Fifth District Bancorp, Inc. (FDSB) intrinsic value & 10-year financials
Fifth District Bancorp, Inc. (FDSB) has a Graham intrinsic value of $4.85 per share. At $16.88 on Oct 17, 2026, the stock trades 248% above that value. Over the last 4 fiscal years revenue shrank 0.7% a year to $605.0K, with an average return on invested capital of 1.1%.
- Graham intrinsic value
- $4.85
- Share price (Oct 17, 2026)
- $16.88
- Price vs Graham value
- 248% above
- Market cap
- $86.5M
- Revenue (FY2025)
- $605.0K
- Revenue growth (4-yr CAGR)
- -0.7%
- ROIC (10-yr avg)
- 1.1%
- Free cash flow (FY2025)
- $942.0K
FDSB 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $605.0K | $4.1M | $0.80 | $942.0K | — | 3.2% |
| FY2024 | $619.0K | -$1.1M | -$0.21 | -$1.6M | — | -1.1% |
| FY2023 | $614.0K | $797.0K | — | -$1.1M | — | 1.0% |
| FY2022 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Fifth District Bancorp, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Fifth District Bancorp, Inc. has historically struggled to out-earn its cost of capital, averaging just 1.1% ROIC.
Fifth District Bancorp, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Fifth District Bancorp, Inc. is modeled at -0.7% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $4.85 per share.