GoAI
Get started
Fifth District Savings Bank logo

Fifth District Savings Bank

FDSB

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$18.31

+$0.38 · +2.12%

Aug 21, 4:00 PM ET

FDSB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

73

Undervalued

Momentum

56

Neutral

Sentiment

56

Mixed

Risk resilience

83

Low Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Fifth District Savings Bank, the primary financial institution under Fifth District Bancorp, Inc., delivers a comprehensive range of banking products and services, primarily serving the New Orleans-Metairie Metropolitan Statistical Area. The institution offers a diverse suite of deposit products, including conventional checking accounts, higher-yield money market accounts, and certificates of deposit (CDs). Its lending activities encompass fixed-rate residential mortgage loans for one-to-four family homes, along with originating construction, home equity, and land loans. The bank also facilitates home equity lines of credit (HELOCs) and share loans, and selectively acquires commercial business loans. To complement its traditional offerings, the bank provides a robust array of electronic banking solutions. These include convenient mobile and online banking platforms, telephone banking services, bill payment capabilities, and secure electronic funds transfers facilitated by SmartPay. Established in 1926, Fifth District Savings Bank maintains its headquarters in New Orleans, Louisiana.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Amie L. Lyons
Listed since
Aug 1, 2024
Employees
67

Market position

Day range

Current $18.31

52-week range

Current $18.31

Open
$18.33
Previous close
$17.93
Volume
4.14K
0.46× average
Average volume
8.97K
Average daily volume
Market cap
96.4M USD
Beta
0.2
Market reference 1
50-day average
$17.1722
+6.63% above average
200-day average
$15.3175
+19.54% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
72.18M USD
P/E (TTM)
59.1×
P/B (TTM)
0.73×
P/S (TTM)
4.06×
EV / EBITDA
14.86×
Earnings yield
5.30%
Free cash flow yield
1.22%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
62.93%
Operating margin
8.54%
Net margin
6.97%
Return on equity
3.15%
Return on assets
0.76%
Return on invested capital
2.89%

Financial health

Debt / equity
0×
Current ratio
0.02×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%60%22%-17%Gross margin, FY2022: 89.47%Gross margin, FY2023: 65.26%Gross margin, FY2024: 58.47%Gross margin, FY2025: 65.19%Operating margin, FY2022: 23.60%Operating margin, FY2023: 5.44%Operating margin, FY2024: -7.45%Operating margin, FY2025: 15.80%Net margin, FY2022: 18.96%Net margin, FY2023: 4.58%Net margin, FY2024: -5.59%Net margin, FY2025: 15.43%FY2022FY2023FY2024FY2025
Gross margin FY2022 89.47%. Gross margin FY2023 65.26%. Gross margin FY2024 58.47%. Gross margin FY2025 65.19%. Operating margin FY2022 23.60%. Operating margin FY2023 5.44%. Operating margin FY2024 -7.45%. Operating margin FY2025 15.80%. Net margin FY2022 18.96%. Net margin FY2023 4.58%. Net margin FY2024 -5.59%. Net margin FY2025 15.43%.

Income trends

Revenue

26.49M USD+37.33%

Operating income

4.19M USD+5.62M USD

Net income

4.09M USD+5.17M USD
Income trends across reported periods29.28M USD18.11M USD6.94M USD−4.23M USDRevenue, FY2022: 15.35M USDRevenue, FY2023: 17.39M USDRevenue, FY2024: 19.29M USDRevenue, FY2025: 26.49M USDOperating income, FY2022: 3.62M USDOperating income, FY2023: 946K USDOperating income, FY2024: −1.44M USDOperating income, FY2025: 4.19M USDNet income, FY2022: 2.91M USDNet income, FY2023: 797K USDNet income, FY2024: −1.08M USDNet income, FY2025: 4.09M USDFY2022FY2023FY2024FY2025
Revenue FY2022 15.35M USD. Revenue FY2023 17.39M USD. Revenue FY2024 19.29M USD. Revenue FY2025 26.49M USD. Operating income FY2022 3.62M USD. Operating income FY2023 946K USD. Operating income FY2024 −1.44M USD. Operating income FY2025 4.19M USD. Net income FY2022 2.91M USD. Net income FY2023 797K USD. Net income FY2024 −1.08M USD. Net income FY2025 4.09M USD.
Metric (USD)FY2025FY2024FY2023FY2022
Revenue26.49M USD19.29M USD17.39M USD15.35M USD
Cost of goods sold9.22M USD8.01M USD6.04M USD1.62M USD
Gross profit17.27M USD11.28M USD11.35M USD13.73M USD
Selling, general, and administrative8.23M USD7.32M USD6.79M USD6.72M USD
Operating expenses13.08M USD12.71M USD10.4M USD10.11M USD
Interest income22.06M USD19.28M USD16.41M USD14.4M USD
Interest expense9.21M USD9.22M USD6.37M USD1.62M USD
Depreciation and amortization671K USD694K USD548K USD532.93K USD
Operating income4.19M USD−1.44M USD946K USD3.62M USD
Net income4.09M USD−1.08M USD797K USD2.91M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.08

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.670.380.08-0.21Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual -0.15, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 26, 2025: actual 0.03, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 0.02, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 0.61, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 0.07, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 24, 2026: actual 0.11, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 0.08, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 10, 2026: actual 0.08, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates9.57M8.05M6.53M5.02MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 5.45M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 26, 2025: actual 5.38M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 5.47M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 9.2M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 5.92M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 24, 2026: actual 5.9M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 5.88M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 10, 2026: actual 6.04M USD, estimate —, surprise —, Comparison unavailable.

FDSB peers

Interactive Brokers Group, Inc. logo

IBKR

Interactive Brokers Group, Inc.

$93.87

+4.47%

CME Group Inc. logo

CME

CME Group Inc.

$274.98

+1.52%

Robinhood Markets, Inc. logo

HOOD

Robinhood Markets, Inc.

$108.13

+13.70%

Strive Inc. Perp. Pfd. Series A logo

SATA

Strive Inc. Perp. Pfd. Series A

$100.01

+0.10%

Nasdaq, Inc. logo

NDAQ

Nasdaq, Inc.

$98.22

+0.69%

PayPal Holdings, Inc. logo

PYPL

PayPal Holdings, Inc.

$61.55

-1.20%

ETFs holding FDSB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
3M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
944.32K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
322.39K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Vector Equity ETF logoDimensional - US Vector Equity ETFDXUV
Market value
14.44K
Weight
0.00%
AUM
578.74M USD
Expense ratio
0.28%
Price / 1D
$69.80+0.69%
Dimensional - US Core Equity 1 ETF logoDimensional - US Core Equity 1 ETFDCOR
Market value
14.12K
Weight
0.00%
AUM
3.51B USD
Expense ratio
0.14%
Price / 1D
$84.54+0.42%
Dimensional - US Sustainability Core 1 ETF logoDimensional - US Sustainability Core 1 ETFDFSU
Market value
13.9K
Weight
0.00%
AUM
2.35B USD
Expense ratio
0.15%
Price / 1D
$48.20+0.52%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
13.05K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%

Continue in GoAI

Research FDSB

research.disclaimer