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 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).
Balance-sheet repair, not top-line expansion, is the main mechanic: leverage eased while profit and cash generation recovered together.
The most telling shift is that the latest year’s earnings recovery came with positive operating and free cash flow, while financing cash flow flipped from a$47.1M source to a-$360K use; that suggests the business stopped needing outside funding just to carry the year. Because cash on hand still slipped to$33.9M from$37.9M , the improvement looks more like internal funding discipline than a larger liquidity cushion.
This balance sheet is less liability-funded than it was recently: debt-to-equity fell to 3.1x from 5.2x as equity built faster than liabilities. For an asset-heavy balance sheet, that matters more than the reported revenue line because it points to a sturdier capital base, not just a different level of activity.
The business also appears light on maintenance spending: with only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Fifth District Bancorp'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's revenue declined 2.3% year-over-year, from $619K to $605K. This contraction results in a growth score of 32/100.
Fifth District Bancorp has a moderate D/E ratio of 3.12. This balance of debt and equity financing earns a leverage score of 38/100.
Fifth District Bancorp's free cash flow margin of 155.7% results in a low score of 0/100. Capital expenditures of $384K absorb a large share of operating cash flow.
Fifth District Bancorp generates a 3.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 14/100. This is up from -0.9% the prior year.
Fifth District Bancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Fifth District Bancorp generates $0.32 in operating cash flow ($1.3M OCF vs $4.1M 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
Earnings & Revenue
Fifth District Bancorp generated $605K in revenue in fiscal year 2025. This represents a decrease of 2.3% from the prior year.
Fifth District Bancorp reported $4.1M in net income in fiscal year 2025. This represents an increase of 479.2% from the prior year.
Fifth District Bancorp earned $0.80 per diluted share (EPS) in fiscal year 2025. This represents an increase of 481.0% from the prior year.
Cash & Balance Sheet
Fifth District Bancorp generated $942K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 160.2% from the prior year.
Fifth District Bancorp held $33.9M in cash against $0 in long-term debt as of fiscal year 2025.
Fifth District Bancorp had 5M shares outstanding in fiscal year 2025. This represents a decrease of 3.8% from the prior year.
Margins & Returns
Fifth District Bancorp's net profit margin was 675.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 849.9 percentage points from the prior year.
Fifth District Bancorp's ROE was 3.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 4.0 percentage points from the prior year.
Capital Allocation
Fifth District Bancorp invested $384K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 24.7% from the prior year.
FDSB Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $5.7M+3.9% | $5.5M+5.2% | $5.2M | N/A | $5.2M+11.9% | $4.6M+7.9% | $4.3M |
| 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 | $1.8M-29.7% | $2.5M+39.2% | $1.8M | N/A | $1.8M+10.4% | $1.6M+2.7% | $1.6M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | $2.3M+0.7% | $2.3M+2.6% | $2.3M | N/A | $2.3M-2.4% | $2.4M+5.1% | $2.3M |
| Income Tax | N/A | $91K+200.0% | -$91K-533.3% | $21K | N/A | -$210K-215.4% | $182K+160.5% | -$301K |
| Net Income | N/A | $343K-89.0% | $3.1M+3907.7% | $78K | N/A | -$788K-215.4% | $683K+160.3% | -$1.1M |
| EPS (Diluted) | N/A | $0.07-88.5% | $0.61+2950.0% | $0.02 | N/A | $-0.15 | N/A | N/A |
FDSB Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $534.4M-0.9% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $33.9M-1.5% | $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 |
| 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 | $404.6M-0.9% | $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 |
| 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 | $129.8M-1.2% | $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 |
| Retained Earnings | $86.9M-0.2% | $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 |
FDSB Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$44K-137.6% | $117K-72.8% | $430K-47.8% | $823K+230.0% | -$633K-186.2% | $734K+290.6% | -$385K+50.0% | -$770K |
| Capital Expenditures | $82K+30.2% | $63K-65.2% | $181K+212.1% | $58K+123.1% | $26K+8.3% | $24K-79.3% | $116K-66.3% | $344K |
| Free Cash Flow | -$126K-333.3% | $54K-78.3% | $249K-67.5% | $765K+216.1% | -$659K-192.8% | $710K+241.7% | -$501K+55.0% | -$1.1M |
| Investing Cash Flow | $4.9M-35.3% | $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 |
| Financing Cash Flow | -$5.4M-404.9% | -$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 |
| 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 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | N/A | 6.0%-51.0pp | 57.0%+55.5pp | 1.5% | N/A | -15.2%-29.9pp | 14.7%+41.0pp | -26.3% |
| Return on Equity | N/A | 0.3%-2.1pp | 2.4%+2.3pp | 0.1% | N/A | -0.6%-1.5pp | 0.9%+2.4pp | -1.5% |
| Return on Assets | N/A | 0.1%-0.5pp | 0.6%+0.6pp | 0.0% | N/A | -0.1%-0.3pp | 0.1%+0.4pp | -0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.120.0 | 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 |
| FCF Margin | N/A | 0.9%-3.6pp | 4.5%-10.2pp | 14.7% | N/A | 13.7%+24.5pp | -10.8%+15.1pp | -25.9% |
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Frequently Asked Questions
What is Fifth District Bancorp's annual revenue?
Fifth District Bancorp (FDSB) reported $605K in total revenue for fiscal year 2025. This represents a -2.3% 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 declined by 2.3% year-over-year, from $619K to $605K in fiscal year 2025.
Is Fifth District Bancorp profitable?
Yes, Fifth District Bancorp (FDSB) reported a net income of $4.1M in fiscal year 2025, with a net profit margin of 675.7%.
What is Fifth District Bancorp's net profit margin?
Fifth District Bancorp (FDSB) had a net profit margin of 675.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Fifth District Bancorp's return on equity (ROE)?
Fifth District Bancorp (FDSB) has a return on equity of 3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Fifth District Bancorp's free cash flow?
Fifth District Bancorp (FDSB) generated $942K in free cash flow during fiscal year 2025. This represents a 160.2% 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 $1.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Fifth District Bancorp's total assets?
Fifth District Bancorp (FDSB) had $534.4M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Fifth District Bancorp's capital expenditures?
Fifth District Bancorp (FDSB) invested $384K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Fifth District Bancorp's debt-to-equity ratio?
Fifth District Bancorp (FDSB) had a debt-to-equity ratio of 3.12 as of fiscal year 2025, 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 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Fifth District Bancorp's Piotroski F-Score?
Fifth District Bancorp (FDSB) has a Piotroski F-Score of 4 out of 9, indicating neutral 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 to 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 0.32x, 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.
How financially healthy is Fifth District Bancorp?
Fifth District Bancorp (FDSB) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.