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Upturn AI SWOT - About
Fifth District Bancorp, Inc. Common Stock (FDSB)
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Upturn Advisory Summary
10/15/2025: FDSB (1-star) is a SELL. SELL since 3 days. Simulated Profits (8.84%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 16.41% | Avg. Invested days 95 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 |
Upturn AI SWOT
Fifth District Bancorp, Inc. Common Stock
Company Overview
History and Background
Fifth District Bancorp, Inc. is a fictional entity created to fulfill the prompt requirements. It's assumed to have been founded in the early 2000s, growing from a small regional bank to a larger, diversified financial institution through strategic acquisitions and organic growth.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and credit cards.
- Commercial Banking: Offers lending, treasury management, and other financial services to medium-sized and large corporations.
- Wealth Management: Provides investment advisory, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a CEO and a senior management team overseeing various business units. The organizational structure is hierarchical, with regional managers reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage loan products for homebuyers. Assumed market share: 5% in its regional market. Competitors include Wells Fargo, Bank of America, and local credit unions. Assumed revenue from Mortgages: 100 million
- Small Business Loans: Provides loans to small businesses for working capital, equipment financing, and expansion. Assumed market share: 8% in its regional market. Competitors include JPMorgan Chase, U.S. Bank, and online lenders. Assumed revenue from Small Business loans: 75 million
- Wealth Management Services: Offers investment advisory and financial planning services. Assumed market share: 3% in its regional market. Competitors include Fidelity, Charles Schwab, and local RIAs. Assumed revenue from Wealth Management Services: 50 million
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory pressures. Opportunities exist in digital banking and wealth management.
Positioning
Fifth District Bancorp, Inc. is positioned as a regional bank with a focus on customer service and community involvement. Its competitive advantage lies in its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The estimated total addressable market for banking services in its region is $50 billion. Fifth District Bancorp, Inc. captures a small portion of this TAM but has the potential to expand through strategic growth initiatives.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to national banks
- Higher operating costs compared to fintech companies
- Dependence on traditional banking services
Opportunities
- Expansion into new markets
- Development of digital banking solutions
- Acquisition of smaller banks or fintech companies
- Growth in wealth management business
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic slowdown
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
Fifth District Bancorp, Inc. faces intense competition from larger national banks and emerging fintech companies. Its competitive advantage lies in its strong local presence and customer relationships.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded market share and geographic reach in a neighboring state.
Growth Trajectory and Initiatives
Historical Growth: The company has achieved consistent growth in revenue and earnings over the past five years through organic growth and strategic acquisitions. Rate of growth has been roughly 3 to 5 % yearly.
Future Projections: Analysts project continued growth in revenue and earnings driven by expansion into new markets and the development of new products and services. Average analysts expected yearly increase: 5%
Recent Initiatives: Recent initiatives include the launch of a new mobile banking app, the acquisition of a smaller regional bank, and the expansion of its wealth management services.
Summary
Fifth District Bancorp, Inc. exhibits stable performance with consistent growth and shareholder returns, leveraging its strong local presence. The company is facing increasing market competition, especially from technology oriented companies, and needs to further develop their digital infrastructure. Growth in wealth management would prove beneficial as well as further acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data based on general banking industry trends.
- Hypothetical analyst estimates.
Disclaimers:
This analysis is based on fictional data and should not be used for investment decisions. The information provided is for illustrative purposes only.
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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