A Business at a Glance
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Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “believe,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements include, but are not limited to: ●statements of our goals, intentions and expectations; ●statements regarding our business plans, prospects, growth and operating strategies; ●statements regarding the asset quality of our loan and investment portfolios; and ●estimates of our risks and future costs and benefits. These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control.
| Metric | TTM | FY2024 | FY2023 |
|---|---|---|---|
| Revenue | 7.3M | 619K | 614K |
| Net Income | 3.7M | -1.1M | 797K |
| EPS | $0.72 | $-0.21 | $0.14 |
| Free Cash Flow | 409K | -1.6M | -1.1M |
| ROIC | 2.8% | 10.6% | 1.0% |
| Gross Margin | - | -983.8% | - |
| Debt/Equity | 0.00 | 3.19 | 5.18 |
| Dividends/Share | $0.00 | - | - |
| Operating Income | 34K | 7.8M | 47K |
| Operating Margin | 0.5% | 1257.0% | 7.7% |
| ROE | 2.8% | -1.1% | 1.0% |
| Shares Outstanding | 6M | 5M | 6M |
| Metric | 2023 | ||
|---|---|---|---|
| Income Statement | |||
| Revenue | 614K | 619K | 7.3M |
| Gross Margin | N/A | -983.8% | N/A |
| R&D | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A |
| EBIT | 47K | 7.8M | 34K |
| Op. Margin | 7.7% | 1257.0% | 0.5% |
| Net Income | 797K | -1.1M | 3.7M |
| Net Margin | 129.8% | -174.2% | 50.9% |
| Non-Recurring | 0 | 141K | 141K |
| Returns on Capital | |||
| ROIC | 1.0% | 10.6% | 2.8% |
| ROE | 1.0% | -1.1% | 2.8% |
| ROA | 0.2% | -0.2% | 580.9% |
| Cash Flow | |||
| Op. Cash Flow | 796K | -1.1M | 737K |
| Free Cash Flow | -1.1M | -1.6M | 409K |
| Owner Earnings | 248K | -1.7M | 43K |
| CapEx | 1.9M | 510K | 328K |
| Maint. CapEx | 548K | 694K | 694K |
| Growth CapEx | 1.4M | 0 | 0 |
| D&A | 548K | 694K | 694K |
| CapEx/OCF | N/A | N/A | 44.5% |
| Capital Allocation | |||
| Dividends Paid | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 |
| Balance Sheet | |||
| Net Debt | N/A | N/A | -34M |
| Cash & Equiv. | N/A | N/A | 34M |
| Long-Term Debt | N/A | N/A | N/A |
| Debt/Equity | 5.18 | 3.19 | 0.00 |
| Interest Coverage | 0.0 | 0.8 | 0.8 |
| Equity | 78M | 126M | 131M |
| Total Assets | 481M | 527M | 638K |
| Total Liabilities | 403M | 402M | 395M |
| Intangibles | N/A | N/A | N/A |
| Retained Earnings | 85M | 84M | 84M |
| Working Capital | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A |
| Per Share Data | |||
| EPS | 0.14 | -0.21 | 0.72 |
| Owner EPS | 0.04 | -0.34 | 0.01 |
| Book Value | 13.99 | 24.50 | 23.77 |
| Cash Flow/Share | 0.14 | -0.21 | 0.80 |
| Dividends/Share | N/A | N/A | 0.00 |
| Shares Out. | 5.6M | 5.1M | 5.5M |
| Valuation | |||
| P/E Ratio | N/A | N/A | 20.6 |
| P/FCF | N/A | N/A | 199.8 |
| EV/EBIT | N/A | N/A | N/A |
| Price/Book | N/A | 0.5 | 0.6 |
| Price/Sales | N/A | 93.0 | 11.2 |
| FCF Yield | N/A | -2.4% | 0.5% |
| Market Cap | N/A | 65M | 82M |
| Avg. Price | N/A | 11.22 | 14.80 |
| Year-End Price | N/A | 12.67 | 14.80 |
Fifth District Bancorp, Inc. passes 0 of 9 quality checks, indicating weak fundamentals.
Fifth District Bancorp, Inc. trades at 20.6x trailing earnings, compared to its 15-year median P/E of 15.0x, suggesting it is currently Expensive relative to its historical range. The company's 5-year average ROIC is 5.8%.
Fifth District Bancorp, Inc. (FDSB) has a current P/E ratio of 20.6, compared to its historical median P/E of 15.0. The stock is currently considered Expensive based on its historical valuation range.
Fifth District Bancorp, Inc. (FDSB) has a 5-year average return on invested capital (ROIC) of 5.8%. This is below average and may indicate limited pricing power.
Fifth District Bancorp, Inc. (FDSB) has a market capitalization of $82M. It is classified as a small-cap stock.
Fifth District Bancorp, Inc. (FDSB) does not currently pay a regular dividend.
Based on historical P/E analysis, Fifth District Bancorp, Inc. (FDSB) appears expensive. The current P/E of 20.6 is 37% above its historical median of 15.0.
Fifth District Bancorp, Inc. (FDSB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Fifth District Bancorp, Inc. (FDSB) reported annual revenue of $619 thousand in its most recent fiscal year, based on SEC EDGAR filings.
Fifth District Bancorp, Inc. (FDSB) has a net profit margin of -174.2%. The company is currently unprofitable.
Fifth District Bancorp, Inc. (FDSB) generated $-2 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Fifth District Bancorp, Inc. (FDSB) has a debt-to-equity ratio of 3.19. This indicates higher leverage, which may increase financial risk.
Fifth District Bancorp, Inc. (FDSB) reported earnings per share (EPS) of $-0.21 in its most recent fiscal year.
Fifth District Bancorp, Inc. (FDSB) has a return on equity (ROE) of -1.1%. A negative ROE may indicate losses or negative equity.
Fifth District Bancorp, Inc. (FDSB) has a 5-year average gross margin of -983.8%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 2 years of financial data for Fifth District Bancorp, Inc. (FDSB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Fifth District Bancorp, Inc. (FDSB) has a book value per share of $24.50, based on its most recent annual SEC filing.