Fifth District Bancorp, Inc. (FDSB) vs First Northwest Bancorp (FNWB)

Fifth District Bancorp, Inc. and First Northwest Bancorp are both Banks Regional companies. Fifth District Bancorp, Inc. and First Northwest Bancorp are of similar size ($96.0M and $91.7M). First Northwest Bancorp has negative trailing earnings, so its P/E is not meaningful; Fifth District Bancorp, Inc. trades at 52.0×. First Northwest Bancorp grew revenue faster over the last twelve months: −5.00% against −6.98%. Fifth District Bancorp, Inc. has the higher net margin (6.97% vs −0.04%) and the higher return on invested capital (1.10% vs −0.11%). Across the 15 metrics below, Fifth District Bancorp, Inc. leads on 10 and First Northwest Bancorp on 5.

Valuation

Metric FDSB FNWB Banks Regional median
P/E 51.97 n/m 12.02
P/S 3.63 0.80 2.36
P/B 0.67 0.60 1.23
Price to free cash flow 68.30 17.98 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.92% (0.13%) 8.21%
Free cash flow yield 1.46% 5.56% 9.23%

Profitability

Metric FDSB FNWB Banks Regional median
Gross margin 62.97% 60.06% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% (0.04%) 18.82%
Free cash flow margin 5.31% 5.20% 17.97%
Return on equity 1.27% (0.03%) 10.28%
Return on assets 0.31% 0.00% 1.13%
Return on invested capital 1.10% (0.11%) 8.45%

Growth

Metric FDSB FNWB Banks Regional median
Revenue growth (TTM) (6.98%) (5.00%) 6.37%
EPS growth (last fiscal year) 480.95% 36.00% 18.85%
Revenue growth, 5-year CAGR — 11.93% 12.65%
Net income growth, 5-year CAGR — 0.00% 9.81%

Health

Metric FDSB FNWB Banks Regional median
Debt to equity 0.05 2.09 0.17
Current ratio 1.06 1.04 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB FNWB Banks Regional median
Dividend yield — 0.00% 2.49%
Payout ratio — 0.00 0.29

Size

Metric FDSB FNWB Banks Regional median
Market cap 91.67m 96.03m 934.85m

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