$15.07
-0.72%Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. The company offers a range of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans; and purchases commercial business loans. In addition, it offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is based in New Orleans, Louisiana.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Strong net margins indicate efficient operations and favorable tax/interest management.
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
FDSB • NASDAQ
| Fifth District Savings Bank Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
REVENUE | ||||
26.5M | 19.3M | 17.4M | 15.4M | |
GROSS PROFIT | ||||
(9.2M) | (8M) | (6M) | (1.6M) | |
17.3M | 11.3M | 11.3M | 13.7M | |
OPERATING INCOME | ||||
(13.1M) | (12.7M) | (10.4M) | (10.1M) | |
(8.2M) | (7.3M) | (6.8M) | (6.7M) | |
4.2M | -1.4M | 946K | 3.6M | |
PRE-TAX INCOME | ||||
(9.2M) | (9.2M) | (6.4M) | (1.6M) | |
12.8M | 10.1M | 10M | 12.8M | |
(4.9M) | (5.4M) | (3.6M) | (3.4M) | |
4.2M | -1.4M | 946K | 3.6M | |
NET INCOME | ||||
(97K) | -358K | (149K) | (712.4K) | |
4.1M | -1.1M | 797K | 2.9M |
FDSB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 18, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 13, 2026 | May 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 24, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 09, 2026 | February 09, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 10, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | September 16, 2025 | September 15, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 25, 2025 | August 25, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 12, 2025 | June 30, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | August 08, 2025 | September 15, 2025 | 2025 |
Continue your FDSB research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.