βHigh-growth profile β revenue up +48.2% YoY with expanding US Equity exposure.
βHealthy economics β 31% gross margin and 7% free-cash-flow margin.
βNew products and segments could unlock additional revenue streams.
β οΈ Key Risks
Execution delays, intensifying competition, and valuation compression if growth decelerates.
FIFTH DISTRICT BANCORP INC
FDSB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$26Mβ² +37.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
65.2%β² +11.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isnβt profitable yet.
$4MβΌ β391.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$942KβΌ β160.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing ownerβs slice.
5.1Mβ² +0.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$5MβΌ β$33M YoY
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About FIFTH DISTRICT BANCORP INC
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.
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Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)