.31 2.29

Annual Balance Sheets for Fifth District Bancorp

This table presents Fifth District Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Total Assets		 481 527 534
Cash and Due from Banks		 4.59 5.85 4.99
Interest Bearing Deposits at Other Banks		 15 32 29
Trading Account Securities		 68 93 99
Loans and Leases, Net of Allowance		 365 367 376
Loans and Leases		 368 369 378
Allowance for Loan and Lease Losses		 2.80 1.70 1.70
Accrued Investment Income		 1.76 1.97 2.00
Premises and Equipment, Net		 12 12 12
Other Assets		 14 15 11
Total Liabilities & Shareholders' Equity		 481 527 534
Total Liabilities		 403 402 405
Non-Interest Bearing Deposits		 0.80 1.62 1.80
Interest Bearing Deposits		 394 395 398
Other Long-Term Liabilities		 4.64 4.78 5.30
Total Equity & Noncontrolling Interests		 78 126 130
Total Preferred & Common Equity		 78 126 130
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 78 126 130
Common Stock		 0.00 53 51
Retained Earnings		 85 84 87
Accumulated Other Comprehensive Income / (Loss)		 -6.97 -6.91 -4.43
Other Equity Adjustments		 0.00 -4.23 -4.01

Quarterly Balance Sheets for Fifth District Bancorp

This table presents Fifth District Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 516 524 531 540 540 536
Cash and Due from Banks		 2.38 5.57 5.45 5.73 6.03 6.32
Interest Bearing Deposits at Other Banks		 44 29 25 22 28 17
Trading Account Securities		 72 94 96 100 101 99
Loans and Leases, Net of Allowance		 368 368 376 380 379 388
Loans and Leases		 370 369 378 381 381 390
Allowance for Loan and Lease Losses		 1.70 1.70 1.70 1.70 1.70 1.70
Accrued Investment Income		 2.07 2.15 2.22 2.21 2.34 2.33
Premises and Equipment, Net		 12 12 12 12 12 12
Other Assets		 15 14 14 18 11 11
Total Liabilities & Shareholders' Equity		 516 524 531 540 540 536
Total Liabilities		 438 396 404 409 408 406
Non-Interest Bearing Deposits		 33 0.96 1.46 1.56 1.36 1.55
Interest Bearing Deposits		 399 389 397 401 401 399
Other Long-Term Liabilities		 5.24 5.47 5.16 6.01 5.87 5.50
Total Equity & Noncontrolling Interests		 78 128 127 131 131 129
Total Preferred & Common Equity		 78 128 127 131 131 129
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 78 128 127 131 131 129
Common Stock		 - 53 53 53 53 51
Retained Earnings		 84 84 84 87 87 87
Accumulated Other Comprehensive Income / (Loss)		 -6.29 -4.51 -5.57 -5.13 -4.64 -4.59
Other Equity Adjustments		 - -4.34 -4.17 -4.12 -4.06 -3.95

Annual Metrics And Ratios for Fifth District Bancorp

This table displays calculated financial ratios and metrics derived from Fifth District Bancorp's official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 5,559,473.00 5,522,750.00
DEI Adjusted Shares Outstanding		 0.00 5,559,473.00 5,522,750.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 -0.19 0.74
Growth Metrics		 - - -
Revenue Growth		 0.00% -8.66% 71.63%
EBITDA Growth		 0.00% -128.01% 1,076.04%
EBIT Growth		 0.00% -251.80% 391.43%
NOPAT Growth		 0.00% -226.12% 506.69%
Net Income Growth		 0.00% -235.26% 479.22%
EPS Growth		 0.00% 0.00% 480.95%
Operating Cash Flow Growth		 0.00% -232.41% 225.81%
Free Cash Flow Firm Growth		 0.00% 0.00% 100.24%
Invested Capital Growth		 0.00% 53.76% 3.17%
Revenue Q/Q Growth		 0.00% 0.00% 3.18%
EBITDA Q/Q Growth		 0.00% 0.00% 11.42%
EBIT Q/Q Growth		 0.00% 0.00% 13.17%
NOPAT Q/Q Growth		 0.00% 0.00% 10.31%
Net Income Q/Q Growth		 0.00% 0.00% 10.31%
EPS Q/Q Growth		 0.00% 0.00% 25.00%
Operating Cash Flow Q/Q Growth		 0.00% -10.02% 79.92%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% -1.17%
Profitability Metrics		 - - -
EBITDA Margin		 16.36% -5.02% 28.53%
EBIT Margin		 8.58% -14.26% 24.22%
Profit (Net Income) Margin		 7.23% -10.71% 23.66%
Tax Burden Percent		 84.25% 75.07% 97.68%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 15.75% 0.00% 2.32%
Return on Invested Capital (ROIC)		 0.97% -0.97% 3.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.97% -4.61% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.05% -0.09% 0.00%
Return on Equity (ROE)		 1.02% -1.06% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% -43.34% 0.08%
Operating Return on Assets (OROA)		 0.20% -0.28% 0.79%
Return on Assets (ROA)		 0.17% -0.21% 0.77%
Return on Common Equity (ROCE)		 1.02% -1.06% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 1.02% -0.86% 3.15%
Net Operating Profit after Tax (NOPAT)		 0.80 -1.01 4.09
NOPAT Margin		 7.23% -9.99% 23.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 3.64% 0.00%
SG&A Expenses to Revenue		 81.07% 97.74% 64.28%
Operating Expenses to Revenue		 94.37% 126.28% 75.72%
Earnings before Interest and Taxes (EBIT)		 0.95 -1.44 4.19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.80 -0.51 4.93
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.70 0.56 0.64
Price to Tangible Book Value (P/TBV)		 0.70 0.56 0.64
Price to Revenue (P/Rev)		 4.95 6.97 4.79
Price to Earnings (P/E)		 68.50 0.00 20.26
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 1.46% 0.00% 4.93%
Enterprise Value to Invested Capital (EV/IC)		 0.48 0.26 0.38
Enterprise Value to Revenue (EV/Rev)		 3.56 3.20 2.84
Enterprise Value to EBITDA (EV/EBITDA)		 21.79 0.00 9.94
Enterprise Value to EBIT (EV/EBIT)		 41.53 0.00 11.71
Enterprise Value to NOPAT (EV/NOPAT)		 49.30 0.00 11.98
Enterprise Value to Operating Cash Flow (EV/OCF)		 49.36 0.00 36.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 462.16
Leverage & Solvency		 - - -
Debt to Equity		 0.05 0.00 0.00
Long-Term Debt to Equity		 0.05 0.00 0.00
Financial Leverage		 0.05 0.02 0.00
Leverage Ratio		 6.18 4.95 4.15
Compound Leverage Factor		 6.18 4.95 4.15
Debt to Total Capital		 4.89% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 4.89% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.11% 100.00% 100.00%
Debt to EBITDA		 2.22 0.00 0.00
Net Debt to EBITDA		 -8.49 0.00 0.00
Long-Term Debt to EBITDA		 2.22 0.00 0.00
Debt to NOPAT		 5.02 0.00 0.00
Net Debt to NOPAT		 -19.20 0.00 0.00
Long-Term Debt to NOPAT		 5.02 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -45 0.11
Operating Cash Flow to CapEx		 41.72% -105,400.00% 345.31%
Free Cash Flow to Firm to Interest Expense		 0.00 -4.88 0.01
Operating Cash Flow to Interest Expense		 0.13 -0.11 0.14
Operating Cash Flow Less CapEx to Interest Expense		 -0.17 -0.11 0.10
Efficiency Ratios		 - - -
Asset Turnover		 0.02 0.02 0.03
Fixed Asset Turnover		 0.88 0.83 1.47
Capital & Investment Metrics		 - - -
Invested Capital		 82 126 130
Invested Capital Turnover		 0.13 0.10 0.14
Increase / (Decrease) in Invested Capital		 0.00 44 3.98
Enterprise Value (EV)		 39 32 49
Market Capitalization		 55 70 83
Book Value per Share		 $14.25 $22.62 $23.50
Tangible Book Value per Share		 $14.25 $22.62 $23.50
Total Capital		 82 126 130
Total Debt		 4.00 0.00 0.00
Total Long-Term Debt		 4.00 0.00 0.00
Net Debt		 -15 -38 -34
Capital Expenditures (CapEx)		 1.91 0.00 0.38
Net Nonoperating Expense (NNE)		 0.00 0.07 0.00
Net Nonoperating Obligations (NNO)		 4.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.86 0.93 0.74
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 ($0.21) $0.80
Adjusted Weighted Average Basic Shares Outstanding		 0.00 5.56M 5.29M
Adjusted Diluted Earnings per Share		 $0.00 ($0.21) $0.80
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 5.56M 5.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 5.56M 5.29M
Normalized Net Operating Profit after Tax (NOPAT)		 0.80 -1.01 4.09
Normalized NOPAT Margin		 7.23% -9.99% 23.66%
Pre Tax Income Margin		 8.58% -14.26% 24.22%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.15 -0.16 0.45
NOPAT to Interest Expense		 0.13 -0.11 0.44
EBIT Less CapEx to Interest Expense		 -0.15 -0.16 0.41
NOPAT Less CapEx to Interest Expense		 -0.17 -0.11 0.40
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for Fifth District Bancorp

This table displays calculated financial ratios and metrics derived from Fifth District Bancorp's official financial filings.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 0.00 0.00 0.00 5,559,473.00 5,559,473.00 5,559,473.00 5,559,473.00 5,559,473.00 5,522,750.00 5,293,801.00
DEI Adjusted Shares Outstanding		 0.00 0.00 0.00 5,559,473.00 5,559,473.00 5,559,473.00 5,559,473.00 5,559,473.00 5,522,750.00 5,293,801.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.00 -0.14 0.03 0.01 0.56 0.06 0.10 0.07
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 0.00% -6.76% 20.48% 0.00% 177.93% 156.81% 13.97% 17.12% 18.10%
EBITDA Growth		 0.00% 0.00% 323.26% -377.43% 0.00% 122.80% 195.97% 185.69% 163.43% 142.65%
EBIT Growth		 0.00% 0.00% 235.27% -2,136.73% 0.00% 106.91% 250.87% 143.49% 374.62% 394.95%
NOPAT Growth		 0.00% 0.00% 234.80% -1,891.28% 0.00% 107.78% 357.69% 149.10% 240.25% 396.15%
Net Income Growth		 0.00% 0.00% 234.80% -2,120.51% 0.00% 106.89% 357.69% 143.53% 240.25% 396.15%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 146.67% 266.67% 300.00%
Operating Cash Flow Growth		 0.00% 0.00% 0.00% 90.16% -17.88% 206.88% 211.69% -84.06% 93.05% 26.00%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 35.69% 97.62% 0.00% 98.69%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 67.75% 2.67% 3.17% 1.61%
Revenue Q/Q Growth		 -9.27% 0.00% 132.32% 17.24% -0.89% 2.96% 114.66% -47.97% 1.85% 3.82%
EBITDA Q/Q Growth		 -0.39% 0.00% 191.53% -165.29% 143.34% -11.97% 1,088.24% -81.10% 33.22% -18.92%
EBIT Q/Q Growth		 -81.01% 0.00% 160.36% -215.38% 113.03% -23.85% 2,965.66% -85.70% 42.17% -20.58%
NOPAT Q/Q Growth		 -80.88% 0.00% 168.09% -202.28% 122.76% -50.94% 3,907.69% -89.03% 57.73% -28.47%
Net Income Q/Q Growth		 -80.88% 0.00% 160.34% -215.37% 120.18% -50.94% 3,907.69% -89.03% 57.73% -28.47%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 60.00% 133.33% 2,950.00% -88.52% 42.86% -20.00%
Operating Cash Flow Q/Q Growth		 0.00% -43.39% 50.00% 290.65% -186.24% 230.02% -47.75% -72.79% -137.61% 2,456.82%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -66.25% 100.00% 0.00% 60.89% 93.84% -12.23% 51.64%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 63.90% -1.65% 1.18% 2.86% 0.31% -1.17% -0.34%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 9.88% -103.65% 40.84% -22.74% 9.95% 8.50% 47.07% 17.10% 22.37% 17.47%
EBIT Margin		 1.88% -124.50% 32.35% -31.83% 4.18% 3.09% 44.20% 12.15% 16.96% 12.97%
Profit (Net Income) Margin		 1.50% -98.35% 25.54% -25.14% 5.12% 2.44% 45.52% 9.60% 14.87% 10.24%
Tax Burden Percent		 79.59% 79.00% 78.96% 78.96% 122.31% 78.79% 103.00% 79.03% 87.68% 78.98%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.41% 0.00% 21.04% 0.00% -22.31% 21.21% -3.00% 20.97% 12.32% 21.02%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.41% 0.46% 7.11% 1.24% 2.01% 1.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% -35.76% 0.00% 0.00% 0.00% 0.08% 1.83%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.08% 0.07% 1.37% 0.38% 0.55% 0.43%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.10% 0.06% 1.41% 0.30% 0.48% 0.34%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.10% 1.97% 2.82% 0.00% 3.40%
Net Operating Profit after Tax (NOPAT)		 0.04 -1.00 0.68 -0.70 0.16 0.08 3.13 0.34 0.54 0.39
NOPAT Margin		 1.50% -87.15% 25.54% -22.28% 5.12% 2.44% 45.52% 9.60% 14.87% 10.24%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 88.12% 201.13% 91.02% 81.28% 81.82% 82.46% 48.86% 72.74% 69.08% 74.01%
Operating Expenses to Revenue		 101.96% 233.19% 105.05% 135.34% 95.82% 96.91% 55.80% 87.85% 82.77% 87.03%
Earnings before Interest and Taxes (EBIT)		 0.05 -1.43 0.87 -1.00 0.13 0.10 3.04 0.43 0.62 0.49
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.26 -1.19 1.09 -0.71 0.31 0.27 3.23 0.61 0.81 0.66
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.70 0.45 0.56 0.53 0.52 0.59 0.64 0.61
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.70 0.45 0.56 0.53 0.52 0.59 0.64 0.61
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 6.97 5.60 4.21 4.59 4.79 4.39
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 513.83 26.66 20.75 20.26 17.84
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.19% 3.75% 4.82% 4.93% 5.60%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.11 0.18 0.26 0.30 0.31 0.32 0.38 0.43
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 3.20 3.11 2.51 2.54 2.84 3.09
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 13.21 9.61 9.94 10.35
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 18.08 11.49 11.71 12.02
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 285.78 15.91 11.47 11.98 12.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 69.99 30.26 57.68 36.95 35.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 462.16 23.51
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 0.00 0.00 6.61 4.10 4.95 4.17 5.05 4.10 4.15 4.16
Compound Leverage Factor		 0.00 0.00 6.61 4.10 4.95 4.17 5.05 4.10 4.15 4.16
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 0.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 -77 -129 0.00 -127 -50 -3.07 -3.44 -1.66
Operating Cash Flow to CapEx		 138.85% -223.84% 0.00% 3,058.33% -2,344.44% 0.00% 240.22% 185.71% -19.47% 344.52%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -32.68 -55.67 0.00 -55.98 -21.33 -1.31 -1.52 -0.79
Operating Cash Flow to Interest Expense		 0.21 -0.34 -0.16 0.32 -0.28 0.36 0.18 0.05 -0.02 0.49
Operating Cash Flow Less CapEx to Interest Expense		 0.06 -0.49 0.00 0.31 -0.29 0.40 0.11 0.02 -0.12 0.35
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.02 0.02 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.83 1.03 1.36 1.41 1.47 1.51
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 0.00 78 128 126 127 131 131 130 129
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.08 0.19 0.16 0.13 0.14 0.14
Increase / (Decrease) in Invested Capital		 0.00 0.00 78 128 0.00 127 53 3.41 3.98 2.05
Enterprise Value (EV)		 0.00 0.00 8.38 24 32 38 41 43 49 55
Market Capitalization		 55 55 55 58 70 68 69 77 83 78
Book Value per Share		 $0.00 $0.00 $14.04 $23.00 $22.62 $22.89 $23.55 $23.62 $23.50 $24.43
Tangible Book Value per Share		 $0.00 $0.00 $14.04 $23.00 $22.62 $22.89 $23.55 $23.62 $23.50 $24.43
Total Capital		 0.00 0.00 78 128 126 127 131 131 130 129
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 0.00 0.00 -46 -34 -38 -30 -28 -34 -34 -23
Capital Expenditures (CapEx)		 0.28 0.34 -0.39 0.02 0.03 -0.08 0.18 0.06 0.23 0.30
Net Nonoperating Expense (NNE)		 0.00 0.13 0.00 0.09 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.21 0.24 0.23 0.29 0.18 0.17 0.20 0.18 0.20 0.17
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 ($0.15) ($0.06) $0.02 $0.61 $0.07 $0.10 $0.08
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($0.15) ($0.06) $0.02 $0.61 $0.07 $0.10 $0.08
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 5.56M 5.56M 5.56M 5.56M 5.56M 5.52M 5.29M 5.26M
Normalized Net Operating Profit after Tax (NOPAT)		 0.04 -1.00 0.68 -0.70 0.09 0.08 2.12 0.34 0.54 0.39
Normalized NOPAT Margin		 1.50% -87.15% 25.54% -22.28% 2.93% 2.44% 30.94% 9.60% 14.87% 10.24%
Pre Tax Income Margin		 1.88% -124.50% 32.35% -31.83% 4.18% 3.09% 44.20% 12.15% 16.96% 12.97%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.03 -0.64 0.37 -0.43 0.06 0.04 1.30 0.18 0.27 0.23
NOPAT to Interest Expense		 0.02 -0.45 0.29 -0.30 0.07 0.03 1.34 0.15 0.24 0.18
EBIT Less CapEx to Interest Expense		 -0.13 -0.79 0.53 -0.44 0.04 0.08 1.22 0.16 0.17 0.09
NOPAT Less CapEx to Interest Expense		 -0.13 -0.60 0.46 -0.31 0.06 0.07 1.26 0.12 0.14 0.04
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Fifth District Bancorp (NASDAQ: FDSB) showed a meaningful rebound in Q1 2026, but the results still look uneven when viewed against the last four years of quarterly data. The company swung back to profitability after a very weak Q1 2025, and balance sheet deposits stabilized from the prior quarter. However, earnings remain modest, cash flow was pressured by investing activity, and the bank’s quarterly performance has been volatile.

  • Profitability improved sharply year over year. Q1 2026 net income was $387,000, up from a loss of $1.13 million in Q1 2025 and well above the $78,000 earned in Q1 2025’s restated figures.
  • Net interest income recovered from the prior quarter. Q1 2026 net interest income rose to $3.55 million, compared with $3.42 million in Q4 2025 and $2.94 million in Q1 2025.
  • Credit costs were contained in the latest quarter. The company reported no provision for credit losses in Q1 2026, which helped support pretax income.
  • Deposits grew modestly from Q4 2025. Total deposits rose to about $400.9 million from about $400.9 million in the prior quarter, while non-interest-bearing deposits also increased sequentially.
  • Loan balances continued to expand. Net loans and leases increased to $388.4 million in Q1 2026 from $379.3 million in Q3 2025, supporting interest income.
  • Book equity held up. Total common equity was $129.3 million at Q1 2026, slightly above the prior quarter’s $131.3 million level after some seasonal movement.
  • Revenue remains heavily dependent on spread income. In Q1 2026, net interest income made up the vast majority of total revenue, while non-interest income was only $229,000.
  • EPS is still low in absolute terms. Q1 2026 basic and diluted EPS were $0.08, indicating that profitability is positive but still thin for a bank of this size.
  • Cash flow was positive from operations, but investing needs were heavy. Operating cash flow was $1.04 million in Q1 2026, but investing cash flow was a negative $12.2 million due to investment purchases.
  • Share count has drifted lower recently. Weighted average shares outstanding declined from 5.56 million in Q2 2025 to 5.26 million in Q1 2026, which helps EPS but also suggests limited capital return flexibility.
  • Quarterly results have been highly volatile. Over the last year, FDSB has swung from a Q1 2024 loss of $1.13 million to a Q2 2025 profit of $3.13 million, then back to much smaller earnings in more recent quarters.
  • Interest expense remains elevated. Deposits interest expense was $2.10 million in Q1 2026, which continues to pressure margins even as interest income grows.
  • Cash and equivalents declined sharply in Q1 2026. Net change in cash and equivalents was negative $10.5 million, reflecting the impact of investing activity and funding flows.
  • Non-interest income is not consistently dependable. The bank has had quarters where investment gains helped results materially, but those gains are not recurring and can disappear quickly.
  • Deposit trends have not been consistently smooth. Deposits fell in some prior quarters, and while Q1 2026 improved sequentially, the broader pattern suggests funding remains an area to watch.

Bottom line: FDSB appears to be stabilizing after a rough patch, with Q1 2026 showing better earnings, solid net interest income, and manageable credit costs. Still, investors should view the name as a small bank with uneven quarterly execution and limited margin of safety if deposit costs stay high or non-interest income fades.

07/16/26 07:05 PM ETAI Generated. May Contain Errors.

Fifth District Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Fifth District Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Fifth District Bancorp's net income appears to be on an upward trend, with a most recent value of $4.09 million in 2025, rising from $797 thousand in 2023. The previous period was -$1.08 million in 2024. Find out what analysts predict for Fifth District Bancorp in the coming months.

Over the last 2 years, Fifth District Bancorp's total revenue changed from $11.02 million in 2023 to $17.28 million in 2025, a change of 56.8%.

Fifth District Bancorp's total liabilities were at $404.64 million at the end of 2025, a 0.8% increase from 2024, and a 0.4% increase since 2023.

In the past 2 years, Fifth District Bancorp's cash and equivalents has ranged from $4.59 million in 2023 to $5.85 million in 2024, and is currently $4.99 million as of their latest financial filing in 2025.

Over the last 2 years, Fifth District Bancorp's book value per share changed from 14.25 in 2023 to 23.50 in 2025, a change of 64.9%.


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Financial statements for NASDAQ:FDSB last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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