Fifth District Bancorp Financials
This page shows Fifth District Bancorp (FDSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Fifth District Bancorp passes 1 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Fifth District Bancorp generates $0.98 in operating cash flow (-$1.1M OCF vs -$1.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Fifth District Bancorp generated $619K in revenue in fiscal year 2024. This represents an increase of 0.8% from the prior year.
Fifth District Bancorp generated -$1.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 40.6% from the prior year.
Fifth District Bancorp reported -$1.1M in net income in fiscal year 2024. This represents a decrease of 235.3% from the prior year.
Fifth District Bancorp earned $-0.21 per diluted share (EPS) in fiscal year 2024.
Fifth District Bancorp held $37.9M in cash against $0 in long-term debt as of fiscal year 2024.
Fifth District Bancorp had 6M shares outstanding in fiscal year 2024.
Fifth District Bancorp's net profit margin was -174.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 304.0 percentage points from the prior year.
Fifth District Bancorp invested $510K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 73.3% from the prior year.
FDSB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.7M+3.9% | $5.5M+5.2% | $5.2M | N/A | $5.2M+11.9% | $4.6M+7.9% | $4.3M | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $2.3M+0.7% | $2.3M+2.6% | $2.3M | N/A | $2.3M-2.4% | $2.4M+5.1% | $2.3M | N/A |
| Income Tax | $91K+200.0% | -$91K-533.3% | $21K | N/A | -$210K-215.4% | $182K+160.5% | -$301K | N/A |
| Net Income | $343K-89.0% | $3.1M+3907.7% | $78K | N/A | -$788K-215.4% | $683K+160.3% | -$1.1M | N/A |
| EPS (Diluted) | $0.07-88.5% | $0.61+2950.0% | $0.02 | N/A | $-0.15 | N/A | N/A | N/A |
FDSB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $539.5M-0.1% | $539.8M+1.6% | $531.1M+0.7% | $527.3M+0.7% | $523.8M+1.5% | $516.0M+6.2% | $485.7M+1.0% | $480.8M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $34.4M+24.1% | $27.7M-8.0% | $30.1M-20.6% | $37.9M+11.2% | $34.1M-26.2% | $46.2M+26.2% | $36.6M+89.7% | $19.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $408.2M-0.2% | $408.9M+1.3% | $403.8M+0.6% | $401.5M+1.4% | $395.9M-9.6% | $438.0M+7.2% | $408.7M+1.4% | $403.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $131.3M+0.3% | $130.9M+2.9% | $127.3M+1.2% | $125.8M-1.7% | $127.9M+63.9% | $78.0M+1.4% | $77.0M-1.1% | $77.8M |
| Retained Earnings | $87.1M+0.2% | $86.9M+3.7% | $83.8M+0.1% | $83.7M+0.2% | $83.5M-0.9% | $84.3M+0.8% | $83.6M-1.3% | $84.8M |
FDSB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $117K-72.8% | $430K-47.8% | $823K+230.0% | -$633K-186.2% | $734K+290.6% | -$385K+50.0% | -$770K-43.4% | -$537K |
| Capital Expenditures | $63K-65.2% | $181K+212.1% | $58K+123.1% | $26K+8.3% | $24K-79.3% | $116K-66.3% | $344K-50.9% | $700K |
| Free Cash Flow | $54K-78.3% | $249K-67.5% | $765K+216.1% | -$659K-192.8% | $710K+241.7% | -$501K+55.0% | -$1.1M+9.9% | -$1.2M |
| Investing Cash Flow | $7.6M+207.9% | -$7.1M+32.7% | -$10.5M-473.3% | -$1.8M+90.5% | -$19.3M-1.7% | -$19.0M-249.9% | $12.7M+14674.7% | -$87K |
| Financing Cash Flow | -$1.1M-125.3% | $4.2M+124.2% | $1.9M-69.9% | $6.3M-2.6% | $6.5M-77.7% | $29.0M+435.7% | $5.4M+42.4% | $3.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FDSB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 6.0%-51.0pp | 57.0%+55.5pp | 1.5% | N/A | -15.2%-29.9pp | 14.7%+41.0pp | -26.3% | N/A |
| Return on Equity | 0.3%-2.1pp | 2.4%+2.3pp | 0.1% | N/A | N/A | 0.9% | N/A | N/A |
| Return on Assets | 0.1%-0.5pp | 0.6%+0.6pp | 0.0% | N/A | -0.1%-0.3pp | 0.1%+0.4pp | -0.2% | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.11-0.0 | 3.12-0.0 | 3.17-0.0 | 3.19+0.1 | 3.10-2.5 | 5.61+0.3 | 5.31+0.1 | 5.18 |
| FCF Margin | 0.9%-3.6pp | 4.5%-10.2pp | 14.7% | N/A | 13.7%+24.5pp | -10.8%+15.1pp | -25.9% | N/A |
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Frequently Asked Questions
What is Fifth District Bancorp's annual revenue?
Fifth District Bancorp (FDSB) reported $619K in total revenue for fiscal year 2024. This represents a 0.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Fifth District Bancorp's revenue growing?
Fifth District Bancorp (FDSB) revenue grew by 0.8% year-over-year, from $614K to $619K in fiscal year 2024.
Is Fifth District Bancorp profitable?
No, Fifth District Bancorp (FDSB) reported a net income of -$1.1M in fiscal year 2024, with a net profit margin of -174.2%.
What is Fifth District Bancorp's earnings per share (EPS)?
Fifth District Bancorp (FDSB) reported diluted earnings per share of $-0.21 for fiscal year 2024. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Fifth District Bancorp's net profit margin?
Fifth District Bancorp (FDSB) had a net profit margin of -174.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Fifth District Bancorp's free cash flow?
Fifth District Bancorp (FDSB) generated -$1.6M in free cash flow during fiscal year 2024. This represents a -40.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Fifth District Bancorp's operating cash flow?
Fifth District Bancorp (FDSB) generated -$1.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Fifth District Bancorp's total assets?
Fifth District Bancorp (FDSB) had $527.3M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Fifth District Bancorp's capital expenditures?
Fifth District Bancorp (FDSB) invested $510K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Fifth District Bancorp have outstanding?
Fifth District Bancorp (FDSB) had 6M shares outstanding as of fiscal year 2024.
What is Fifth District Bancorp's debt-to-equity ratio?
Fifth District Bancorp (FDSB) had a debt-to-equity ratio of 3.19 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Fifth District Bancorp's return on assets (ROA)?
Fifth District Bancorp (FDSB) had a return on assets of -0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Fifth District Bancorp's cash runway?
Based on fiscal year 2024 data, Fifth District Bancorp (FDSB) had $37.9M in cash against an annual operating cash burn of $1.1M. This gives an estimated cash runway of approximately 432 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Fifth District Bancorp's Piotroski F-Score?
Fifth District Bancorp (FDSB) has a Piotroski F-Score of 1 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Fifth District Bancorp's earnings high quality?
Fifth District Bancorp (FDSB) has an earnings quality ratio of 0.98x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.