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Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans; and purchase consumer and commercial business loans. In addition, the company offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. Fifth District Bancorp, Inc. was founded in 1926 and is based in New Orleans, Louisiana.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Fifth District Bancorp, Inc. appears to operate as a regional bank holding company offering deposits, loans and related financial services to local businesses and consumers. Long-term growth may be supported by loan portfolio expansion, net interest margin sensitivity to interest rates and growth in fee-based and digital services, which could support earnings.
Material risks include sensitivity to interest rates and margin compression, deterioration in local loan credit quality, competition for deposits and loans, and regulatory or execution risk.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Income before tax | 4.18M | -1.44M | 0.95M | 3.62M |
| Net income | 4.09M | -1.08M | 0.80M | 2.91M |
| Selling general administrative | 8.12M | 7.19M | 6.53M | 6.41M |
| Selling and marketing expenses | 0.10M | 0.13M | 0.26M | 0.30M |
| Gross profit | 17.27M | 11.28M | 11.35M | 13.73M |
| Reconciled depreciation | 0.67M | 0.69M | 0.55M | 0.53M |
| Ebit | 4.18M | -1.44M | 0.95M | 3.62M |
| Ebitda | 4.86M | -0.74M | 1.49M | 4.16M |
| Depreciation and amortization | 0.67M | 0.69M | 0.55M | 0.53M |
| Operating income | 4.18M | -1.44M | 0.95M | 3.62M |
| Other operating expenses | 22.30M | 20.72M | 16.44M | 11.73M |
| Interest expense | 9.21M | 9.22M | 6.37M | 1.62M |
| Tax provision | 0.10M | -0.36M | 0.15M | 0.71M |
| Interest income | 22.06M | 19.28M | 16.41M | 14.40M |
| Net interest income | 12.85M | 10.06M | 10.05M | 12.78M |
| Income tax expense | 0.10M | -0.36M | 0.15M | 0.71M |
| Total revenue | 26.49M | 19.29M | 17.39M | 15.35M |
| Total operating expenses | 13.08M | 12.71M | 10.40M | 10.11M |
| Cost of revenue | 9.21M | 8.01M | 6.04M | 1.62M |
| Total other income expense net | -8.56M | -20.58M | -10.08M | -2.15M |
| Net income from continuing ops | 4.09M | -1.08M | 0.80M | 2.91M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Total assets | 534.39M | 527.31M | 480.80M | 473.43M |
| Other current assets | - | - | -1.76M | - |
| Total liab | 404.64M | 401.53M | 403.00M | 397.36M |
| Total stockholder equity | 129.76M | 125.78M | 77.80M | 76.07M |
| Other current liab | 393.16M | 391.48M | 390.00M | 388.94M |
| Common stock | 0.05M | 0.06M | - | - |
| Capital stock | 0.05M | 0.06M | 0.00M | - |
| Retained earnings | 86.94M | 83.69M | 84.77M | 83.97M |
| Other assets | 36.88M | 43.10M | 379.35M | 286.88M |
| Cash | 4.99M | 37.92M | 19.31M | 20.28M |
| Total current liabilities | 393.16M | 391.48M | 394.00M | 388.94M |
| Net debt | -4.99M | -37.92M | -15.31M | -20.28M |
| Short term debt | - | - | 4.00M | - |
| Short long term debt | - | 0.00M | 4.00M | 0.00M |
| Short long term debt total | - | - | 4.00M | - |
| Other stockholder equity | 47.19M | 48.94M | - | - |
| Total current assets | 6.99M | 39.88M | 88.96M | 98.74M |
| Long term investments | 99.08M | 92.99M | 67.90M | 76.69M |
| Short term investments | 99.08M | 92.99M | 67.90M | 76.69M |
| Net receivables | 2.00M | 1.97M | 1.76M | 1.77M |
| Inventory | - | - | 1.76M | - |
| Accumulated other comprehensive income | -4.43M | -6.91M | -6.97M | -7.91M |
| Non currrent assets other | 99.08M | 12.73M | 12.26M | 11.12M |
| Non current assets total | 527.40M | 487.42M | 391.83M | 374.68M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Investments | -2.43M | -27.48M | -6.64M | -25.86M |
| Total cashflows from investing activities | -5.03M | -27.48M | -6.64M | -25.86M |
| Net borrowings | 0.00M | -4.00M | 4.00M | 0.00M |
| Total cash from financing activities | -0.36M | 47.15M | 5.11M | 18.35M |
| Net income | 4.09M | -1.08M | 0.80M | 2.91M |
| Change in cash | -4.06M | 18.61M | -0.73M | -3.54M |
| Begin period cash flow | 37.92M | 19.31M | 20.04M | 23.57M |
| End period cash flow | 33.85M | 37.92M | 19.31M | 20.04M |
| Total cash from operating activities | 1.33M | -1.05M | 0.80M | 3.97M |
| Issuance of capital stock | - | 48.75M | 0.00M | - |
| Depreciation | 0.67M | 0.69M | 0.55M | 0.53M |
| Other cashflows from investing activities | -2.22M | -0.68M | -14.44M | -24.80M |
| Change to account receivables | -0.03M | -0.21M | 0.01M | -0.17M |
| Sale purchase of stock | -2.94M | - | - | - |
| Other cashflows from financing activities | 0.90M | 2.40M | 1.11M | 18.35M |
| Capital expenditures | 0.38M | 0.51M | 1.91M | 1.07M |
| Change in working capital | -0.12M | -0.16M | -0.33M | 0.28M |
| Stock based compensation | 0.35M | 0.25M | 0.00M | - |
| Other non cash items | -3.73M | -0.35M | -0.35M | 0.20M |
| Free cash flow | 0.94M | -1.56M | -1.11M | 2.90M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FDSB Fifth District Bancorp, Inc. Common Stock |
- -% |
17.57 | 18.79 | - | 4.85 | 0.61 | 4.60 |
| DBSDY DBS Group Holdings Ltd ADR |
1.63 0.74% |
220.68 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.32 0.93% |
34.21 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.01 0.01% |
93.32 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans; and purchase consumer and commercial business loans. In addition, the company offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. Fifth District Bancorp, Inc. was founded in 1926 and is based in New Orleans, Louisiana.
4000 General DeGaulle Drive, New Orleans, LA, United States, 70114
504 362 7544
66
| Name | Title | Year Born |
|---|---|---|
| Ms. Amie L. Lyons | President, CEO & Director | 1978 |
| Ms. Dodie F. Gervais | Vice President of Lending | 1971 |
| Ms. Brandi S. Roe | Vice President of Marketing, Corporate Secretary & Interim Information Security Officer | 1977 |
| Mr. Shane M. Smith | Vice President & Chief Credit Officer | 1982 |
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