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Upturn AI Summary - About
Fifth District Bancorp, Inc. Common Stock(FDSB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FDSB
10/28/2026: FDSB (3-star) is currently NOT-A-BUY. Pass it for now.
Fifth District Bancorp, Inc. is a small-cap bank holding company operating through its subsidiary, Fifth District Savings Bank, primarily serving the New Orleans metropolitan area. The company has a long history dating back to 1926 and recently transitioned to a public stock form in 2024. Its business strength lies in its established community relationships and focus on residential mortgage lending. While the company benefits from a stable deposit base, it faces risks related to geographic concentration and intense competition from larger banks. Potential investors should monitor the effectiveness of its capital allocation strategies and loan portfolio quality given its limited scale.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company's small scale and limited historical data as a public entity make it a speculative growth play rather than a proven compounder. |
| Momentum investor | Mixed fit | Momentum is conditional on technical support levels following the IPO; the stock currently lacks high-volume institutional momentum. |
| Value investor | Mixed fit | Value investors may be attracted to the bank's tangible book value, but the limited liquidity presents a hurdle for larger value-oriented positions. |
| Dividend investor | Weak fit | The company does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Small-cap banking stocks in concentrated geographies are subject to higher volatility and sector-specific risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock's limited float and micro-cap status can lead to significant price swings on low trading volume. |
| Valuation risk | Medium | As a recently public entity, the market is still determining a stable valuation multiple for the company's assets. |
| Competition risk (regional banking competition) | High | Intense competition from larger banks for deposits and loans in the New Orleans area could pressure margins. |
| Business quality | Medium | The bank relies on a traditional model which lacks the diversification of larger, multi-regional financial institutions. |
| Dividend income | Low / none | The absence of a dividend removes the income component typically desired by bank stock investors. |
| Execution risk | Medium | Management must demonstrate the ability to scale operations efficiently while navigating post-IPO regulatory requirements. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 43.11% | Avg. Invested days 90 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 90.21M USD | Price to earnings Ratio 50.68 | 1Y Target Price - |
Price to earnings Ratio 50.68 | 1Y Target Price - | ||
Volume (30-day avg) 6.4K shares | Beta 0.24 | 52 Weeks Range 13.00 - 18.69 | Updated Date 10/28/2026 |
52 Weeks Range 13.00 - 18.69 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.34 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential, commercial, and construction loans minus interest paid on deposits. | The bank primarily makes money by charging more interest on loans than it pays to depositors. |
| Fee-based Services | Service charges on deposit accounts and miscellaneous banking service fees. | Secondary revenue from account maintenance fees and electronic banking services provides a stable, smaller income stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 50.68 | Forward PE - | Enterprise Value 71.05M | Price to Sales(TTM) 6.41 |
Enterprise Value 71.05M | Price to Sales(TTM) 6.41 | ||
Enterprise Value to Revenue 6.12 | Enterprise Value to EBITDA - | Shares Outstanding 5.24M | Shares Floating 4.79M |
Shares Outstanding 5.24M | Shares Floating 4.79M | ||
Percent Insiders 8.76 | Percent Institutions 33.88 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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