Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data Fifth District Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2024
FY2024
FY2025
Revenue
0.61
0.62
0.61
Selling and marketing
0.26
0.13
0.11
Interest income
1.69
2.57
4.08
Pre-tax income
0.95
-1.44
4.19
Income tax
0.15
-0.36
0.1
Net income
0.8
-1.08
4.09
EPS, basic
-0.21
0.80
EPS, diluted
-0.21
0.80
Shares, basic (weighted)
5.13
5.12
Shares, diluted (weighted)
5.13
5.12
Balance sheet
FY2024
FY2024
FY2025
Cash and equivalents
19.3
37.9
33.9
Property, plant and equipment
12.5
11.9
11.6
Total assets
481
527
534
Total liabilities
403
402
405
Paid-in capital
53.2
51.2
Retained earnings
84.8
83.7
86.9
Other comprehensive income
-6.97
-6.91
-4.43
Shareholders' equity
77.8
126
130
Total equity
77.8
126
130
Total liabilities and equity
481
527
534
Shares outstanding
0
5.56
5.35
Cash flow statement
FY2024
FY2024
FY2025
Net income
0.8
-1.08
4.09
Depreciation and amortization
0.55
0.69
0.67
Stock-based compensation
0.07
Deferred income tax
0.14
-0.4
0.07
Cash from operations
0.8
-1.05
1.33
Capital expenditures
-1.91
-0.51
-0.38
Purchases of investments
-1
-54.4
-18.3
Sales and maturities of investments
10.7
28.1
15.9
Cash from investing
-6.64
-27.5
-5.03
Cash from financing
5.11
47.1
-0.36
Net change in cash
-0.73
18.6
-4.06
Free cash flow
-1.11
-1.56
0.94
Interest paid
5.79
8.98
9.28
Income taxes paid
0.13
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $17.75 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
18.3%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
1.3%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.3%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
-2.3%
Revenue vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
3.2%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
1.3%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
-0.2%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
36.1%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.34
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$0.26
Free cash flow / diluted weighted shares.
Operating cash flow per share
$0.40
Cash from operations / diluted weighted shares.
Book value per share
$24.64
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
56.2x
Market cap / net income. Only when net income is positive.
P/B
0.72x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.72x
Market cap / tangible book value, when positive.
P/FCF
73.8x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
47.1x
Market cap / cash from operations, when positive.
EV/FCF
58.5x
Enterprise value / free cash flow, when both are positive.
FCF yield
1.4%
Free cash flow / market cap.
Earnings yield
1.8%
Net income / market cap (the inverse of P/E).
What was Fifth District Bancorp, Inc.'s revenue in fiscal 2025?
Fifth District Bancorp, Inc. reported revenue of $605.0K for fiscal 2025, 2.3% lower than the year before.
Was Fifth District Bancorp, Inc. profitable in fiscal 2025?
Yes. Net income was $4.1M, a net margin of 675.7%.
How much free cash flow did Fifth District Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $1.3M minus capital expenditures of $384.0K left free cash flow of $942.0K.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.