Fifth District Bancorp, Inc. (FDSB) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 60.26 means the share price is 60.26 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $98.3M is the value of all shares combined. Beta 0.46: the stock has moved about 54% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 9, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFifth District Bancorp, Inc. (FDSB) trades at $18.67 with MoonshotScore 76/100 (Grade A). Fifth District Bancorp, Inc., operating as Fifth District Savings Bank, provides banking products and services in the New Orleans-Metairie area. Market cap: $98.3M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: May 9, 2026Analyst Coverage for FDSB: FDSB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FDSB against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FDSB: 3/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Strongest side: Growth Durability (10/10, Strong). Weakest side: Business Quality (4/10, Neutral).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Fifth District Bancorp, Inc. (FDSB) Financial Services Profile
Fifth District Bancorp, operating as Fifth District Savings Bank, provides traditional banking services in the New Orleans metropolitan area. Founded in 1926, the company offers deposit accounts, mortgage loans, and commercial lending, distinguishing itself through a community-focused approach and personalized customer service within a competitive regional banking landscape.
What Is the Investment Thesis for FDSB?
Fifth District Bancorp, with a market capitalization of $98.3M and a P/E ratio of 60.26, presents a focused investment opportunity within the New Orleans-Metairie area. The company's profit margin of 18.5% and gross margin of 58.2% indicate efficient operations. Growth catalysts include expanding its digital banking services to attract a younger demographic and increasing commercial lending activities to capitalize on regional business growth. Key risks involve competition from larger regional and national banks and potential economic downturns affecting loan performance. The company's beta of 0.46 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
FDSB Key Highlights
Market capitalization of $98.3M indicates a small-cap regional bank.
- P/E ratio of 60.26 suggests the company is fairly valued compared to its earnings.
- Profit margin of 18.5% demonstrates efficient profitability.
- Gross margin of 58.2% reflects effective cost management in its banking operations.
- Beta of 0.46 indicates lower volatility compared to the broader market, suggesting a more stable investment.
Who Are FDSB's Competitors?
FDSB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
| NWFL Norwood Financial Corp. | $34.50 | +0.23% | $376M | 925-pillar |
| FNLC The First Bancorp, Inc. | $34.71 | -0.94% | $391M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FDSB's Key Strengths?
Long-standing presence in the New Orleans market.
- Strong focus on community banking.
- Variety of deposit and loan products.
- Personalized customer service.
What Are FDSB's Weaknesses?
Limited geographic reach.
- Smaller scale compared to larger regional banks.
- Dependence on the New Orleans-Metairie economy.
- Lower brand recognition compared to national banks.
What Could Drive FDSB Stock Higher?
Launch of enhanced mobile banking app in Q3 2026 to attract younger customers.
- Expansion of commercial lending activities to support local business growth.
- Strategic partnerships with local businesses to increase market presence.
What Are the Key Risks for FDSB?
Financial-distress signal — its Altman Z-Score of 0.67 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 60.26 runs well above the Financial Services sector’s ~17.50x, leaving little room for a miss.
- Economic downturn in the New Orleans-Metairie area affecting loan performance.
- Rising interest rates impacting mortgage demand and profitability.
- Competition from larger regional and national banks.
- Regulatory changes increasing compliance costs.
What Are the Growth Opportunities for FDSB?
- Expansion of Digital Banking Services: Fifth District Savings Bank can capitalize on the increasing demand for digital banking by enhancing its mobile and online platforms. Investing in user-friendly interfaces and secure transaction capabilities can attract a younger demographic and increase customer engagement. The digital banking market is projected to grow significantly, offering a substantial opportunity for FDSB to expand its customer base and improve operational efficiency. Timeline: Ongoing.
- Increased Commercial Lending: By expanding its commercial lending activities, Fifth District Savings Bank can support local business growth and increase its revenue streams. Focusing on small and medium-sized enterprises (SMEs) in the New Orleans-Metairie area can provide a competitive advantage. The SME lending market is expected to grow, driven by economic development initiatives and increasing entrepreneurial activity. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: Forming strategic alliances with local businesses can enhance Fifth District Savings Bank's market presence and customer acquisition efforts. Offering co-branded financial products and services can attract new customers and strengthen existing relationships. These partnerships can also provide access to new markets and distribution channels. Timeline: Ongoing.
- Geographic Expansion within Louisiana: Expanding its branch network or establishing new loan production offices in other parts of Louisiana can increase Fifth District Savings Bank's geographic reach and market share. Identifying underserved communities and offering tailored financial solutions can drive growth. The Louisiana banking market offers opportunities for expansion, particularly in areas with growing populations and economic activity. Timeline: 2-3 years.
- Enhanced Customer Relationship Management (CRM): Implementing a robust CRM system can improve customer service and personalize financial solutions. By leveraging data analytics, Fifth District Savings Bank can identify customer needs and preferences, leading to increased customer loyalty and cross-selling opportunities. The CRM market is growing rapidly, driven by the need for personalized customer experiences and data-driven decision-making. Timeline: 1 year.
What Are FDSB's Competitive Advantages?
- Established presence in the New Orleans-Metairie area since 1926.
- Strong community relationships and local market knowledge.
- Personalized customer service approach.
- Focus on traditional banking services with a local touch.
What Does FDSB Do?
Fifth District Bancorp, Inc., established in 1926, functions as the bank holding company for Fifth District Savings Bank. The bank provides a suite of financial products and services primarily within the New Orleans-Metairie Metropolitan Statistical Area. Its offerings encompass a variety of deposit accounts, including checking, money market, and certificates of deposit, catering to individual and business clients. The bank is also involved in lending activities, focusing on fixed-rate one- to four-family residential mortgage loans. Additionally, Fifth District Savings Bank originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans, and purchases commercial business loans, supporting local real estate development and business growth. To keep pace with evolving customer preferences, the bank offers electronic banking services, including mobile banking, online banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. These digital solutions enhance customer convenience and accessibility. Headquartered in New Orleans, Louisiana, Fifth District Savings Bank maintains a community-focused approach, emphasizing personalized service and local market expertise.
What Products and Services Does FDSB Offer?
- Offers checking accounts for personal and business use.
- Provides money market accounts with competitive interest rates.
- Issues certificates of deposit (CDs) with varying terms.
- Originates fixed-rate residential mortgage loans.
- Offers construction loans for new building projects.
- Provides home equity loans and lines of credit.
- Purchases commercial business loans to support local enterprises.
- Provides electronic banking services including mobile and online banking.
How Does FDSB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and electronic banking services.
- Manages interest rate spreads to maintain profitability.
- Focuses on serving the New Orleans-Metairie Metropolitan Statistical Area.
What Industry Does FDSB Operate In?
Fifth District Savings Bank operates within the regional banking sector, which is characterized by intense competition from larger national banks and credit unions. The industry is currently experiencing a shift towards digital banking solutions and personalized customer service. Regional banks like Fifth District Savings Bank differentiate themselves by focusing on local market knowledge and community relationships. The market is influenced by interest rate fluctuations, regulatory changes, and economic conditions in their specific geographic areas. The regional banking sector is expected to see moderate growth, driven by increased lending activity and deposit growth.
Who Are FDSB's Key Customers?
- Individual customers seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing construction financing.
- Homeowners looking for mortgage and home equity products.
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 32 days ago
- ● No analyst coverage
Why 76?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.48 Revenue growth (Growth)
- +0.40 Operating income growth (Growth)
- +0.36 3-month price trend (Momentum)
What is holding it back
- -0.18 Return on equity (Business Quality)
- -0.17 Return on assets (Business Quality)
- -0.12 Dividend yield (Valuation)
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 71 |
| 2026-08-26 | 71 |
| 2026-08-29 | 70 |
| 2026-09-01 | 74 |
| 2026-09-04 | 74 |
| 2026-09-07 | 74 |
| 2026-09-10 | 77 |
What changed?
The grade moved from 71 to 77 (+6).
What moved it up or down:
- +36 Financial Safety
- +1 Business Quality
Held back by:
- -2 Valuation
- -1 Momentum
Over the same 18 days the stock moved +2.1%.
Insider Activity
Over the past six months, Fifth District Bancorp, Inc. insiders filed 11 SEC Form 4 transactions — 10 sales and 1 purchases. On net that is roughly 582 shares disposed (about $204K), a signal worth weighing alongside the fundamentals.
Quarterly Financial Performance: Fifth District Bancorp, Inc.
Revenue for Fifth District Bancorp, Inc. came in at $6.0M during Q2 FY2026, a 2.6% improvement versus the preceding quarter. The company recorded net income of $384K, with diluted EPS of $0.07. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, FDSB averaged $0.08 in diluted EPS.
FDSB Valuation & Market Position
With a $98.3M market cap, Fifth District Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, FDSB's quantitative score of 76/100 is below the peer average of 91/100.
Key Financial Metrics
Return on equity for Fifth District Bancorp, Inc. stands at 3.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. FDSB trades at a trailing price-to-earnings ratio of 60.26, above the Financial Services sector average of ~17.50x. Its free cash flow yield is 1.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.06 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Fifth District Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.67 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Fifth District Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New Orleans, United States.
FDSB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in the New Orleans market.
- Strong focus on community banking.
- Variety of deposit and loan products.
- Personalized customer service.
Bear Case
- Limited geographic reach.
- Smaller scale compared to larger regional banks.
- Dependence on the New Orleans-Metairie economy.
- Lower brand recognition compared to national banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $6M | $384,000 | $0.07 |
| Q1 FY2026 | $6M | $387,000 | $0.08 |
| Q4 FY2025 | $6M | $541,000 | $0.10 |
| Q3 FY2025 | $6M | $343,000 | $0.07 |
Q2 FY2026 · filed 10 Aug 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
FDSB Latest News
-
Fifth District Bancorp Q2 EPS $0.08 Down From $0.61 YoY, Sales $3.955M Down From $6.867M YoY
benzinga · Aug 10, 2026
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Why Carbon Revolution Shares Are Trading Higher By Around 62%; Here Are 20 Stocks Moving Premarket
benzinga · Dec 24, 2024
FDSB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FDSB.
Price Targets
Wall Street price target analysis for FDSB.
FDSB MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. FDSB scores 76/100 (Grade A): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Leadership: Amie L. Lyons
CEO
Amie L. Lyons serves as the CEO of Fifth District Savings Bank, bringing extensive experience in the financial services sector. Her career includes various leadership roles in banking operations, risk management, and strategic planning. Lyons has a strong background in community banking and a deep understanding of the New Orleans-Metairie market. She is committed to fostering strong customer relationships and driving sustainable growth for the bank. Her educational background includes a degree in Finance and certifications in banking management.
Track Record: Under Amie L. Lyons' leadership, Fifth District Savings Bank has focused on enhancing its digital banking capabilities and expanding its commercial lending portfolio. She has overseen initiatives to improve customer service and streamline operations, contributing to increased profitability and customer satisfaction. Lyons has also played a key role in navigating regulatory challenges and maintaining the bank's strong financial position.
What Investors Ask About Fifth District Bancorp, Inc. (FDSB) — Financial Services
What does the AI Score mean for FDSB?
FDSB holds an AI Score of 76/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is FDSB a good stock?
Stock Expert AI does not rate FDSB buy, sell or hold. Fifth District Bancorp, Inc. carries a MoonshotScore of 76/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about FDSB stock?
As of May 9, 2026, analyst coverage of Fifth District Bancorp (FDSB) is limited, given its small market capitalization and regional focus. Key valuation metrics include a P/E ratio of 60.26, reflecting its earnings relative to its stock price.
What are the key factors to evaluate for FDSB?
Fifth District Bancorp, Inc. (FDSB) holds a MoonshotScore of 76/100 (high). P/E: 60.26x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FDSB data refresh on this page?
FDSB's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FDSB's recent stock price performance?
Fifth District Bancorp, Inc. (FDSB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the New Orleans market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FDSB overvalued or undervalued right now?
Fifth District Bancorp, Inc. (FDSB) trades at 60.26x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of FDSB?
Yes, most major brokerages offer fractional shares of Fifth District Bancorp, Inc. (FDSB) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track FDSB's earnings and financial reports?
Fifth District Bancorp, Inc. (FDSB) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for FDSB earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on publicly available information.
- Analyst sentiment is based on limited coverage.
- Growth opportunities and risks are based on current market conditions and management strategies.