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Fifth District Bancorp, Inc. (FDSB) vs FIRST US BANCSH (FUSB)

Fifth District Bancorp, Inc. and FIRST US BANCSH are both Banks Regional companies. Fifth District Bancorp, Inc. and FIRST US BANCSH are of similar size ($90.6M and $88.4M). FIRST US BANCSH trades at the lower P/E: 12.2× against 49.7×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.61% against −6.98%. FIRST US BANCSH has the higher net margin (12.1% vs 6.97%) and the higher return on invested capital (12.3% vs 1.10%). Across the 16 metrics below, FIRST US BANCSH leads on 12 and Fifth District Bancorp, Inc. on 4.

Valuation

Metric FDSB FUSB Banks Regional median
P/E 49.71 12.21 11.98
P/S 3.47 1.45 2.34
P/B 0.64 0.89 1.19
Price to free cash flow 65.32 8.75 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.01% 8.19% 8.23%
Free cash flow yield 1.53% 11.43% 9.08%

Profitability

Metric FDSB FUSB Banks Regional median
Gross margin 62.97% 65.18% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 12.10% 18.66%
Free cash flow margin 5.31% 16.56% 21.11%
Return on equity 1.27% 7.53% 10.65%
Return on assets 0.31% 0.68% 1.13%
Return on invested capital 1.10% 12.31% 8.35%

Growth

Metric FDSB FUSB Banks Regional median
Revenue growth (TTM) (6.98%) 3.61% 6.98%
EPS growth (last fiscal year) 480.95% (24.81%) 18.88%
Revenue growth, 5-year CAGR — 6.78% 12.38%
Net income growth, 5-year CAGR — 17.22% 9.71%

Health

Metric FDSB FUSB Banks Regional median
Debt to equity 0.05 0.11 0.22
Current ratio 1.06 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB FUSB Banks Regional median
Dividend yield — 1.70% 2.57%
Payout ratio — 0.21 0.30

Size

Metric FDSB FUSB Banks Regional median
Market cap 88.43m 90.56m 913.33m

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