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Fifth District Savings Bank (FDSB)
USD17.75
+0.10 (+0.57%)
US NASDAQ Financial Services Banks - Regional
Address
4000 General DeGaulle Drive 70114
New Orleans, MD, US
New Orleans, MD, US
CEO
Amie L. Lyons
Website
fifthdistrict.com
IPO
2024-08-01
CIK 2012726 ISIN US3169261043
Description
Fifth District Savings Bank, the primary financial institution under Fifth District Bancorp, Inc., delivers a comprehensive range of banking products and services, primarily serving the New Orleans-Metairie Metropolitan Statistical Area. The institution offers a diverse suite of deposit products, including conventional checking accounts, higher-yield money market accounts, and certificates of deposit (CDs). Its lending activities encompass fixed-rate residential mortgage loans for one-to-four family homes, along with originating construction, home equity, and land loans. The bank also facilitates home equity lines of credit (HELOCs) and share loans, and selectively acquires commercial business loans. To complement its traditional offerings, the bank provides a robust array of electronic banking solutions. These include convenient mobile and online banking platforms, telephone banking services, bill payment capabilities, and secure electronic funds transfers facilitated by SmartPay. Established in 1926, Fifth District Savings Bank maintains its headquarters in New Orleans, Louisiana.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD17.75
+0.10 (+0.57%)
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Volume Profile
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Liquidity & share structure
Average Volume
10.1K
Beta
0.28
Float Shares
4.89M
Free Float %
92.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.13% | -0.40% | +2.16% | +0.07% | +13.94% | +0.80% | +20.48% | +47.51% | +47.51% | +47.51% | +47.51% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
17.75
DCF (Unlevered)
13.41
-24.5%
DCF (Levered)
7.39
-58.4%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Quality scores
Altman Z-Score
1.58
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
-
Revenue growth+37.3% Q1'26: +3.3% (vs Q1'25)
-
EPS growth+481.0% Q1'26: +276.0% (vs Q1'25)
-
FCF margin— Q1'26: +18.3% (vs Q1'25)
-
EBIT margin— Q1'26: +8.7% (vs Q1'25)
-
ROIC— Q1'26: +6.4% (vs Q1'25)
-
Share dilution+0.4% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.00× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-06 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-05 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-04 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-29 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
2.61M
OE per share TTM
0.51
Owner's Yield
3.37%
Maintenance CapEx ratio
494.12%
Maint CapEx / Avg PPE
60.1%
Ownership Overview
Ownership breakdown
At a glance
Institutional holders
8
Total invested
6.36M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
From
To
13F snapshot — 2026 Q1
Investors holding
8
-16 vs prev Q
New positions
3
Closed positions
19
Increased
5
Reduced
0
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | — | 233.2K +233.2K (+100.0%) | 3.46M +3.5M (+100.0%) | 4.53% +4.534 pp | 0.00% +0.000 pp | USD14.82 +0.0% | 1 qtrs NEW |
| 2 | STILWELL VALUE LLC | 80.0K +— (+0.0%) | 1.19M -14.4K (-1.2%) | 1.55% +0.000 pp | 0.71% +0.049 pp | USD11.42 +29.8% | 7 qtrs — |
| 3 | TRUWEALTH ADVISORS, LLC | 37.7K +2.7K (+7.8%) | 559.3K +34.3K (+6.5%) | 0.73% +0.053 pp | 0.03% +0.001 pp | USD13.90 +6.6% | 3 qtrs — |
| 4 | ARCUS CAPITAL PARTNERS, LLC | 36.5K +92.0 (+0.3%) | 541.0K -5.2K (-1.0%) | 0.71% +0.002 pp | 0.19% -0.002 pp | USD13.80 +7.4% | 5 qtrs — |
| 5 | VANGUARD FIDUCIARY TRUST CO | 27.7K +27.7K (+100.0%) | 411.2K +411.2K (+100.0%) | 0.54% +0.539 pp | 0.00% +0.000 pp | USD14.82 +0.0% | 1 qtrs NEW |
| 6 | KESTRA PRIVATE WEALTH SERVICES, LLC | 10.3K +— (+0.0%) | 152.1K -1.8K (-1.2%) | 0.20% +0.000 pp | 0.00% +0.000 pp | USD12.62 +17.4% | 6 qtrs — |
| 7 | VANGUARD GLOBAL ADVISERS, LLC | 3.0K +3.0K (+100.0%) | 45.0K +45.0K (+100.0%) | 0.06% +0.059 pp | 0.00% +0.000 pp | USD14.82 +0.0% | 1 qtrs NEW |
| 8 | AMERICAN CAPITAL ADVISORY, LLC | 550.00 +— (+0.0%) | 8.2K -99.0 (-1.2%) | 0.01% +0.000 pp | 0.00% 0.000 pp | USD12.68 +16.9% | 6 qtrs — |
| 9 | UBS GROUP AG | — -7.0 (-100.0%) | — -105.0 (-100.0%) | 0.00% 0.000 pp | 0.00% +0.000 pp | USD— | 7 qtrs SOLD |
Ownership breakdown by holder
ETF Ownership
Top ETFs holding this stock
Held by 16 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares Micro-Cap ETF IWC | 0.02% | 298.6K | 0.60% |
| 2 | Dimensional - US Vector Equity ETF DXUV | 0.00% | 13.4K | 0.28% |
| 3 | Vanguard Extended Market ETF VXF | 0.00% | 792.0K | 0.05% |
| 4 | Dimensional - US Sustainability Core 1 ETF DFSU | 0.00% | 12.9K | 0.15% |
| 5 | Dimensional - US Core Equity 1 ETF DCOR | 0.00% | 13.0K | 0.14% |
| 6 | Vanguard U.S. Total Market Shares Index ETF VTS.AX | 0.00% | 5.5K | 0.03% |
| 7 | Vanguard U.S. Total Market Index ETF VUN.TO | 0.00% | 15.1K | 0.17% |
| 8 | Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO | 0.00% | 1.1K | 0.17% |
| 9 | Vanguard Total Stock Market ETF VTI | 0.00% | 2.58M | 0.03% |
| 10 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 5.7K | 0.22% |
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
3
Sells
0
Shares acquired
93.4K
Shares disposed
—
Cash buys
—
Cash sales
—
Net activity
+93,399
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-02-09 | Smith Shane Michael | Officer | A-Award | A | Common Stock | 11,118 | 0.00 | — | 18,502 | D | ↗ |
| 2026-02-09 | Lyons Amie L. | Director / Officer | A-Award | A | Common Stock | 31,133 | 0.00 | — | 31,133 | D | ↗ |
| 2026-02-09 | Gervais Dodie F. | Officer | A-Award | A | Common Stock | 31,133 | 0.00 | — | 31,133 | D | ↗ |
| 2026-02-09 | Burns Melissa C. | Officer | A-Award | A | Common Stock | 31,133 | 0.00 | — | 31,133 | D | ↗ |
| 2025-09-18 | Sins Linda A. | Director | S-Sale | D | Common Stock | 150 | 13.95 | 2.1K | 0 | I | ↗ |
| 2025-09-16 | Sins Linda A. | Director | A-Award | A | Stock Options | 27,797 | 13.94 | 387.5K | 27,797 | D | ↗ |
| 2025-09-16 | Rittiner Chris M. | Director | A-Award | A | Common Stock | 11,118 | 0.00 | — | 36,118 | D | ↗ |
| 2025-09-16 | Nolan David Charles | Director | A-Award | A | Stock Options | 27,797 | 13.94 | 387.5K | 27,797 | D | ↗ |
| 2025-09-16 | Lambert Nolan P. | Director | A-Award | A | Stock Options | 27,797 | 13.94 | 387.5K | 27,797 | D | ↗ |
| 2025-09-16 | Abry Herman Greg | Director | A-Award | A | Common Stock | 11,118 | 0.00 | — | 41,118 | D | ↗ |
| 2025-08-22 | Smith Shane Michael | Officer | P-Purchase | A | Common Stock | 2,701 | 13.45 | 36.3K | 7,384 | D | ↗ |
| 2025-06-01 | Smith Shane Michael | Officer | — | — | Common Stock | 0 | 0.00 | — | 4,683 | D | ↗ |
Executive team
Top executives
EBIT / Employee
62.5K
Shares Outstanding
5.29M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | Amie L. Lyons President and Chief Executive Officer | 231.9K | — | — | — | 66.7K | 71.0K | 369.6K | 0.00% | ↗ |
| 2 | 2025 | Melissa C. Burns Vice President and Chief Financial Officer | 186.5K | — | — | — | 39.7K | 60.8K | 287.0K | 0.00% | ↗ |
| 3 | 2025 | Brian W. North Former President and Chief Executive Officer | 206.3K | — | — | — | — | 34.0K | 240.3K | 0.00% | ↗ |
| 4 | 2025 | Dodie F. Gervais Vice President of Lending | 137.5K | — | — | — | 28.9K | 44.5K | 210.9K | 0.00% | ↗ |
| 5 | 2024 | Brian W. North Former President and Chief Executive Officer | 342.5K | — | — | — | 118.1K | 81.8K | 542.4K | 0.00% | ↗ |
| 6 | 2024 | Brian W. North President and Chief Executive Officer | 342.5K | — | — | — | 118.1K | 81.8K | 542.4K | 0.00% | ↗ |
| 7 | 2024 | Amie L. Lyons President and Chief Executive Officer | 217.5K | — | — | — | 66.8K | 61.2K | 345.4K | 0.00% | ↗ |
| 8 | 2024 | Amie L. Lyons Senior Vice President of Administration and Operations | 217.5K | — | — | — | 66.8K | 61.2K | 345.4K | 0.00% | ↗ |
| 9 | 2024 | Melissa C. Burns Vice President and Chief Financial Officer | 160.7K | — | — | — | 82.1K | 59.2K | 302.0K | 0.00% | ↗ |
| 10 | 2023 | Brian W. North President and Chief Executive Officer | 307.5K | 46.1K | — | — | 36.0K | 89.4K | 479.0K | 0.00% | ↗ |
| 11 | 2023 | Amie L. Lyons Senior Vice President of Administration and Operations | 185.0K | 27.8K | — | — | 19.8K | 59.7K | 292.2K | 0.00% | ↗ |
| 12 | 2023 | Melissa C. Burns Vice President and Chief Financial Officer | 153.0K | 23.0K | — | — | 17.4K | 35.5K | 228.9K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Amie L. Lyons | President, Chief Executive Officer & Director | 369.6K | female |
| Melissa C. Burns CGMA | Chief Financial Officer & Treasurer | 287.0K | female |
| Dodie F. Gervais | Vice President of Lending | 210.9K | female |
| Brandi S. Roe | Vice President of Marketing, Corporate Secretary & Interim Information Security Officer | — | female |
| Shane Smith | Vice President & Chief Credit Officer | — | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for FDSB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
