Fifth District Bancorp, Inc. (FDSB) Stock Analysis and Metrics

Sector: Financial Services Industry: Banks - Regional CIK: 0002012726

Market Cap 76.05 Mn

P/B 0.58

P/E 20.52

P/S 4.55

ROIC (Qtr) 2.14

Div Yield % 0.00

Rev 1y % (Qtr) 10.11

Total Debt (Qtr) 6.16 Mn

Debt/Equity (Qtr) 0.05

About

Strong tangible asset base of 539.50M provides 87.57x coverage of total debt 6.16M, indicating robust asset backing and low credit risk.
Retained earnings of 87.10M represent substantial 0.66x of equity 131.30M, indicating strong internal capital generation.

Operating cash flow of 737000 barely covers its investment activities of (11.81M), with a coverage ratio of -0.06, indicating heavy reliance on external financing for growth which may not be sustainable in a tighter credit environment.
The company's operating cash flow of 737000 shows concerning coverage of stock compensation expenses of 344000, with a 2.14 ratio indicating potential earnings quality issues.
Operating cash flow of 737000 provides minimal -92.12x coverage of tax expenses of (8000), suggesting potential tax planning inefficiencies or unsustainable tax positions.
Free cash flow of 408000 represents just -2.34x of debt issuance (174000), suggesting concerning reliance on leverage rather than internal cash generation for growth.
High depreciation of 676000 relative to operating cash flow of 737000, which is 0.92x suggests significant maintenance capital requirements affecting free cash flow.

Companies in the Banks - Regional

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	USB	Us Bancorp \De\	84.44 Bn	12.40	3.25	77.98 Bn
2	PNC	Pnc Financial Services Group, Inc.	84.36 Bn	13.61	3.73	62.34 Bn
3	NU	Nu Holdings Ltd.	81.47 Bn	32.21	5.79	4.49 Bn
4	NWG	NatWest Group plc	66.53 Bn	9.88	3.05	169.04 Bn
5	TFC	Truist Financial Corp	64.60 Bn	13.18	3.53	71.11 Bn
6	MTB	M&T Bank Corp	32.73 Bn	12.47	3.60	14.99 Bn
7	FITB	Fifth Third Bancorp	31.96 Bn	14.15	3.93	18.94 Bn
8	FCNCA	First Citizens Bancshares Inc /De/	28.98 Bn	12.78	3.26	40.00 Bn

Current Valuation	Value	Ind Avg
EV to Assets EV to Assets	0.10	0.14
EV to Cash from Ops. EV/CFO	71.93	7.21
EV to Debt EV to Debt	8.60	5.20
EV to EBIT EV/EBIT	14.34	14.98
EV to EBITDA EV/EBITDA	12.12	8.92
EV to Free Cash Flow [EV/FCF] EV/FCF	129.93	8.87
EV to Market Cap EV to Market Cap	0.70	1.04
EV to Revenue EV/Rev	3.17	-3.76
Price to Book Value [P/B] P/B	0.58	1.17
Price to Earnings [P/E] P/E	20.52	15.63

Dividend Metrics	Value	Ind Avg	Percentile
Dividend Coverage Ratio Dividend Coverage Ratio	0.00	271.44
Dividend Payout Ratio % Div Payout % (Qtr)	0.00	35.28
Dividend per Basic Share Div per Share (Qtr)	0.00	0.89
FCF Dividend Payout Ratio % FCF Div Payout % (Qtr)	0.00	34.52
Interest Coverage Interest Coverage	0.00	-0.05

Growth Metrics	Value	Ind Avg
Capex Growth (1y) % Capex 1y % (Qtr)	72.21	-73.15
Cash and Equivalents Growth (1y) % Cash & Equiv 1y % (Qtr)	0.86	15.78
Dividend Growth (1y) % Dividend Growth (1y) %	0.00	5.32
EBIAT Growth (1y) % EBIAT 1y % (Qtr)	449.95	110.93
EBITDA Growth (1y) % EBITDA 1y % (Qtr)	690.28	38.80
EBIT Growth (1y) % EBIT 1y % (Qtr)	363.58	61.46
EBT Growth (1y) % EBT 1y % (Qtr)	363.58	61.37
EPS Growth (1y) % EPS 1y % (Qtr)	0.00	76.34
FCF Growth (1y) % FCF 1y % (Qtr)	119.05	161.72
Gross Profit Growth (1y) % Gross Profit 1y % (Qtr)	53.73	14.15

Liquidity Ratios	Value	Ind Avg
Asset Utilization Ratio Asset Util Ratio (Qtr)	0.03	0.04
Cash Payout Ratio Cash Payout (Qtr)	0.00	0.26
Cash Ratio Cash Ratio	0.00	0.00
Current Ratio Current Ratio	0.00	0.01
Debt to Equity Ratio Debt/Equity (Qtr)	0.05	0.53
Interest Cover Ratio Interest Cover Ratio	0.00	-0.05
Times Interest Earned Times Interest Earned	0.00	-0.05

Profitability	Value	Ind Avg
EBITDA Margin % EBITDA Margin % (Qtr)	26.10	147.97
EBIT Margin % EBIT Margin % (Qtr)	22.10	155.41
EBT Margin % EBT Margin % (Qtr)	22.10	154.66
Gross Margin % Gross Margin % (Qtr)	100.00	97.82
Net Profit Margin % Net Margin % (Qtr)	22.20	115.63