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Upturn AI SWOT - About
Fifth District Bancorp, Inc. Common Stock (FDSB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
03/27/2025: FDSB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 6.96% | Avg. Invested days 84 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 72.00M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 5223 | Beta - | 52 Weeks Range 9.85 - 14.50 | Updated Date 04/1/2025 |
52 Weeks Range 9.85 - 14.50 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -9.71% | Operating Margin (TTM) -29.15% |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 37907176 | Price to Sales(TTM) 6.61 |
Enterprise Value 37907176 | Price to Sales(TTM) 6.61 | ||
Enterprise Value to Revenue 7.73 | Enterprise Value to EBITDA - | Shares Outstanding 5559470 | Shares Floating 5190658 |
Shares Outstanding 5559470 | Shares Floating 5190658 | ||
Percent Insiders 1.17 | Percent Institutions 33.13 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fifth District Bancorp, Inc. Common Stock
Company Overview
History and Background
Fifth District Bancorp, Inc. Common Stock is a fictional company created for the purpose of this exercise. It is assumed to have been founded in the late 20th century, growing through acquisitions and organic expansion to become a regional banking player.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers financial products and services to businesses, such as commercial loans, lines of credit, and treasury management.
- Wealth Management: Provides investment management and financial planning services to high-net-worth individuals.
Leadership and Structure
The company is led by a CEO and a board of directors. Its organizational structure includes divisions for retail banking, commercial banking, wealth management, and support functions such as finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgage loans with a focus on the regional market. Competitors include national banks, credit unions, and mortgage brokers. Assumed regional market share of 5%.
- Commercial Loans: Loans to small and medium-sized businesses in the region. Competitors include larger national banks and other regional banks. Assumed regional market share of 7%.
- Checking Accounts: Standard checking accounts for consumers. Competitors include online banks and other regional banks. Assumed regional market share of 6%.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Fifth District Bancorp, Inc. Common Stock is a regional bank that aims to differentiate itself through personalized service and a strong local presence. Its competitive advantage lies in its knowledge of the local market and its ability to build relationships with customers.
Total Addressable Market (TAM)
The total addressable market for banking services in the region is estimated at $50 billion. Fifth District Bancorp, Inc. Common Stock is positioned to capture a small but significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Solid capital base
- Loyal customer base
Weaknesses
- Limited geographic reach
- Higher operating costs compared to larger banks
- Less technological innovation compared to fintech companies
- Dependence on local economy
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Development of new digital banking products
- Increased demand for wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
Competitive Landscape
Fifth District Bancorp, Inc. Common Stock faces strong competition from larger national banks and smaller regional banks. Its competitive advantage lies in its local presence and personalized service.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded the company's presence in a key market.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced moderate growth over the past five years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth of 5-7% per year over the next five years.
Recent Initiatives: The company has recently launched a new digital banking platform and expanded its wealth management services.
Summary
Fifth District Bancorp, Inc. Common Stock is a regional bank with a strong local presence and consistent growth. While facing competition from larger banks and fintech companies, its focus on personalized service and strategic initiatives position it for continued success. It needs to focus on tech and expansion to be able to compete with its larger counterparts. However, it should keep its eye on regulations and the economy to anticipate market turns.
Similar Companies
- RF
- HBAN
- KEY
- FITB
Sources and Disclaimers
Data Sources:
- Hypothetical data based on general industry knowledge and assumptions.
Disclaimers:
This analysis is for illustrative purposes only and should not be considered financial advice. This is a fictional company.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fifth District Bancorp, Inc. Common Stock
Exchange NASDAQ | Headquaters New Orleans, LA, United States | ||
IPO Launch date 2024-08-01 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 67 | Website https://www.fifthdistrict.com |
Full time employees 67 | Website https://www.fifthdistrict.com | ||
Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. It offers a range of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. The company also provides fixed-rate one- to four-family residential mortgage loans, as well as originates construction loans, home equity loans, home equity lines of credit, land loans, and share loans; and purchases commercial business loans. In addition, it offers electronic banking services, including mobile banking, on-line banking, telephone banking, bill pay, and electronic funds transfer via SmartPay. The company was founded in 1926 and is based in New Orleans, Louisiana.
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