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: $13.85 to $13.93
• 50-Day Range: $12.45 to $14.00
• 52-Week Range: $10.03 to $15.64
• Volume: 10,655 shs
• Average Volume: 7,150 shs
• Market Capitalization: $77.42 million
• P/E Ratio: 27.30
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Fifth District Bancorp Stock Analysis - MarketRank™

Fifth District Bancorp scored higher than 27% of companies evaluated by MarketBeat, and ranked 865th out of 957 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Fifth District Bancorp.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Fifth District Bancorp is 27.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fifth District Bancorp is 27.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.73.

Price to Book Value per Share Ratio

Fifth District Bancorp has a P/B Ratio of 0.62. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.15% 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 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.15% 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 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Fifth District Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Fifth District Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 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

Only 4.50% of the stock of Fifth District Bancorp is held by insiders.

FDSB Stock Analysis - Frequently Asked Questions

How have FDSB shares performed this year?

Fifth District Bancorp's stock was trading at $12.62 at the start of the year. Since then, FDSB stock has increased by 10.3% and is now trading at $13.9250.

How were Fifth District Bancorp's earnings last quarter?

Fifth District Bancorp, Inc. (NASDAQ:FDSB) released its quarterly earnings data on Tuesday, August, 12th. The company reported $0.61 earnings per share for the quarter. The business earned $6.87 million during the quarter. Fifth District Bancorp had a trailing twelve-month return on equity of 2.01% and a net margin of 10.10%.

How will Fifth District Bancorp's stock buyback program work?

Fifth District Bancorp's board approved a stock buyback program on Monday, August 25th 2025, which permits the company to repurchase $550,000 in shares, according to EventVestor. This means that the company could purchase up to 0.7% of its shares through open market purchases. Shares buyback programs are often a sign that the company's leadership believes its shares are undervalued.

When did Fifth District Bancorp IPO?

Fifth District Bancorp (FDSB) raised $55 million in an initial public offering on Thursday, August 1st 2024. The company issued 5,459,473 shares at a price of $10.00 per share.

Who are Fifth District Bancorp's major shareholders?

Fifth District Bancorp's top institutional investors include FJ Capital Management LLC (4.45%), Fourthstone LLC (1.64%) and Arcus Capital Partners LLC (0.24%).

How do I buy shares of Fifth District Bancorp?

Shares of FDSB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Fifth District Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Fifth District Bancorp investors own include Arch Capital Group (ACGL), Adobe (ADBE), Analog Devices (ADI), Alnylam Pharmaceuticals (ALNY), Amgen (AMGN), AstraZeneca (AZN) and Baidu (BIDU).

Company Calendar

• Last Earnings: 8/12/2025
• Today: 9/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• 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: N/A

Profitability

• EPS (Trailing Twelve Months): $0.51
• Trailing P/E Ratio: 27.30
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.08 million
• Net Margins: 10.10%
• Pretax Margin: 8.89%
• Return on Equity: 2.01%
• Return on Assets: 0.49%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $16.43 million
• Price / Sales: 4.71
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $22.62 per share
• Price / Book: 0.62

Miscellaneous

• Outstanding Shares: 5,560,000
• Free Float: 5,310,000
• Market Cap: $77.42 million
• Optionable: N/A
• Beta: N/A