Event-Driven Stocks

Fifth District Bancorp, Inc.

FDSBNasdaq

Financials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23
Revenue$605,000$619,000$614,000
Operating income———
Net income$4.1M−$1.1M$797,000
Total assets$534.4M$527.3M$480.8M
Total liabilities$404.6M$401.5M$403.0M
Equity$129.8M$125.8M$77.8M
EPS (diluted)$0.80$-0.21—
Shares out.5.6M5.6M0

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
675.7%
Return on equity
3.2%
Return on assets
0.8%
Return on capital (ROCE)
—
Liabilities / assets
75.7%
Debt / equity
3.12×
Book value / share
$23.34
Revenue growth (YoY)
−2.3%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.5%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
50
/ 100
Profitability 100Growth 0Catalyst 33Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 2 warning● 2 good
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20268,9501.3+16.9%
Apr 30, 20267,6551.2-4.4%
Apr 15, 20268,0101.3+4.5%
Mar 31, 20267,6651.4+10.5%
Mar 13, 20266,9341.0+51.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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