Fifth District Bancorp, Inc. Common Stock (FDSB) - Net Assets
Based on the latest financial reports, Fifth District Bancorp, Inc. Common Stock (FDSB) has net assets worth $129.76 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($534.39 Million) and total liabilities ($404.64 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check FDSB goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $129.76 Million |
| % of Total Assets | 24.28% |
| Annual Growth Rate | 19.48% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 27.79 |
Fifth District Bancorp, Inc. Common Stock - Net Assets Trend (2022–2025)
This chart illustrates how Fifth District Bancorp, Inc. Common Stock's net assets have evolved over time, based on quarterly financial data. See FDSB defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Fifth District Bancorp, Inc. Common Stock (2022–2025)
The table below shows the annual net assets of Fifth District Bancorp, Inc. Common Stock from 2022 to 2025. For live valuation and market cap data, see how much is Fifth District Bancorp, Inc. Common Stoc worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $129.76 Million | +3.17% |
| 2024-12-31 | $125.78 Million | +61.67% |
| 2023-12-31 | $77.80 Million | +2.27% |
| 2022-12-31 | $76.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Fifth District Bancorp, Inc. Common Stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $86.94 Million | 67.00% |
| Common Stock | $54.00K | 0.04% |
| Other Comprehensive Income | $-4.43 Million | -3.41% |
| Other Components | $47.19 Million | 36.37% |
| Total Equity | $129.76 Million | 100.00% |
Fifth District Bancorp, Inc. Common Stock Competitors by Market Cap
The table below lists competitors of Fifth District Bancorp, Inc. Common Stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Klevo Rewards Limited
AU:KLV
|
$79.87 Million |
|
Ten Ren Tea Co Ltd
TW:1233
|
$79.88 Million |
|
Gabriel Holding
CO:GABR
|
$79.93 Million |
|
Freetrailer Group A/S
ST:FREETR
|
$79.93 Million |
|
Champions Oncology Inc
NASDAQ:CSBR
|
$79.85 Million |
|
Cosmax Nbt Inc
KQ:222040
|
$79.82 Million |
|
Syntec Construction Public Company Limited
BK:SYNTEC
|
$79.81 Million |
|
Houston American Energy Corporation
NYSE MKT:HUSA
|
$79.74 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Fifth District Bancorp, Inc. Common Stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 125,775,000 to 129,757,000, a change of 3,982,000 (3.2%).
- Net income of 4,088,000 contributed positively to equity growth.
- Share repurchases of 2,944,000 reduced equity.
- Other comprehensive income increased equity by 2,483,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.09 Million | +3.15% |
| Share Repurchases | $2.94 Million | -2.27% |
| Other Comprehensive Income | $2.48 Million | +1.91% |
| Other Changes | $355.00K | +0.27% |
| Total Change | $- | 3.17% |
Book Value vs Market Value Analysis
This analysis compares Fifth District Bancorp, Inc. Common Stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.64x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.17x to 0.64x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | $13.68 | $16.07 | x |
| 2023-12-31 | $13.99 | $16.07 | x |
| 2024-12-31 | $24.54 | $16.07 | x |
| 2025-12-31 | $25.22 | $16.07 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Fifth District Bancorp, Inc. Common Stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.15%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.43%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 4.12x
- Recent ROE (3.15%) is above the historical average (1.79%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 3.83% | 18.96% | 0.03x | 6.22x | $-4.70 Million |
| 2023 | 1.02% | 4.58% | 0.04x | 6.18x | $-6.98 Million |
| 2024 | -0.86% | -5.59% | 0.04x | 4.19x | $-13.66 Million |
| 2025 | 3.15% | 15.43% | 0.05x | 4.12x | $-8.89 Million |
Industry Comparison
This section compares Fifth District Bancorp, Inc. Common Stock's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $800,595,200
- Average return on equity (ROE) among peers: 8.96%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Fifth District Bancorp, Inc. Common Stock (FDSB) | $129.76 Million | 3.83% | 3.12x | $79.87 Million |
| Ameris Bancorp (ABCB) | $178.73 Million | 12.38% | 10.46x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $646.44 Million | 11.15% | 9.66x | $5.85 Billion |
| ACNB Corporation (ACNB) | $120.06 Million | 9.05% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $75.66 Million | 1.80% | 2.78x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $356.87 Million | 11.21% | 9.59x | $736.27 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $938.80 Million | 5.58% | 9.41x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $152.26 Million | 14.38% | 11.53x | $622.98 Million |
| Associated Banc-Corp (ASB) | $4.61 Billion | 2.67% | 8.34x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $137.10 Million | 8.24% | 12.05x | $62.43 Million |
About Fifth District Bancorp, Inc. Common Stock
Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States. The company offers a range of deposit accounts, including checking accounts, savings and NOW accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mo… Read more