Fifth District Bancorp (FDSB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FDSB SEC filings page.
Fifth District Bancorp, Inc. (FDSB) reported $14.9M in revenue over the twelve months to Jun 30, 2026, down 8.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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).
Fifth District Bancorp’s 2025 earnings rebound came with lower capital intensity, while liabilities still fund most of its assets.
After a FY2024 net loss of$1.1M , FY2025 net income reached$4.1M , marking a sharp earnings reversal. Operating cash flow was$1.3M and free cash flow$942K , so cash conversion remained partial rather than matching the accounting profit after reinvestment.
Revenue grew
Liabilities represented
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Fifth District Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Fifth District Bancorp, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.2% the prior year. Earnings ranks banks on that return over three years, and Fifth District Bancorp, Inc. scores 15/100 among other banks.
Fifth District Bancorp, Inc. reported revenue of $17.3M in fiscal year 2025, against $10.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Fifth District Bancorp, Inc. scores 87/100 among other banks.
Fifth District Bancorp, Inc. funded 24.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $129.8M of equity against $534.4M of assets. Capital ranks banks on that cushion, and Fifth District Bancorp, Inc. scores 94/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Fifth District Bancorp, Inc. scores 6/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Fifth District Bancorp, Inc. scores 98/100 on it among other banks.
Fifth District Bancorp, Inc. reported net income of $4.1M in fiscal year 2025, against a loss of $1.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Fifth District Bancorp, Inc. scores 9/100 among other banks.
Fifth District Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Fifth District Bancorp, Inc. generated $4.0M in revenue in Q2 2026. This represents a decrease of 42.4% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.
Fifth District Bancorp, Inc. reported $384K in net income in Q2 2026. This represents a decrease of 87.7% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.
Fifth District Bancorp, Inc. earned $0.08 per diluted share (EPS) in Q2 2026. This represents a decrease of 86.9% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Cash & Balance Sheet
Fifth District Bancorp, Inc. generated $596K in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 139.4% from the same quarter a year earlier. Against the prior quarter it is down 19.0%.
Fifth District Bancorp, Inc. held $19.2M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
Fifth District Bancorp, Inc.'s net profit margin was 9.7% in Q2 2026, showing the share of revenue converted to profit. This is down 35.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
Fifth District Bancorp, Inc.'s quarterly ROE was 0.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 2.1 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Fifth District Bancorp, Inc. invested $266K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 47.0% from the same quarter a year earlier. Against the prior quarter it is down 11.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
FDSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.0M-42.4% | $3.8M+18.1% | $3.6M+17.1% | $3.6M+14.0% | $6.9M+156.8% | $3.2M+177.9% | $3.1M+25.0% | $3.1M+20.5% |
| Interest Expense | $2.1M-10.8% | $2.1M-7.4% | $2.3M-1.5% | $2.3M+1.6% | $2.3M-1.5% | $2.3M+0.9% | $2.3M+14.8% | $2.3M+28.2% |
| Income Tax | $101Kn/m | $103K+390.5% | $76Kn/m | $91Kn/m | -$91K-150.0% | $21Kn/m | -$29Kn/m | -$210K-2200.0% |
| Net Income | $384K-87.7% | $387K+396.2% | $541K+240.3% | $343Kn/m | $3.1M+357.7% | $78Kn/m | $159K-10.7% | -$788K-2120.5% |
| EPS (Basic) | $0.08-86.9% | $0.08+300.0% | $0.11+266.7% | $0.07n/m | $0.61 | $0.02 | $0.03 | -$0.15 |
| EPS (Diluted) | $0.08-86.9% | $0.08+300.0% | $0.11+266.7% | $0.07n/m | $0.61 | $0.02 | $0.03 | -$0.15 |
| Diluted Shares (Avg) | 5M-5.3% | 5M-4.4% | N/A | 5M+0.4% | 5M | 5M | N/A | 5M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
FDSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $532.1M-1.4% | $535.7M+0.9% | $534.4M+1.3% | $539.5M+3.0% | $539.8M+4.6% | $531.1M+9.3% | $527.3M+9.7% | $523.8M |
| Cash & Equivalents | $19.2M-30.8% | $23.3M-22.6% | $33.9M-10.7% | $34.4M+0.9% | $27.7M-40.1% | $30.1M-17.8% | $37.9M+96.4% | $34.1M+111.3% |
| Total Liabilities | $403.1M-1.4% | $406.4M+0.6% | $404.6M+0.8% | $408.2M+3.1% | $408.9M-6.6% | $403.8M-1.2% | $401.5M-0.4% | $395.9M |
| Total Equity | $129.0M-1.4% | $129.3M+1.6% | $129.8M+3.2% | $131.3M+2.7% | $130.9M+67.8% | $127.3M+65.3% | $125.8M+61.7% | $127.9M+70.9% |
| Retained Earnings | $87.1M+0.3% | $87.0M+3.9% | $86.9M+3.9% | $87.1M+4.3% | $86.9M+3.1% | $83.8M+0.2% | $83.7M-1.3% | $83.5M |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
FDSB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $862K+100.5% | $1.0M+26.0% | -$44Kn/m | $117K-84.1% | $430Kn/m | $823Kn/m | -$633Kn/m | $734K+90.2% |
| Depreciation & Amortization | $164K-1.8% | $164K-3.5% | $166K-2.9% | $168K-1.2% | $167K-11.2% | $170K+3.0% | $171K+23.0% | $170K+22.3% |
| Stock-Based Compensation | N/A | $137K | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | $266K+47.0% | $301K+419.0% | $82K+215.4% | $63K+162.5% | $181K+56.0% | $58K-83.1% | $26K-96.3% | $24K-91.4% |
| Free Cash Flow | $596K+139.4% | $736K-3.8% | -$126Kn/m | $54K-92.4% | $249Kn/m | $765Kn/m | -$659Kn/m | $710K+557.4% |
| Investing Cash Flow | -$854Kn/m | -$12.2Mn/m | $4.9Mn/m | $7.6Mn/m | -$7.1Mn/m | -$10.5M-183.1% | -$1.8Mn/m | -$19.3Mn/m |
| Financing Cash Flow | -$4.2M-197.9% | $647K-65.9% | -$5.4M-186.2% | -$1.1M-116.6% | $4.2M-85.3% | $1.9M-65.0% | $6.3M+65.8% | $6.5M+228.7% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
FDSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.7%-35.8pp | 10.2%+7.8pp | 14.9%+9.8pp | 9.6%+34.7pp | 45.5%+20.0pp | 2.4%+100.8pp | 5.1%-2.0pp | -25.1%-26.6pp |
| Return on Equity | 0.3%-2.1pp | 0.3%+0.2pp | 0.4%+0.3pp | 0.3%+0.9pp | 2.4%+1.5pp | 0.1%+1.5pp | 0.1%-0.1pp | -0.6%-0.7pp |
| Return on Assets | 0.1%-0.5pp | 0.1%+0.1pp | 0.1%+0.1pp | 0.1%+0.2pp | 0.6%+0.4pp | 0.0%+0.2pp | 0.0%0.0pp | -0.1% |
| Liabilities-to-Equity | 3.120.0x | 3.140.0x | 3.12-0.1x | 3.110.0x | 3.12-2.5x | 3.17-2.1x | 3.19-2.0x | 3.10 |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.01 |
| FCF Margin | 15.1%+11.4pp | 19.5%-4.4pp | -3.5%+17.8pp | 1.5%-21.1pp | 3.6%+22.4pp | 23.9%+120.7pp | -21.2%+28.6pp | 22.7%+18.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Fifth District Bancorp, Inc. FDSB | FY2025 | $17.3M | $4.1M | 23.7% | $92.6M | 52/100 |
| First US Bancshares, Inc. FUSB | FY2025 | $41.0M | $6.0M | 14.6% | $90.6M | 28/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $89.7M | 41/100 |
| Central Plains Bancshares, Inc. CPBI | FY2026 | $21.3M | $4.0M | 18.7% | $80.9M | 50/100 |
| Sound Financial Bancorp, Inc. SFBC | FY2025 | $38.9M | $7.2M | 18.4% | $107.3M | 28/100 |
| First Northwest Bancorp FNWB | FY2025 | $68.9M | -$4.2M | -6.1% | $94.4M | 11/100 |
Where Fifth District Bancorp, Inc. Ranks
Frequently Asked Questions
Fifth District Bancorp, Inc. (FDSB) reported $17.3M in total revenue for fiscal year 2025. This represents a 71.6% 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.
Fifth District Bancorp, Inc. (FDSB) revenue grew by 71.6% year-over-year, from $10.1M to $17.3M in fiscal year 2025.
Yes, Fifth District Bancorp, Inc. (FDSB) reported a net income of $1.7M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $4.1M, with a net profit margin of 23.7%.
Fifth District Bancorp, Inc. (FDSB) had a net profit margin of 23.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Fifth District Bancorp, Inc. (FDSB) has a return on equity of 3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Fifth District Bancorp, Inc. (FDSB) generated $942K in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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.
Fifth District Bancorp, Inc. (FDSB) generated $1.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Fifth District Bancorp, Inc. (FDSB) had $534.4M in total assets as of fiscal year 2025, including both current and long-term assets.
Fifth District Bancorp, Inc. (FDSB) invested $384K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Fifth District Bancorp, Inc. (FDSB) had a liabilities-to-equity ratio of 3.12 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
Fifth District Bancorp, Inc. (FDSB) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Fifth District Bancorp, Inc. (FDSB) trades at 56.0x earnings, its market capitalization divided by $1.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $92.6M as of Nov 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Fifth District Bancorp, Inc. (FDSB) trades at 6.2x sales, its market capitalization divided by $14.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $92.6M as of Nov 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Fifth District Bancorp, Inc. (FDSB) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Fifth District Bancorp, Inc. (FDSB) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.