US · FDSB
Fifth District Savings Bank
- Sector
- Financial Services · Banks - Regional
- Headquarters
- New Orleans, MD 70114
- Website
- fifthdistrict.com
Price · as of 2024-12-31
$15.16
Market cap 82.4M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $583.83 | +3,752.39% |
| Intrinsic Value(DCF) | $19.05 | +25.7% |
| Graham-Dodd Method(GD) | $23.49 | +55% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
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| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
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| 2021 | |||||
| 2022 | |||||
| 2023 | $14.71 | $2.98 | |||
| 2024 | $12.35 | $583.83 | $23.55 | $23.49 | $0.00 |
AI valuation
Our deep-learning model estimates Fifth District Savings Bank's (FDSB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $583.83
- Current price
- $15.16
- AI upside
- +3,752.39%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$19.05
+25.7% upside
Graham-Dodd
$23.49
+55% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FDSB | Fifth District Savings Ba… | $15.16 | 82.4M | +3,752% | +26% | +55% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| BOTJ | Bank of the James Financi… | $19.92 | 90.5M | +1,422% | +296% | +36% | +38% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| CLST | Catalyst Bancorp, Inc. | $16.50 | 67.88M | +2,412% | +212% | +50% | +104% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| CPBI | Central Plains Bancshares… | $17.77 | 74.73M | +399% | -18% | +50% | +19% | 15.50 | 0.68 | 2.07 | -5.34 | — | 0.68 | 69.19% | 16.56% | 13.38% | 4.52% | 10.49% | 0.75% | 0.00 | 0.55 | — | — | -6.34 | -1233.00% | 1468.00% | -18950.00% | -5.42% | — | -8.81% | 0.00% | 0.00% | 31.68% | -5.34 | 7.88 | -0.88 | 0.30 |
| FNWB | First Northwest Bancorp | $9.27 | 82.98M | +1,628% | -14% | +54% | — | -21.37 | 0.57 | 0.84 | -27.97 | — | 0.58 | 47.27% | -5.47% | -3.91% | -2.69% | -2.73% | -0.19% | 2.17 | -0.12 | 2.26 | 2.26 | -62.90 | -3600.00% | -841.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -24.68 | — | 1.35 | 0.74 |
| FUSB | First US Bancshares, Inc. | $15.28 | 88.12M | +486% | +21% | +26% | +62% | 9.46 | 0.78 | 1.25 | 2.17 | — | 0.85 | 63.24% | 17.39% | 13.21% | 8.64% | -62.72% | 0.75% | 0.21 | 0.49 | 0.08 | 0.08 | -2.11 | 0.00% | 1010.00% | -5121.00% | 7.32% | 0.01 | -43.46% | 1.64% | 15.50% | 3.76% | 2.52 | 4.78 | 0.44 | -0.71 |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| PBHC | Pathfinder Bancorp, Inc. | $13.13 | 81.22M | +229% | +33% | +22% | -0% | 29.73 | 0.83 | 1.20 | -9.82 | — | 0.91 | 42.09% | 6.18% | 4.05% | 2.81% | -50.14% | 0.23% | 1.12 | 0.14 | 0.24 | 0.24 | 16.15 | -7219.00% | 1624.00% | -7864.00% | 2.86% | 0.01 | -29.87% | 2.36% | 70.30% | 59.96% | -12.37 | -22.19 | -0.76 | -0.59 |
| SSBI | Summit State Bank | $13.07 | 87.26M | +1,441% | +13% | +54% | -76% | 12.73 | 0.86 | 1.47 | 3.01 | — | 0.86 | 55.78% | 15.24% | 11.55% | 7.05% | 48.92% | 0.66% | 0.06 | 0.38 | 0.11 | 0.11 | -6.65 | -26290.00% | -517.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 16.30% | 3.01 | — | 0.46 | -0.50 |
| UBCP | United Bancorp, Inc. | $14.90 | 86.03M | +1,669% | +411% | +34% | +50% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
About Fifth District Savings Bank
Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. The company offers a range of deposit accounts, including checking 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 purchases commercial business loans. In addition, it offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is based in New Orleans, Louisiana.
- CEO
- Amie L. Lyons
- Employees
- 67
- Beta
- 0.47
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($19.05 ÷ $15.16) − 1 = +25.7% (DCF, example).