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Fifth District Bancorp, Inc. Common Stock (FDSB)



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Upturn Advisory Summary
08/14/2025: FDSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Fifth District Bancorp, Inc. Common Stock
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.fifthdistrict.com |
Full time employees 67 | Website https://www.fifthdistrict.com |
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.

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