Friday 6 November 2026 Export FDSB’s income statement to Excel — free account

Fifth District Bancorp, Inc.

Fifth District Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $26.5 million, up 37.3% from fiscal 2024.

Revenue: −34.4%
EPS: −86.9%
Free cash flow: +457.0%
Total debt: +27.4%

Quarter to June 2026, against a year earlier

17.67 0.01 +0.06%

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Market cap: $91.7M
P/E: 52.0×
Fwd P/E: —
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Sold, $m 0.20

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	2	—	—	1	—	—	—

Insider Ownership 10.88%

Capital & Financial Ratios $m

Size

Market Cap 91.67

Revenue ttm 23.73

Net income ttm 1.66

Free cash flow ttm 1.26

Net debt Q (13.23)

Valuation

P/E 51.97

Forward P/E —

Price / sales 3.63

Forward P/S Powerpack

Price / FCF 68.30

Price / book 0.67

Financial health

Current ratio Q 1.06

Debt / equity Q 0.05

Interest coverage Q —

Growth

Revenue growth Q −34.40%

Operating income growth Q −84.02%

EPS, this year −72.60%

EPS, next year A —

Revenue, next year A —

EPS, past 5 yrs —

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

Dividends

Yield: —
Annual rate: —
Payout ratio: —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	19	38	34	19
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	386	407	412	415

	2023	2024	2025	Q'26
Payables	390	391	393	392
ST’ Debt	—	—	—	—
Other	—	—	—	—
	390	391	393	392

Compound Annual Growth %

	10y	5y	3y
Sales	—	—	—
Cash Flow	—	—	—
Earnings	—	—	—
Book Value	—	—	—

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.08	0.08	—	—	—
’25	0.02	0.61	0.07	0.11	0.80

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	6	6	—	—	—
’25	5	9	6	6	26
’24	3	5	5	5	19

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	1	—	—	—
’25	1	0	0	0	1
’24	(1)	0	1	(1)	(1)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	1	—	—	—
’25	1	0	0	0	1
’24	(1)	(1)	1	0	(1)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	—	—	—	—	—	17	19	26	24		+23.4%	—	—	—	—
	Gross margin, %	—	—	—	—	—	—	—	63.39	52.19	65.23	62.97		+1.8 pt	Powerpack Fifth District Bancorp, Inc.’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	—	—	—	—	—	1	(1)	4	2		+110.3%
	EBT margin, %	—	—	—	—	—	—	—	5.44	(7.45)	15.80	8.54		+10.4 pt
	Net income	—	—	—	—	—	—	—	1	(1)	4	2		+126.5%
Per share, $
Per share, $	Revenue	—	—	—	—	—	—	—	0.00	3.76	5.17	4.87		n/m
	Earnings	—	—	—	—	—	—	—	—	(0.21)	0.80	0.34		n/m
	Cash flow	—	—	—	—	—	—	—	0.00	(0.21)	0.26	0.40		n/m
	Capex	—	—	—	—	—	—	—	0.00	0.00	(0.07)	(0.15)		n/m
	Free cash flow	—	—	—	—	—	—	—	0.00	(0.21)	0.18	0.26		n/m
	Book value	—	—	—	—	—	—	—	0.00	24.51	25.33	26.49		n/m
	Shares, m	—	—	—	—	—	—	—	—	5	5	5		(0.2%)
Valuation, ×
Valuation, ×	P/E	—	—	—	—	—	—	—	24.45	24.45	18.63	51.97		22.5
	P/S	—	—	—	—	—	—	—	0.00	3.36	2.90	3.63		2.1
	P/B	—	—	—	—	—	—	—	0.00	0.51	0.59	0.67		0.4
	EV/Sales	—	—	—	—	—	—	—	(2.43)	1.67	1.86	—		0.4
	EV/FCF	—	—	—	—	—	—	—	15.33	(30.44)	52.18	—		12.4
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	—	—	—	1	(1)	1	2		+29.1%
	Capex	—	—	—	—	—	—	—	(2)	0	0	(1)		(55.1%)
	Free cash flow	—	—	—	—	—	—	—	(1)	(1)	1	1		n/m
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	—	—	(4)	16	19	23		n/m
	Net debt	—	—	—	—	—	—	—	(11)	(33)	(28)	(13)		+58.9%
	Shareholders’ equity	—	—	—	—	—	—	—	78	126	130	129		+29.1%
Returns, %
Returns, %	ROA	—	—	—	—	—	—	—	0.00	(0.21)	0.77	0.31		+0.8 pt
	ROIC	—	—	—	—	—	—	—	0.88	(0.96)	2.56	1.10		+1.7 pt
	ROE	—	—	—	—	—	—	—	0.00	(1.06)	3.20	1.27		+3.2 pt
People
People	Employees	—	—	—	—	—	—	—	—	68	67	—		(1.5%)
	Revenue/emp, $m	—	—	—	—	—	—	—	0.00	0.28	0.40	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BYFC Broadway Financial Corporation	$106.9M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$105.6M	836×	—	+9.22% (above 0%: growing)	+7,976.92% (above 0%: growing)	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
FNWB First Northwest Bancorp	$96.0M	— (loss-making)	128×	−3.97% (below 0%: shrinking)	n/m	−247.30% (below 0%: shrinking)	59.40%	0.00%	Compare
AUBN Auburn National Bancorporation, Inc.	$92.1M	10.7×	—	+5.12% (above 0%: growing)	+26.92% (above 0%: growing)	−25.23% (below 0%: shrinking)	76.51%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$91.7M	52.0×	—	−34.40% (below 0%: shrinking)	−86.89% (below 0%: shrinking)	+457.01% (above 0%: growing)	65.53%	0.00%
CPBI Central Plains Bancshares, Inc.	$86.8M	17.5×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
FUSB FIRST US BANCSH	$84.5M	11.9×	—	−0.42% (below 0%: shrinking)	+9.09% (above 0%: growing)	−0.33% (below 0%: shrinking)	67.30%	0.00%	Compare
UBCP United Bancorp, Inc.	$83.3M	10.4×	10.5×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$82.9M	9.6×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
Median of peers	$89.4M	11.3×	10.5×	+4.58%	+26.92%	−12.78%	68.73%	0.00%

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