Fifth District Bancorp Inc (FDSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$18.65+1.58%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FDSB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 119.7% |
| Our one-year growth estimate | diamond | Not available |
Growth built into the price is above our model estimate.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
FDSB — CFO transition
Dated 2026-06-09
Director — Donna T. Guerra: Appointment of Donna T. Guerra to the Board of Directors.
Why it matters: A new CFO can change how the company manages its finances. This could affect growth plans.
Watch forThe new CFO shares a plan. It includes cutting costs or growing revenue.
Also watch forThe company keeps the same financial plan. There are no changes from the new CFO.
Why it matters: A drop below this level could signal a slowdown in business momentum. This is important for future outlook.
Worry ifQ2 revenue growth prints above 10% year over year.
Less concerning ifQ2 revenue growth prints below 5% year over year.
Why it matters: A drop in sector growth could impact Fifth District Bancorp's performance.
Worry ifSector revenue growth falls below its median for the next quarter.
Less concerning ifSector revenue growth remains above its median for the next quarter.
Why it matters: Negative cash flow shows problems with operations. This is important for management.
Worry ifOperating cash flow reported as negative for the next quarter.
Less concerning ifOperating cash flow remains positive for the next quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$46 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $103 loss on $10,000 · 1.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $659 loss on $10,000 · 6.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop below 13% would signal a slowdown in the financial sector's growth phase. This could impact investor confidence.
Worry ifQ3 revenue growth reported below 13% year over year.
Less concerning ifQ3 revenue growth remains at or above 13% year over year.
Why it matters: Higher net income means the company is making more money. This can help investors feel good.
Supportive ifNet income reported above $384,000 in Q2.
Worry ifNet income reported below $384,000 in Q2.
Why it matters: If revenue growth falls below the median, it signals a potential slowdown in the financial sector.
Worry ifFifth District Bancorp reports revenue growth below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.
Why it matters: Improving net income shows the company is getting more profitable. This can boost investor confidence.
Supportive ifNet income for Q3 shows a positive year-over-year change, exceeding $384,000.
Worry ifNet income goes down or stays under $384,000 compared to last year.
Why it matters: Positive cash flow shows the company can fund its operations. This is key for stability.
Supportive ifCash from operating activities stays above $862,000 in Q3.
Worry ifCash from operating activities falls below $862,000 in Q3.
Why it matters: Sustained revenue growth shows the company is expanding. This can attract more investors.
Supportive ifQ3 revenue is over $5,796,000. This shows growth from last year.
Worry ifQ3 revenue falls below $5,796,000, indicating a slowdown.
Why it matters: The Producer Price Index impacts inflation. It can change how the bank operates.
Watch forPPI shows an increase above 0.5%, indicating rising costs.
Also watch forPPI shows a decrease below 0%, indicating falling costs.