NASDAQ : FDSB

Fifth District Bancorp, Inc. — Financial statements

Financials · Banks - Regional · United States

Last price 17.45 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 91.36M

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Financial statements

Income statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022
Interest Income on Loans17.67M16.84M15.25M14.12M12.52M
Interest Income on Investments5.15M5.22M4.02M2.29M1.88M
Total Interest Income22.82M22.06M19.28M16.41M14.40M
Interest Paid on Deposits8.79M9.21M9.22M6.27M1.62M
Interest Paid on Borrowings4.00K91.00K
Total Interest Expense8.79M9.21M9.22M6.37M1.62M
Net Interest Income14.03M12.85M10.06M10.05M12.78M
Gain (Loss) on Sale of Assets2.00K14.00K141.00K
Gain (Loss) on Sale of Investments-1.14M
Other Non-Interest Income-155.00K3.35M184.00K220.00K766.30K
Total Non-Interest Income63.00K3.57M-602.00K424.00K952.05K
Revenues Before Loan Losses14.09M16.42M9.45M10.47M13.73M
Provision for Loan Losses10.00K10.00K-1.21M-325.00K
Revenue14.08M16.41M10.66M10.80M13.73M
Salaries and Employee Benefits6.59M7.31M6.46M5.95M5.93M
Occupancy Expenses2.07M2.03M1.82M1.66M1.54M
Federal Deposit Insurance216.00K215.00K205.00K204.00K116.52K
Selling, General & Administrative3.15M2.67M2.33M2.00M1.97M
Other Non-Interest Expense31.00K4.00K1.28M43.00K564.85K
Total Non-Interest Expense12.06M12.23M12.10M9.85M10.11M
EBT Excluding Unusual Items2.03M4.18M-1.44M946.00K3.62M
Pretax Income2.03M4.18M-1.44M946.00K3.62M
Income Tax Expense372.00K97.00K-358.00K149.00K712.43K
Net Income1.66M4.09M-1.08M797.00K2.91M
Net Income to Common1.66M4.09M-1.08M797.00K2.91M
Basic Shares Outstanding5.00M5.12M5.13M
Diluted Shares Outstanding5.00M5.12M5.13M
EPS (Basic)0.330.80-0.21
EPS (Diluted)0.330.80-0.21
Effective Tax Rate18.35%2.32%15.75%19.67%

Balance sheet

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022
Cash & Equivalents19.16M33.85M37.92M19.31M20.04M
Investment Securities13.80M13.62M5.25M966.00K1.21M
Mortgage-Backed Securities80.41M85.46M87.74M66.94M75.73M
Total Investments94.21M99.08M92.99M67.90M76.94M
Gross Loans395.06M378.09M369.03M367.84M353.26M
Allowance for Loan Losses-1.70M-1.70M-1.70M-2.80M-3.25M
Net Loans393.36M376.39M367.33M365.04M350.00M
Property, Plant & Equipment11.88M11.64M11.92M12.47M11.12M
Accrued Interest Receivable2.27M2.00M1.97M1.76M1.77M
Long-Term Deferred Tax Assets1.80M1.72M2.45M2.06M2.44M
Other Real Estate Owned & Foreclosed45.00K42.00K42.00K42.00K
Other Long-Term Assets8.81M9.09M12.13M11.68M10.63M
Total Assets532.12M534.39M527.31M480.80M473.43M
Interest Bearing Deposits339.99M341.13M341.52M346.98M387.65M
Institutional Deposits50.10M50.23M48.34M42.23M
Non-Interest Bearing Deposits1.51M1.80M1.62M796.00K1.30M
Total Deposits391.61M393.16M391.48M390.00M388.94M
Short-Term Borrowings4.00M
Pension & Post-Retirement Benefits3.72M3.15M3.06M3.08M
Other Long-Term Liabilities11.52M7.76M6.90M5.94M5.33M
Total Liabilities403.12M404.64M401.53M403.00M397.36M
Common Stock53.00K54.00K56.00K
Additional Paid-In Capital50.43M51.20M53.16M
Retained Earnings87.14M86.94M83.69M84.77M83.97M
Comprehensive Income & Other-8.62M-8.43M-11.14M-6.97M-7.90M
Shareholders' Equity129.00M129.76M125.78M77.80M76.07M
Total Liabilities & Equity532.12M534.39M527.31M480.80M473.43M
Total Debt4.00M
Net Cash (Debt)19.16M33.85M37.92M15.31M20.28M
Net Cash Per Share3.836.617.39
Filing Date Shares Outstanding5.24M5.29M5.56M
Total Common Shares Outstanding5.24M5.35M5.56M
Book Value Per Share24.6424.2622.62
Tangible Book Value129.00M129.76M125.78M77.80M76.07M
Tangible Book Value Per Share24.6424.2622.62

Cash flow statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022
Net Income1.66M4.09M-1.08M797.00K2.91M
Depreciation & Amortization662.00K671.00K694.00K548.00K532.93K
Other Amortization77.92K
Gain (Loss) on Sale of Assets-2.00K-14.00K-141.00K
Gain (Loss) on Sale of Investments70.00K128.00K1.39M268.00K414.11K
Provision for Credit Losses10.00K10.00K-1.21M-325.00K
Accrued Interest Receivable-60.00K-32.00K-210.00K12.00K-174.08K
Change in Other Net Operating Assets-1.08M-92.00K46.00K-345.00K458.74K
Other Operating Activities25.00K-3.79M-793.00K-159.00K-249.04K
Operating Cash Flow1.97M1.33M-1.05M796.00K3.97M
Capital Expenditures-712.00K-384.00K-510.00K-1.91M-1.07M
Sale of Property, Plant and Equipment509.00K
Investment in Securities7.20M-2.43M-26.30M9.95M1.01M
Net Decrease (Increase) in Loans Originated / Sold - Investing-13.79M-9.13M-1.18M-14.67M-25.80M
Other Investing Activities6.77M6.77M-18.00K
Investing Cash Flow-491.00K-5.03M-27.48M-6.64M-25.86M
Long-Term Debt Issued4.00M
Long-Term Debt Repaid-4.00M
Net Debt Issued (Repaid)-4.00M4.00M
Issuance of Common Stock48.75M
Repurchase of Common Stock-4.65M-2.94M
Net Increase (Decrease) in Deposit Accounts-6.64M1.69M1.47M1.06M19.24M
Other Financing Activities1.28M898.00K928.00K54.00K-889.57K
Financing Cash Flow-10.01M-360.00K47.15M5.11M18.35M
Net Cash Flow-8.53M-4.06M18.61M-729.00K-3.54M
Free Cash Flow1.26M942.00K-1.56M-1.11M2.90M
Free Cash Flow Margin8.95%5.74%-14.67%-10.30%21.13%
Free Cash Flow Per Share0.250.18-0.30
Cash Interest Paid9.05M9.28M8.97M5.79M1.37M
Cash Income Tax Paid125.00K592.00K

Ratios

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022
Market Capitalization92.02M83.39M70.16M
Last Close Price17.5715.0012.62
PE Ratio53.0620.40
PS Ratio6.535.086.58
PB Ratio0.710.640.56
P/FCF Ratio73.0388.53
P/OCF Ratio46.6662.89
Debt / Equity Ratio0.05
Net Debt / Equity Ratio-0.15-0.26-0.30-0.20-0.27
Net Debt / FCF Ratio-15.21-35.9424.2413.76-6.99
Return on Equity (ROE)1.27%3.20%-1.06%1.04%
Return on Assets (ROA)0.31%0.77%-0.21%0.17%
Earnings Yield1.88%4.90%-1.54%
FCF Yield1.37%1.13%-2.23%
Buyback Yield / Dilution10.12%0.18%