What is Fifth District Bancorp, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Fifth District Bancorp, Inc.'s reported free cash flow gives $6.03 per share. The share price was $17.75 on September 25, 2026, 194% above that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -6.5% | 10.0% | $5.20 | -71% |
| Base | -1.5% | 9.0% | $6.03 | -66% |
| Bull | 3.5% | 8.0% | $7.68 | -57% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $6.61 | $6.78 | $6.99 | $7.26 | $7.60 |
| 8.0% | $6.18 | $6.29 | $6.42 | $6.58 | $6.78 |
| 9.0% | $5.86 | $5.94 | $6.03 | $6.13 | $6.25 |
| 10.0% | $5.62 | $5.68 | $5.74 | $5.81 | $5.89 |
| 11.0% | $5.43 | $5.47 | $5.51 | $5.56 | $5.62 |
Where the presets come from
Base: years 1 to 5 grow at Fifth District Bancorp, Inc.'s revenue growth rate over the last 1 fiscal years (-1.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions