Is Fifth District Savings Bank (FDSB) a Buy, Sell, or Hold?
NASDAQ : FDSB
Fifth District Savings Bank
$17.81 USD
-$0.07 (-0.36%)
- Volume
- 13.68K
- Average Volume
- 10.04K
- Market Capitalization
- $93.77M
- P/E Ratio
- 21.07
- Dividend Yield
- 0.00%
- Price Target
- Year High
- $18.00
- Year Low
- $12.89
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.00
- Current Ratio
- $0.06
FDSB Financial Statements
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| revenue | 26.49M | 19.29M | 17.39M | 15.35M |
| costOfRevenue | 9.22M | 8.01M | 6.04M | 1.62M |
| grossProfit | 17.27M | 11.28M | 11.35M | 13.73M |
| researchAndDevelopmentExpenses | - | - | - | - |
| generalAndAdministrativeExpenses | 8.12M | 7.19M | 6.53M | 6.41M |
| sellingAndMarketingExpenses | 105K | 131K | 258K | 301.73K |
| sellingGeneralAndAdministrativeExpenses | 8.23M | 7.32M | 6.79M | 6.72M |
| otherExpenses | 4.86M | 5.39M | 3.62M | 3.4M |
| operatingExpenses | 13.08M | 12.71M | 10.4M | 10.11M |
| costAndExpenses | 22.3M | 20.72M | 16.44M | 11.73M |
| netInterestIncome | 12.85M | 10.06M | 10.05M | 12.78M |
| interestIncome | 22.06M | 19.28M | 16.41M | 14.4M |
| interestExpense | 9.21M | 9.22M | 6.36M | 1.62M |
| depreciationAndAmortization | 671K | 694K | 548K | 532.93K |
| ebitda | 4.86M | -742K | 1.49M | 4.16M |
| ebit | 4.18M | -1.44M | 946K | 3.62M |
| nonOperatingIncomeExcludingInterest | - | - | - | - |
| operatingIncome | 4.18M | -1.44M | 946K | 3.62M |
| totalOtherIncomeExpensesNet | - | - | - | - |
| incomeBeforeTax | 4.18M | -1.44M | 946K | 3.62M |
| incomeTaxExpense | 97000 | -358K | 149K | 712.43K |
| netIncomeFromContinuingOperations | 4.09M | -1.08M | 797K | 2.91M |
| netIncomeFromDiscontinuedOperations | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - |
| netIncome | 4.09M | -1.08M | 797K | 2.91M |
| netIncomeDeductions | - | - | - | - |
| bottomLineNetIncome | 4.09M | -1.08M | 797K | 2.91M |
| eps | 0.79 | -0.21 | 0.14 | 0.52 |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| cashAndCashEquivalents | 4.99M | 37.92M | 19.31M | 20.28M |
| shortTermInvestments | - | - | 67.9M | 76.69M |
| cashAndShortTermInvestments | 4.99M | 37.92M | 87.21M | 96.98M |
| netReceivables | 2M | 1.97M | 1.76M | 1.77M |
| accountsReceivables | 2M | 1.62M | 1.59M | 1.59M |
| otherReceivables | - | 348K | 168K | 180K |
| inventory | - | - | - | - |
| prepaids | - | - | - | - |
| otherCurrentAssets | - | - | - | - |
| totalCurrentAssets | 6.99M | 39.88M | 88.96M | 98.74M |
| propertyPlantEquipmentNet | 11.64M | 11.92M | 12.48M | 11.12M |
| goodwill | - | - | - | - |
| intangibleAssets | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - |
| longTermInvestments | 414.97M | 460.32M | 365.04M | 350M |
| taxAssets | 1.72M | 2.45M | 2.06M | 2.44M |
| otherNonCurrentAssets | 99.08M | 12.73M | 12.26M | 11.12M |
| totalNonCurrentAssets | 527.4M | 487.42M | 391.83M | 374.68M |
| otherAssets | - | - | - | - |
| totalAssets | 534.39M | 527.31M | 480.8M | 473.43M |
| totalPayables | - | - | - | - |
| accountPayables | - | - | - | - |
| otherPayables | - | - | - | - |
| accruedExpenses | - | - | - | - |
| shortTermDebt | - | - | 4M | - |
| capitalLeaseObligationsCurrent | - | - | - | - |
| taxPayables | - | - | - | - |
| deferredRevenue | - | - | - | - |
| otherCurrentLiabilities | 393.16M | 391.48M | 390M | 388.94M |
| totalCurrentLiabilities | 393.16M | 391.48M | 394M | 388.94M |
| longTermDebt | - | - | - | - |
| capitalLeaseObligationsNonCurrent | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - |
| otherNonCurrentLiabilities | 11.48M | 10.06M | 9M | 8.42M |
| totalNonCurrentLiabilities | 11.48M | 10.06M | 9M | 8.42M |
| otherLiabilities | - | - | - | - |
| capitalLeaseObligations | - | - | - | - |
| totalLiabilities | 404.64M | 401.53M | 403M | 397.36M |
| treasuryStock | - | - | - | - |
| preferredStock | - | - | - | - |
| commonStock | 54000 | 56000 | - | - |
| retainedEarnings | 86.94M | 83.69M | 84.77M | 83.97M |
| additionalPaidInCapital | 51.2M | 53.16M | - | - |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| netIncome | 4.09M | -1.08M | 797K | 2.91M |
| depreciationAndAmortization | 671K | 694K | 548K | 532.93K |
| deferredIncomeTax | 65000 | -400K | 135K | 47930 |
| stockBasedCompensation | 355K | 246K | - | - |
| changeInWorkingCapital | -124K | -164K | -333K | 284.66K |
| accountsReceivables | -32000 | -210K | 12000 | -174.08K |
| inventory | - | - | - | - |
| accountsPayables | - | - | - | - |
| otherWorkingCapital | -92000 | 46000 | -345K | 458.74K |
| otherNonCashItems | -3.73M | -352K | -351K | 195.06K |
| netCashProvidedByOperatingActivities | 1.33M | -1.05M | 796K | 3.97M |
| investmentsInPropertyPlantAndEquipment | -384K | -510K | -1.91M | -1.07M |
| acquisitionsNet | - | - | - | - |
| purchasesOfInvestments | -18.3M | -54.35M | -1M | -15.56M |
| salesMaturitiesOfInvestments | 15.88M | 28.05M | 10.7M | 15.57M |
| otherInvestingActivities | -2.22M | -675K | -14.44M | -24.8M |
| netCashProvidedByInvestingActivities | -5.03M | -27.48M | -6.64M | -25.86M |
| netDebtIssuance | 1.69M | -4M | 4M | - |
| longTermNetDebtIssuance | - | -4M | 4M | - |
| shortTermNetDebtIssuance | 1.69M | - | - | - |
| netStockIssuance | -2.94M | 48.75M | - | - |
| netCommonStockIssuance | -2.94M | 48.75M | - | - |
| commonStockIssuance | - | 48.75M | - | - |
| commonStockRepurchased | -2.94M | - | - | - |
| netPreferredStockIssuance | - | - | - | - |
| netDividendsPaid | - | - | - | - |
| commonDividendsPaid | - | - | - | - |
| preferredDividendsPaid | - | - | - | - |
| otherFinancingActivities | 898K | 2.4M | 1.11M | 18.35M |
| netCashProvidedByFinancingActivities | -360K | 47.15M | 5.11M | 18.35M |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 5.88M | 5.9M | 5.92M | 9.2M | 5.47M | 5.38M | 5.44M | 5.04M | 3.4M | 4.48M |
| costOfRevenue | 2.1M | 2.27M | 2.35M | 2.33M | 2.27M | 2.29M | 2.2M | 1.37M | 2.15M | 1.77M |
| grossProfit | 3.78M | 3.63M | 3.57M | 6.87M | 3.2M | 3.09M | 3.24M | 3.67M | 1.25M | 2.71M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 2.03M | 1.62M | 1.9M | 2.65M | 1.95M | 1.88M | 1.9M | 1.73M | 1.69M | 1.57M |
| sellingAndMarketingExpenses | 38000 | 35000 | 26000 | 25000 | 19000 | 24000 | 30000 | 48000 | 28000 | 60884 |
| sellingGeneralAndAdministrativeExpenses | 2.07M | 1.66M | 1.93M | 2.68M | 1.97M | 1.9M | 1.93M | 1.78M | 1.71M | 1.64M |
| otherExpenses | 1.22M | 1.36M | 1.21M | 1.15M | 1.13M | 1.06M | 2.31M | 1.03M | 970K | 914.38K |
| operatingExpenses | 3.29M | 3.01M | 3.14M | 3.83M | 3.1M | 2.96M | 4.24M | 2.81M | 2.68M | 2.55M |
| costAndExpenses | 5.39M | 5.28M | 5.49M | 6.16M | 5.37M | 5.25M | 6.44M | 4.18M | 4.84M | 4.32M |
| netInterestIncome | 3.55M | 3.42M | 3.34M | 3.15M | 2.94M | 2.85M | 2.88M | 2.27M | 2.05M | 2.24M |
| interestIncome | 5.65M | 5.68M | 5.69M | 5.48M | 5.21M | 5.14M | 5.19M | 4.64M | 4.3M | 4.24M |
| interestExpense | 2.1M | 2.26M | 2.35M | 2.33M | 2.27M | 2.29M | 2.31M | 2.37M | 2.25M | 2M |
| depreciationAndAmortization | 164K | 166K | 168K | 167K | 170K | 171K | 170K | 188K | 165K | 139.02K |
| ebitda | 654K | 783K | 602K | 3.2M | 269K | 301K | -828K | 1.05M | -1.27M | 302.23K |
| ebit | 490K | 617K | 434K | 3.04M | 99000 | 130K | -998K | 865K | -1.43M | 163.2K |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - | - | - | - | - |
| operatingIncome | 490K | 617K | 434K | 3.04M | 99000 | 130K | -998K | 865K | -1.43M | 163.2K |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - | - | - | - | - |
| incomeBeforeTax | 490K | 617K | 434K | 3.04M | 99000 | 130K | -998K | 865K | -1.43M | 163.2K |
| incomeTaxExpense | 103K | 76000 | 91000 | -91000 | 21000 | -29000 | -210K | 182K | -301K | -15239 |
| netIncomeFromContinuingOperations | 387K | 541K | 343K | 3.13M | 78000 | 159K | -788K | 683K | -1.13M | 178.44K |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - | - | - |
| netIncome | 387K | 541K | 343K | 3.13M | 78000 | 159K | -788K | 683K | -1.13M | 178.44K |
| netIncomeDeductions | - | - | - | - | - | - | - | - | - | - |
| bottomLineNetIncome | 387K | 541K | 343K | 3.13M | 78000 | 159K | -788K | 683K | -1.13M | 178.44K |
| eps | 0.08 | 0.09 | 0.07 | 0.61 | 0.02 | 0.03 | -0.15 | 0.12 | -0.2 | 0.03 |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 23.31M | 4.99M | 34.38M | 5.73M | 30.1M | 37.92M | 34.09M | 46.22M | 36.62M | 19.31M |
| shortTermInvestments | - | - | - | 100.42M | 96.23M | - | 93.8M | 72.11M | 53.77M | 67.9M |
| cashAndShortTermInvestments | 23.31M | 4.99M | 34.38M | 106.14M | 126.33M | 37.92M | 127.89M | 118.32M | 90.4M | 87.21M |
| netReceivables | 1.8M | 2M | 2.34M | 2.21M | 2.22M | 1.97M | 2.15M | 2.07M | 1.92M | 1.76M |
| accountsReceivables | 1.8M | 2M | 2.34M | 2.21M | 2.22M | 1.62M | 2.15M | 2.07M | 1.92M | 1.59M |
| otherReceivables | - | - | - | - | - | 348K | - | - | - | 168K |
| inventory | - | - | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | 381.31M | - | - | - | - | - | - |
| totalCurrentAssets | 25.12M | 6.99M | 36.72M | 489.66M | 128.55M | 39.88M | 130.04M | 120.4M | 92.32M | 88.96M |
| propertyPlantEquipmentNet | 11.77M | 11.64M | 11.72M | 11.82M | 11.81M | 11.92M | 12.07M | 12.21M | 12.65M | 12.48M |
| goodwill | - | - | - | - | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - | - | - | - | - |
| longTermInvestments | 487.17M | 414.97M | 479.98M | 480.02M | 376.27M | 461.24M | 368.61M | 367.91M | 365.4M | 367.05M |
| taxAssets | 1.77M | 1.72M | 1.84M | 1.97M | 2.09M | 2.45M | 1.41M | 1.88M | 1.98M | 2.06M |
| otherNonCurrentAssets | 9.86M | 99.08M | 9.24M | -480.02M | 12.35M | 11.81M | 11.7M | 13.61M | 13.3M | 10.24M |
| totalNonCurrentAssets | 510.58M | 527.4M | 502.78M | 13.8M | 402.52M | 487.42M | 393.78M | 395.61M | 393.34M | 391.83M |
| otherAssets | - | - | - | 36.35M | - | - | - | - | - | - |
| totalAssets | 535.69M | 534.39M | 539.5M | 539.81M | 531.07M | 527.31M | 523.82M | 516.01M | 485.66M | 480.8M |
| totalPayables | - | - | - | - | - | - | - | - | - | - |
| accountPayables | - | - | - | - | - | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - | - | - | - | 4M |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 395.23M | 393.16M | 396.17M | 398.24M | 394.38M | 391.48M | 384.12M | 428.59M | 400.39M | 390M |
| totalCurrentLiabilities | 395.23M | 393.16M | 396.17M | 398.24M | 394.38M | 391.48M | 384.12M | 428.59M | 400.39M | 394M |
| longTermDebt | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 11.15M | 11.48M | 12.03M | 10.67M | 9.42M | 10.06M | 11.81M | 9.38M | 8.31M | 9M |
| totalNonCurrentLiabilities | 11.15M | 11.48M | 12.03M | 10.67M | 9.42M | 10.06M | 11.81M | 9.38M | 8.31M | 9M |
| otherLiabilities | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - | - | - | - |
| totalLiabilities | 406.38M | 404.64M | 408.2M | 408.91M | 403.81M | 401.53M | 395.93M | 437.98M | 408.7M | 403M |
| treasuryStock | - | - | - | - | - | - | - | - | - | - |
| preferredStock | - | - | - | - | - | - | 56000 | - | - | - |
| commonStock | 53000 | 54000 | 55000 | 56000 | 56000 | 56000 | 53.14M | - | - | - |
| retainedEarnings | 87.03M | 86.94M | 87.1M | 86.9M | 83.77M | 83.69M | 83.53M | 84.32M | 83.64M | 84.77M |
| additionalPaidInCapital | 50.76M | - | 52.84M | - | 53.18M | 53.16M | -4.34M | - | - | - |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| netIncome | 387K | 541K | 343K | 3.13M | 78000 | 159K | -788K | 683K | -1.13M | 178.44K |
| depreciationAndAmortization | 164K | 166K | 168K | 167K | 170K | 171K | 170K | 188K | 165K | 139.02K |
| deferredIncomeTax | -5000 | 327K | - | - | -262K | - | - | - | - | - |
| stockBasedCompensation | 84000 | 142K | 75000 | 68000 | 70000 | 131K | 115K | - | - | - |
| changeInWorkingCapital | 338K | 278K | -402K | -872K | 872K | -612K | 1.33M | -49000 | -832K | -746.78K |
| accountsReceivables | -328K | 92000 | -124K | 249K | -249K | 183K | -79000 | -149K | -165K | -17899 |
| inventory | - | - | - | - | - | - | - | - | - | - |
| accountsPayables | - | - | - | - | - | - | - | - | - | - |
| otherWorkingCapital | 666K | 186K | -278K | -1.12M | 1.12M | -795K | 1.41M | 100000 | -667K | -728.88K |
| otherNonCashItems | 69000 | -1.5M | -67000 | -2.06M | -105K | -482K | -92000 | -1.21M | 1.03M | -108.14K |
| netCashProvidedByOperatingActivities | 1.04M | -44000 | 117K | 430K | 823K | -633K | 734K | -385K | -770K | -537.46K |
| investmentsInPropertyPlantAndEquipment | -301K | -321K | -63000 | 58000 | -58000 | -26000 | -24000 | -116K | -344K | -699.57K |
| acquisitionsNet | - | - | - | - | - | - | - | - | - | - |
| purchasesOfInvestments | -3.89M | -2.87M | -2.92M | -7.52M | -5M | -6.2M | -22.18M | -19.52M | -6.44M | - |
| salesMaturitiesOfInvestments | 3.93M | 12.35M | 3.52M | -3.4M | 3.4M | 4.01M | 2.67M | 1.63M | 19.74M | 2.3M |
| otherInvestingActivities | -11.96M | -4.22M | 7.1M | 3.78M | -8.88M | 377K | 210K | -990K | -272K | -1.68M |
| netCashProvidedByInvestingActivities | -12.22M | 4.94M | 7.64M | -7.09M | -10.53M | -1.84M | -19.32M | -19M | 12.68M | -87169 |
| netDebtIssuance | - | 1.69M | - | - | - | - | - | - | -4M | - |
| longTermNetDebtIssuance | - | - | - | - | - | - | - | - | -4M | - |
| shortTermNetDebtIssuance | - | 1.69M | - | - | - | - | - | - | - | - |
| netStockIssuance | -893K | -2.94M | - | - | - | - | - | - | - | - |
| netCommonStockIssuance | -893K | -2.94M | - | - | - | - | - | - | - | - |
| commonStockIssuance | - | - | - | - | - | - | - | - | - | - |
| commonStockRepurchased | -893K | -2.94M | - | - | - | - | - | - | - | - |
| netPreferredStockIssuance | - | - | - | - | - | - | - | - | - | - |
| netDividendsPaid | - | 13000 | - | -13000 | - | - | - | - | - | - |
| commonDividendsPaid | - | 13000 | - | -13000 | - | - | - | - | - | - |
| preferredDividendsPaid | - | - | - | - | - | - | - | - | - | - |
| otherFinancingActivities | 1.54M | -4.18M | -1.08M | 4.26M | 1.9M | 6.3M | 6.46M | 28.98M | 9.41M | 3.8M |
| netCashProvidedByFinancingActivities | 647K | -5.43M | -1.08M | 4.25M | 1.9M | 6.3M | 6.46M | 28.98M | 5.41M | 3.8M |