Fifth District Bancorp, Inc. Common Stock

Fifth District Bancorp, Inc. Common Stock

FDSB · NASDAQ · Financial Services / Banks - Regional

17.72USD+0.17 (+0.97%)

Price History

Full chart

Market Stats

Previous Close17.55
Open17.73
Day Range17.72 – 17.73
52-Week Range13.00 – 18.69
Volume2.25K
Market Cap92.93M
P/E (TTM)52.21
Forward P/E0.00
EPS0.34
Dividend Yield0.00%
Beta0.20
50-Day Avg18.07
200-Day Avg15.89

About

Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, share loans; and purchases consumer and commercial business loans. In addition, the company offers electronic banking services, such as mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. Fifth District Bancorp, Inc. was founded in 1926 and is based in New Orleans, Louisiana.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Amie L. Lyons
  • Employees66
  • Headquarters4000 General DeGaulle Drive, New Orleans, LA, United States, 70114, USA
  • Websitehttps://www.fifthdistrict.com

Leadership

  • Ms. Amie L. LyonsPresident, CEO & Director · b. 1978
  • Ms. Melissa C. Burns CPA, CGMACFO & Treasurer · b. 1978
  • Ms. Dodie F. GervaisVice President of Lending · b. 1971
  • Gregory P. NolanSenior VP & General Counsel
  • Ms. Brandi S. RoeVP of Marketing, Corporate Secretary & Information Security Officer · b. 1977
  • Mr. Shane M. SmithVice President & Chief Credit Officer · b. 1982

Financials

Income Statement

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Total Revenue15.35M17.39M19.29M26.49M
Growth (%)-+13.26%+10.93%+37.33%
Cost of Revenue1.62M6.04M8.01M9.22M
Gross Profit13.73M11.35M11.28M17.27M
Gross Margin89.47%65.26%58.47%65.19%
Operating Expense10.11M10.40M12.71M13.08M
Operating Income3.62M946.00K-1.44M4.18M
Operating Margin23.60%5.44%-7.45%15.80%
EBITDA4.16M1.49M-742.00K4.86M
EBITDA Margin27.07%8.59%-3.85%18.33%
Net Income2.91M797.00K-1.08M4.09M
Net Income Margin18.96%4.58%-5.59%15.43%
Interest Expense1.62M6.37M9.22M9.21M
Interest Expense % of Total Revenue10.53%36.61%47.81%34.77%

Balance Sheet

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Total Assets473.43M480.80M527.31M534.39M
Total Liabilities397.36M403.00M401.53M404.64M
Total Equity76.07M77.80M125.78M129.76M
Cash20.28M19.31M37.92M4.99M
Total Debt-4.00M--
Net Debt-20.28M-15.31M-37.92M-4.99M

Cash Flow

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.97M796.00K-1.05M1.33M
Investing Cash Flow-25.86M-6.64M-27.48M-5.03M
Financing Cash Flow18.35M5.11M47.15M-360.00K
Capital Expenditure1.07M1.91M510.00K384.00K
Free Cash Flow2.90M-1.11M-1.56M942.00K
FCF to OCF73.11%-139.70%148.39%71.04%

Earnings

Report DateSep 30, 2024Mar 26, 2025May 13, 2025Aug 12, 2025Nov 10, 2025Dec 31, 2025Mar 31, 2026Aug 10, 2026Nov 9, 2026
EPS Estimate---------
EPS Actual-0.150.040.020.610.070.100.080.08-
Surprise---------
Timing---------

Key Statistics & Ratios

Market Cap92.93M
Enterprise Value73.77M
Trailing P/E52.21
Forward P/E0.00
Price / Sales6.60
Price / Book0.74
EPS0.34
Book Value24.64
Revenue (TTM)14.08M
Gross Profit (TTM)14.08M
Profit Margin11.75%
Operating Margin13.60%
Return on Equity1.27%
Return on Assets0.31%
Shares Outstanding5.24M
Shares Float4.82M
Beta0.20
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
33.84%
Insiders
8.76%
Retail / Other
57.40%

Top Institutional Holders

  • AllianceBernstein L.P.
    312.12K5.96%
  • Vanguard Capital Management, LLC
    233.25K4.46%
  • Mangrove Partners
    141.77K2.71%
  • Stilwell Value LLC
    80.00K1.53%
  • Renaissance Technologies Corp
    63.96K1.22%
  • Geode Capital Management, LLC
    50.16K0.96%
  • Daytona Street Capital LLC
    50.00K0.95%
  • Morgan Stanley - Brokerage Accounts
    50.00K0.95%
  • TruWealth Advisors, LLC
    37.74K0.72%
  • Arcus Capital Partners LLC
    36.50K0.70%
  • Creative Planning Inc
    30.00K0.57%
  • BlackRock Inc
    27.95K0.53%
  • Vanguard Fiduciary Trust Co
    27.75K0.53%
  • Acadian Asset Management LLC
    21.78K0.42%
  • Citadel Advisors Llc
    20.68K0.39%
  • Susquehanna International Group, LLP
    17.44K0.33%
  • Northern Trust Corp
    11.03K0.21%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    170.22K3.25%
  • Fidelity Extended Market Index
    21.00K0.40%
  • iShares Micro-Cap ETF
    17.13K0.33%