Stocks · Financial Services · Banks - Regional
Fifth District Savings Bank FDSB
$17.40 +0.40% Close, Oct 2, 2026 · NASDAQ · Market cap $91.6M
Low risk
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.32, down 38.1% year over year.
- The stock is in an uptrend: above its 200-day average for 346 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $23.7M, down 6.9% from a year earlier, slowing from 26.0% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 15%
- EPS growth (TTM, YoY)Bottom 16%
- FCF growth (TTM, YoY)Top 46%
- Revenue growth, 3-year CAGRTop 32%
- Revenue growth accelerationBottom 3%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 49%
- Gross marginBottom 44%
- Operating marginBottom 19%
- Cash conversion (OCF / net income)Top 47%
- Accruals (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Top 9%
- Interest coverBottom 15%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 21%
- Free-cash-flow yieldBottom 27%
- EBITDA / enterprise valueBottom 31%
- Sales / enterprise valueBottom 42%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 20%
- 6-month returnTop 23%
- 1-year return vs S&P 500Top 25%
- Distance from 52-week highTop 35%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 34%
- Maximum drawdown, 3 yearsTop 19%
- Beta vs S&P 500 (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Top 9%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 26.0% | -6.9% | ↓ |
| EPS growth (YoY) | 3956.7% | -38.1% | ↓ |
| Gross margin | 64.3% | 62.9% | ↓ |
| Operating margin | 8.9% | 8.5% | ↓ |
| FCF margin | 5.1% | 6.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -6.9% | 26.0% | ↓ | Bottom 15% |
| EPS growth (TTM, YoY) | -38.1% | 3956.7% | ↓ | Bottom 16% |
| Gross margin | 62.9% | 64.3% | ↓ | Bottom 44% |
| Operating margin | 8.5% | 8.9% | ↓ | Bottom 19% |
| Net margin | 7.0% | 10.1% | ↓ | — |
| Free-cash-flow margin | 6.7% | 5.1% | ↑ | — |
| Return on invested capital | 1.4% | — | Top 49% | |
| Revenue growth, 3-year CAGR | 19.9% | — | Top 32% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.19×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +9.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2.52×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- -0.01%
- Net buyback yield (TTM)
- 5.08%
- Shareholder yield
- 5.07%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -2.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | — | +0.2% | +2.8% | +4.4% | — |
| May 12, 2026 | — | +0.0% | -0.8% | +2.6% | +18.5% |
| Mar 24, 2026 | — | -0.9% | +0.4% | +2.2% | +8.1% |
| Nov 10, 2025 | — | -0.1% | +0.5% | +6.8% | +15.3% |
| Aug 12, 2025 | — | -0.3% | +2.3% | +6.3% | +1.7% |
| May 13, 2025 | — | +1.8% | +1.6% | +0.6% | +5.5% |
| Mar 26, 2025 | — | +3.2% | -0.7% | -3.7% | -0.6% |
| Nov 14, 2024 | — | -0.9% | -0.2% | -0.6% | -0.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.08 | — | — | $6.0M |
| May 12, 2026 | $0.08 | — | — | $5.9M |
| Mar 24, 2026 | $0.11 | — | — | $5.9M |
| Nov 10, 2025 | $0.07 | — | — | $5.9M |
| Aug 12, 2025 | $0.61 | — | — | $9.2M |
| May 13, 2025 | $0.02 | — | — | $5.5M |
| Mar 26, 2025 | $0.03 | — | — | $5.4M |
| Nov 14, 2024 | -$0.15 | — | — | $5.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 55.0× | — | — | Bottom 21% |
| EV / EBITDA | 33.8× | — | — | Bottom 31% |
| EV / Sales | 3.59× | — | — | Bottom 42% |
| Free-cash-flow yield | 1.73% | — | — | Bottom 27% |
| Earnings yield | 1.82% | — | — | Bottom 21% |
P/E over the past five years
Range 17.7× – 71.5× since Dec 31, 2023. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +25.8%
- Earnings per share growth (TTM)
- -38.1%
- Change in P/E multiple
- +121.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 346
- 50-day average slope (20 days)
- +2.6%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- -3.7%
- Distance from 200-day average
- +8.8%
- RSI (14)
- 34.1
- Relative volume
- 1.26×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.7%
- Volatility vs own 5-year history
- 63th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.31
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -6.9%
- Maximum drawdown, 3 years
- -11.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 30, 2025 | Apr 8, 2025 | -11.7% | 47 days | 65 days (Jul 14, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $91.6M
- P/E (TTM)
- 55.0
- EPS, diluted (TTM)
- $0.32
- Revenue (TTM)
- $23.7M
- 52-week range
- $13.00 – $18.69
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Revenue | $15.4M | $17.4M | $19.3M | $26.5M |
| Gross profit | $13.7M | $11.3M | $11.3M | $17.3M |
| Operating income | $3.6M | $946,000 | -$1.4M | $4.2M |
| Net income | $2.9M | $797,000 | -$1.1M | $4.1M |
| EPS (diluted) | $0.52 | $0.14 | -$0.21 | $0.80 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.4M | $5.4M | $5.5M | $9.2M | $5.9M | $5.9M | $5.9M | $6.0M |
| Net income | -$788,000 | $159,000 | $78,000 | $3.1M | $343,000 | $541,000 | $387,000 | $384,000 |
| EPS (diluted) | -$0.15 | $0.03 | $0.02 | $0.61 | $0.07 | $0.10 | $0.08 | $0.07 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Operating cash flow | $4.0M | $795,543 | -$1.1M | $1.3M |
| Capital expenditure | -$1.1M | -$1.9M | -$510,000 | -$384,000 |
| Free cash flow | $2.9M | -$1.1M | -$1.6M | $942,000 |
| Dividends paid | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $48.7M | -$2.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $100.6M
- Total assets
- $532.1M
- Total liabilities
- $403.1M
- Total debt
- $0
- Net debt
- -$6.3M
- Shareholders’ equity
- $129.0M
As of Jun 30, 2026 (filed Aug 10, 2026).
Short interest
- Shares sold short
- 6,291
- Days to cover
- 1.49
- Change vs previous report
- -24.9%
FINRA short interest, settlement date Sep 15, 2026.