FDSBFifth District Bancorp, Inc.(FDSB)Stock Analysis

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SEC EDGAR: CIK 2012726FDSB stock profile & AI dashboard →

13F Pro Quality Score

43.4/100

Rank #1,972 of 2,962 stocks

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

85.6/100

Profitability

53.2/100

Balance Sheet

35.9/100

Earnings Quality

49.0/100

Free Cash Flow

51.7/100

Institutional Flow

24.2/100

Revenue Scale

3.0/100

Dilution Risk

15.0/100
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FDSB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Fifth District Bancorp, Inc. (FDSB), a Financials sector company. 13F Pro's AI-powered ranking engine scores FDSB at 43.4/100 on a 32-signal composite quality model, placing it at rank #1,972 of 2,962 stocks — the bottom half of the AI-ranked universe. FDSB scores in the top quartile across revenue growth (85.6). Areas of concern include revenue scale (3.0) and institutional flow (24.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Fifth District Bancorp, Inc. reports quarterly revenue of $4.0M, net income of $384.0K, an operating margin of 12.3%. Top institutional holders of FDSB by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, MANGROVE PARTNERS IM, based on the most recent SEC filings. FDSB trades on the Nasdaq exchange and files with the SEC under CIK 2012726. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FDSB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Fifth District Bancorp, Inc. directly from SEC EDGAR. Fifth District Bancorp, Inc.'s 13F Pro composite quality score has ranged between 29 and 44 since 2025, currently 43.4 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

Fun facts about Fifth District Bancorp, Inc.

Quirks, history, and lore behind FDSB — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    A community bank holding company operating in the Appalachian region of Virginia, serving customers who the big Wall Street banks largely ignore.
  • 2
    The Numbers
    A micro-cap institution with total assets in the range of a few hundred million dollars — small enough that a single branch opening is big news.
  • 3
    The History
    Rooted in southwestern Virginia, it has served coal country communities for decades, providing banking services to a region defined by its mining heritage.
  • 4
    The Secret
    Its bread and butter is classic community banking: deposit-taking and lending in rural markets where relationships matter more than algorithms.
  • 5
    The Lore
    Headquartered in Grundy, Virginia — seat of Buchanan County — a town nestled so deep in the mountains that the town once literally moved itself uphill to avoid chronic flooding.
  • 6
    The Giveaway
    Its name points straight to its geography: it serves the Fifth Federal Reserve District region and trades under the ticker FDSB on the OTC market.
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Revenue

Q2 2026

$4.0M

Net Income

Q2 2026

$384.0K

Free Cash Flow

Q2 2026

$596.0K

Operating Margin

Q2 2026

12.3%

ROIC

Q2 2026

1.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+2691.3% YoY
$17.3MFY 2025
FY22 FY23 $11.0MFY24 $619.0KFY25 $17.3M

Net Income

+479.2% YoY
$4.1MFY 2025
FY22 FY23 $797.0KFY24 $-1.1MFY25 $4.1M

EPS (Diluted)

+481.0% YoY
$0.80FY 2025
FY22 FY23 FY24 $-0.21FY25 $0.80

Total Assets

+1.3% YoY
$534.4MFY 2025
FY22 FY23 $480.8MFY24 $527.3MFY25 $534.4M

Op. Cash Flow

+225.8% YoY
$1.3MFY 2025
FY22 FY23 $796.0KFY24 $-1.1MFY25 $1.3M

Free Cash Flow

+160.2% YoY
$942.0KFY 2025
FY22 FY23 $-1.1MFY24 $-1.6MFY25 $942.0K

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Available Research

13F Pro tracks comprehensive data for Fifth District Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Top Institutional Holders of FDSB

Companies Similar to FDSB

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

FSBW

FS Bancorp, Inc.

43
AI score
Similar quality profile · 2 shared holders
CLST

Catalyst Bancorp, Inc.

52
AI score
Similar quality profile · 1 shared holders
HFBL

Home Federal Bancorp, Inc. of Louisiana

50
AI score
Shared smart-money ownership · 1 shared holders
PDLB

Ponce Financial Group, Inc.

61
AI score
Shared smart-money ownership · 3 shared holders
FBLA

FB Bancorp, Inc. /MD/

44
AI score
Shared smart-money ownership · 2 shared holders
FINW

Finwise Bancorp

53
AI score
Similar quality profile · 1 shared holders
SFBC

Sound Financial Bancorp, Inc.

47
AI score
Shared smart-money ownership · 1 shared holders
BVFL

BV Financial, Inc.

44
AI score
Shared smart-money ownership · 1 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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Is FDSB a good stock to buy?

13F Pro's AI-powered analysis of Fifth District Bancorp, Inc. (FDSB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FDSB are available on the FDSB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FDSB is classified as a small company.

Which hedge funds own FDSB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FDSB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Fifth District Bancorp, Inc.'s investment landscape.