Fifth District Bancorp Financials
Fifth District Bancorp (FDSB) reported $605K in revenue for fiscal year 2025, down 2.3% from the prior fiscal year. 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).
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
We are recalculating Fifth District Bancorp's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.
Fifth District Bancorp passes 4 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, 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.
Not reported for fiscal year 2025.
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 as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
FDSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Revenue | N/A | $605K-2.3% | $619K+0.8% | $614K |
| SG&A Expenses | N/A | $7.7M+14.3% | $6.7M+12.8% | $5.9M |
| Interest Expense | N/A | $9.2M-0.1% | $9.2M+44.9% | $6.4M |
| Income Tax | N/A | $97K+127.1% | -$358K-340.3% | $149K |
| Net Income | N/A | $4.1M+479.2% | -$1.1M-235.3% | $797K |
| EPS (Diluted) | — | $0.80+481.0% | -$0.21 | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FDSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Total Assets | $534.4M+1.3% | $527.3M+9.7% | $480.8M |
| Cash & Equivalents | $33.9M-10.7% | $37.9M+96.4% | $19.3M |
| Total Liabilities | $404.6M+0.8% | $401.5M-0.4% | $403.0M |
| Total Equity | $129.8M+3.2% | $125.8M+61.7% | $77.8M |
| Retained Earnings | $86.9M+3.9% | $83.7M-1.3% | $84.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Operating Cash Flow | $1.5M | $1.3M+225.8% | -$1.1M-232.4% | $796K |
| Capital Expenditures | $627K | $384K-24.7% | $510K-73.3% | $1.9M |
| Free Cash Flow | $913K | $942K+160.2% | -$1.6M-40.6% | -$1.1M |
| Investing Cash Flow | -$6.7M | -$5.0M+81.7% | -$27.5M-314.0% | -$6.6M |
| Financing Cash Flow | -$1.6M | -$360K-100.8% | $47.1M+821.9% | $5.1M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FDSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Net Margin | 675.7% | -174.2% | 129.8% |
| Return on Equity | 3.1%+4.0pp | -0.9%-1.9pp | 1.0% |
| Return on Assets | 0.8%+1.0pp | -0.2%-0.4pp | 0.2% |
| Debt-to-Equity | 3.12-0.1x | 3.19-2.0x | 5.18 |
| FCF Margin | 155.7% | -252.7% | -181.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Fifth District Bancorp Ranks
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.
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 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.
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.