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Upturn AI SWOT - About
Fifth District Bancorp, Inc. Common Stock (FDSB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: FDSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.17% | Avg. Invested days 59 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fifth District Bancorp, Inc. Common Stock
Company Overview
History and Background
Fifth District Bancorp, Inc. is a fictional company created for this exercise. Assumed founding year is 1980. Significant milestones include expansion into new markets, acquisitions of smaller banks, and implementation of new technologies. Evolution over time includes adapting to changing regulations and customer preferences.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Provides loans, lines of credit, and other financial services to larger businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure is hierarchical, with regional managers reporting to the CEO.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans for purchasing or refinancing properties. Market share is estimated at 5% in the region. Competitors include national banks and mortgage companies.
- Small Business Loans: Loans to small businesses for working capital, equipment purchases, and expansion. Market share is estimated at 8% in the region. Competitors include other regional banks and online lenders.
- Wealth Management Services: Financial planning and investment management for high-net-worth individuals. Competitors include national brokerage firms and independent financial advisors. Average Assets Under Management are $2 billion.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to strict regulation. It is currently facing challenges such as rising interest rates, increased competition from fintech companies, and economic uncertainty.
Positioning
Fifth District Bancorp, Inc. is a regional bank with a strong presence in its local markets. It differentiates itself through personalized service and a focus on community involvement.
Total Addressable Market (TAM)
The total addressable market for banking services in the Fifth District's operating region is estimated at $50 billion annually. Fifth District Bancorp, Inc., with its current market share, is positioned to capture a portion of this large market.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Solid capital base
- High customer satisfaction
Weaknesses
- Limited geographic reach
- Lower technology adoption compared to larger banks
- Concentration in certain loan sectors
- Reliance on traditional banking products
Opportunities
- Expansion into new markets within the region
- Development of new digital banking products
- Acquisition of smaller banks
- Increased demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Competitor A (CMA)
- Competitor B (CMB)
- Competitor C (CMC)
Competitive Landscape
Fifth District Bancorp, Inc. competes with larger national banks and smaller community banks. Its competitive advantages include personalized service and a focus on local markets.
Major Acquisitions
Acquired Company Name
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market presence in a key geographic area.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth in revenue and earnings over the past several years.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by expansion into new markets and the development of new products.
Recent Initiatives: Recent strategic initiatives include the launch of a new mobile banking app, the acquisition of a smaller bank, and the expansion of wealth management services.
Summary
Fifth District Bancorp, Inc. shows steady financial performance with strong customer relationships. However, it should focus on technological advancements to stay competitive. Growth opportunities lie in new markets and product innovation, but must manage risks from fintech disruption and economic uncertainty. Overall, the company is stable but must adapt to thrive in the changing banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data based on industry trends
Disclaimers:
This analysis is based on fictional data and is for illustrative purposes only. It should not be considered investment advice.
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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