Fifth District Bancorp, Inc.
FDSB
Analytical Summary
Fifth District Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.
4-Year Financial Trajectory
AnnualBullish Indicators
- Operating Margin (%)Operating Margin (%) is in the top quartile
- Profit Margin (%)Profit Margin (%) is in the top quartile
Bearish Risks
- No bearish risks detected.
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Revenue Growth YoY (%) |
71.6%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+1094%)
|
-8.7%
Weak
Weak
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-244%)
|
— | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Operating Margin (%) (%) |
24.2%
Good
↑
Good
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
At sector avg
|
-14.3%
Weak
Weak
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-157%)
|
8.6%
Caution
Caution
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-66%)
|
— |
| Effective Tax Rate (%) (%) |
2.3%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
24.9%
Fair
Fair
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
15.8%
Good
Good
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
| Profit Margin (%) (%) |
23.7%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+8%)
|
-10.7%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-149%)
|
7.2%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-67%)
|
— |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
0.8%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
-0.2%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
0.2%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— |
| Return on Common Equity (%) (%) |
3.2%
Weak
↑
Weak
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-74%)
|
-0.9%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-107%)
|
1.0%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-91%)
|
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $17.28M | $10.07M | $11.02M | — |
| Depreciation Expense (USD) | $671.00K | $694.00K | $548.00K | — |
| Net Income, GAAP (USD) | $4.09M | $-1.08M | $797.00K | — |
| Operating Cash Flow (USD) | $1.33M | $-1.05M | $796.00K | — |
Secondary lens
Benchmark Lens
Compare FDSB against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare FDSB against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for FDSB
Operating Margin (%) is in the top quartile
Profit Margin (%) is in the top quartile
No bearish signals detected
Percentile Rankings
How FDSB compares to all companies
Peer Comparison
FDSB vs similar peers
Compare FDSB with peers
Stack FDSB against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 4 years · 14 quarters