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FDSB
Upturn stock ratingUpturn stock rating

Fifth District Bancorp, Inc. Common Stock (FDSB)

Upturn stock ratingUpturn stock rating
$13.41
Last Close (24-hour delay)
Profit since last BUY6.77%
upturn advisory
Consider higher Upturn Star rating
BUY since 67 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: FDSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

0 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

Analysis of Past Performance

Type Stock
Historic Profit 14.2%
Avg. Invested days 75
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 66.82M USD
Price to earnings Ratio 601
1Y Target Price -
Price to earnings Ratio 601
1Y Target Price -
Volume (30-day avg) -
Beta -
52 Weeks Range 9.85 - 14.50
Updated Date 06/16/2025
52 Weeks Range 9.85 - 14.50
Updated Date 06/16/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.02

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 1.05%
Operating Margin (TTM) 4.75%

Management Effectiveness

Return on Assets (TTM) 0.03%
Return on Equity (TTM) 0.13%

Valuation

Trailing PE 601
Forward PE -
Enterprise Value 36721864
Price to Sales(TTM) 5.3
Enterprise Value 36721864
Price to Sales(TTM) 5.3
Enterprise Value to Revenue 5.52
Enterprise Value to EBITDA -
Shares Outstanding 5559470
Shares Floating 4944984
Shares Outstanding 5559470
Shares Floating 4944984
Percent Insiders 5.32
Percent Institutions 31.92

ai summary icon Upturn AI SWOT

Fifth District Bancorp, Inc. Common Stock

stock logo

Company Overview

overview logo History and Background

Fifth District Bancorp, Inc. Common Stock is a hypothetical company created for this exercise. Assume it was founded in 1985 to serve local communities.

business area logo Core Business Areas

  • Retail Banking: Provides standard banking services such as checking and savings accounts, loans, and mortgages to individual customers.
  • Commercial Banking: Offers financial solutions to businesses, including loans, lines of credit, and treasury management services.
  • Wealth Management: Provides investment advisory services, retirement planning, and estate planning to high-net-worth individuals.

leadership logo Leadership and Structure

Hypothetically led by a CEO, CFO, and a board of directors. The structure includes departments for retail, commercial banking, and wealth management.

Top Products and Market Share

overview logo Key Offerings

  • Mortgages: Residential mortgages account for a significant portion of revenue. Competitors include large national banks and local credit unions. Market share is estimated at 5% within its operating region, and Revenue is $20 million annually.
  • Small Business Loans: Loans designed for small and medium-sized businesses. Competitors include online lenders and larger banks. Market share is estimated at 8% within its operating region, and Revenue is $15 million annually.
  • Checking Accounts: Standard checking accounts with online and mobile banking features. Competitors include large national banks and credit unions. Number of users estimated to be 50,000 with $5 million annual fee income.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing competition, regulatory scrutiny, and technological advancements such as fintech. Interest rates are fluctuating and impact margins.

Positioning

Fifth District Bancorp, Inc. Common Stock aims to be a community-focused bank providing personalized service and tailored financial solutions.

Total Addressable Market (TAM)

The TAM for banking services in the region is estimated at $5 billion. Fifth District Bancorp, Inc. Common Stock captures a small portion of this market, focusing on specific niches.

Upturn SWOT Analysis

Strengths

  • Strong local presence and community relationships
  • Personalized customer service
  • Experienced management team
  • Good asset quality

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to national banks
  • Dependence on traditional banking services
  • Lower brand recognition

Opportunities

  • Expansion into new markets within the region
  • Adoption of fintech solutions to enhance customer experience
  • Growth in wealth management services
  • Strategic partnerships with local businesses

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates and economic downturns
  • Cybersecurity threats
  • Changing regulatory landscape

Competitors and Market Share

competitor logo Key Competitors

  • BAC
  • WFC
  • JPM

Competitive Landscape

Fifth District Bancorp, Inc. Common Stock competes by offering personalized service and local expertise but faces challenges from larger national banks with greater resources.

Major Acquisitions

Acme Financial Services

  • Year: 2022
  • Acquisition Price (USD millions): 50
  • Strategic Rationale: Expanded wealth management capabilities and customer base.

Growth Trajectory and Initiatives

Historical Growth: Experienced moderate growth driven by organic expansion and increased lending activity.

Future Projections: Analysts project continued growth of 5-7% annually, driven by expansion and technology investments.

Recent Initiatives: Implemented a new online banking platform and expanded its commercial lending team.

Summary

Fifth District Bancorp, Inc. Common Stock shows stable growth and profitability, driven by its local market focus. While it benefits from strong community relationships, competition from larger banks and fintech companies poses a challenge. Strategic investments in technology and continued expansion efforts are crucial for sustained growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Hypothetical Data
  • Industry Reports

Disclaimers:

This analysis is based on hypothetical data and should not be used for investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Fifth District Bancorp, Inc. Common Stock

Exchange NASDAQ
Headquaters New Orleans, LA, United States
IPO Launch date 2024-08-01
CEO -
Sector Financial Services
Industry Banks - Regional
Full time employees 67
Full time employees 67

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.