Fifth District Bancorp, Inc. (FDSB) vs Summit State Bank (SSBI)

Fifth District Bancorp, Inc. and Summit State Bank are both Banks Regional companies. Fifth District Bancorp, Inc. is the larger, with a market value of $93.3M against $81.7M — 1.1× the size. Summit State Bank trades at the lower P/E: 36.6× against 52.6×. Fifth District Bancorp, Inc. grew revenue faster over the last twelve months: −6.98% against −7.63%. Fifth District Bancorp, Inc. has the higher net margin (6.97% vs 3.87%) and the higher return on invested capital (1.10% vs 0.00%). Across the 16 metrics below, Fifth District Bancorp, Inc. leads on 9 and Summit State Bank on 7.

Valuation

Metric FDSB SSBI Banks Regional median
P/E 52.65 36.59 12.15
P/S 3.67 1.44 2.37
P/B 0.68 n/m 1.21
Price to free cash flow 69.18 13.89 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 1.44 2.27
Earnings yield 1.90% 2.73% 8.11%
Free cash flow yield 1.45% 7.20% 8.98%

Profitability

Metric FDSB SSBI Banks Regional median
Gross margin 62.97% 100.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 3.87% 18.66%
Free cash flow margin 5.31% 0.00% 21.18%
Return on equity 1.27% 0.00% 10.64%
Return on assets 0.31% 0.00% 1.13%
Return on invested capital 1.10% 0.00% 8.33%

Growth

Metric FDSB SSBI Banks Regional median
Revenue growth (TTM) (6.98%) (7.63%) 6.61%
EPS growth (last fiscal year) 480.95% 287.04% —
Revenue growth, 5-year CAGR — 7.55% 12.30%
Net income growth, 5-year CAGR — (8.36%) 9.71%

Health

Metric FDSB SSBI Banks Regional median
Debt to equity 0.05 0.08 0.22
Current ratio 1.06 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB SSBI Banks Regional median
Dividend yield — 6.09% 3.75%
Payout ratio — 0.21 0.27

Size

Metric FDSB SSBI Banks Regional median
Market cap 93.30m 81.73m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack