What is Fifth District Bancorp, Inc.'s (FDSB) StockRank?

MoatMap's StockRank for Fifth District Bancorp, Inc. (FDSB) is 46/100, with a Hold signal. This is a composite score combining Quality (35), Value (33), and Momentum (72) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Fifth District Bancorp, Inc. have an economic moat?

Fifth District Bancorp, Inc. (FDSB) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Fifth District Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Fifth District Bancorp, Inc. (FDSB) is Hold, based on a StockRank of 46/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Fifth District Bancorp, Inc. in?

Fifth District Bancorp, Inc. (FDSB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FDSB

HoldHot Air

Fifth District Bancorp, Inc. · Financial Services · United States · $96M · Avg Vol: $103K/d

StockRank

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P/E (TTM)

54.8x

ROE

1.3%

D/E

0.0x

Dividend %

—

COMPANY DESCRIPTION

Fifth District Bancorp, Inc. operates as the holding company for Fifth District Savings Bank, providing community banking services in the New Orleans metropolitan area. The company's competitive moat is built on its deep-rooted local relationships, conservative underwriting, and stable deposit base. It is a traditional regional bank focused on residential mortgages and consumer banking services.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	13.7M	11.0M	10.1M	17.3M	8.0%	14.1M
EPS	0.52	0.14	-0.21	0.80	15.2%	0.34
Shares	5.6M	5.6M	5.6M	5.3M	-3.8%	5.2M
Debt	0	4.0M	0	—	—	—
Equity	76.1M	77.8M	125.8M	129.8M	19.5%	—
Op CF	4.0M	0.8M	-1.1M	1.3M	-30.6%	2.0M
Inv CF	-25.9M	-6.6M	-27.5M	-5.0M	—	—
Fin CF	18.3M	5.1M	47.1M	-0.4M	—	—

Loading 1Y...

PRICE (1Y)+6.0%

SMA 50SMA 200

$18.69

RSI (14)

54.0

52W High

$18.69

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.3%*18.3

ROE

1.3%13.2

GP/Assets

2.6%N/A

Op. Margin

13.6%30.3

FCF/Assets

0.2%N/A

Piotroski

578.9

Int. Cover

—50.0

D/E Ratio

0.00xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

54.8x5.1

EV/EBITDA

bankN/A

P/FCF

104.7xN/A

P/B

0.8x82.4

P/S

6.9x23.8

Div Yield

—N/A

Momentum

52W High %

100%99.0

RS 6M

13%77.4

SMA 50/200

1.14x82.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-88%1.6

FUNDAMENTALS

Market Cap

$96M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FDSB are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FDSB	Fifth District Bancorp, Inc.(you)	$96M	46	Hold
FSEA	First Seacoast Bancorp, Inc.	$81M	49	Hold
BSBK	Bogota Financial Corp.	$118M	43	Hold
BYFC	Broadway Financial Corporation	$114M	52	Hold
NSTS	NSTS Bancorp, Inc.	$69M	42	Hold
PBHC	Pathfinder Bancorp, Inc.	$101M	56	Hold
UBCP	United Bancorp, Inc.	$90M	59	Hold
TCBS	Texas Community Bancshares, Inc.	$50M	44	Hold
PROV	Provident Financial Holdings, Inc.	$115M	59	Hold
CBFV	CB Financial Services, Inc.	$191M	42	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Fifth District Bancorp, Inc. (FDSB): Stock Score Summary

Fifth District Bancorp, Inc. (FDSB) has a MoatMap StockRank of 46/100 based on Quality (35/100), Value (33/100), and Momentum (72/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$18.69
Market Cap	$96M
P/E (TTM)	54.84
Price/Book	0.76
Return on Equity	1.3%
Debt/Equity	0.00x
Operating Margin	13.6%
Revenue Growth	-42.4%
Free Cash Flow	$913K

Fifth District Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Fifth District Bancorp, Inc.’s (FDSB) StockRank?: MoatMap’s StockRank for Fifth District Bancorp, Inc. (FDSB) is 46/100, with a Hold signal. It is a composite of Quality (35), Value (33), and Momentum (72) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Fifth District Bancorp, Inc. have an economic moat?: Fifth District Bancorp, Inc. (FDSB) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Fifth District Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Fifth District Bancorp, Inc. (FDSB) is Hold, based on a StockRank of 46/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Fifth District Bancorp, Inc. in?: Fifth District Bancorp, Inc. (FDSB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).