FDSB
Fifth District BancorpCNasdaq / Banks
Last Price
At close
2026-07-22
Current thesis
Repurchase activity combined with stable credit metrics and modest NIM expansion drives re-rating toward mid-teens multiples for a small-cap bank, lifting shares toward the bull target.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.4.
What can break
Adverse credit/loan-loss reserve build
Momentum
61
Value
45
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.00 · Bull $22.00 · Bear $12.00
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-03-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-22
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum61 · Δ7d -
Value45 · Δ7d +1.4
Sentiment49 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
61
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
45
39% active weight
Current posture
7d trendImproving
Δ7d
+1.4
Δ21d
+1.4
Sentiment
49
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 61.1 / Value 44.9 / Sentiment 48.8
Fundamentals (TTM)As of 2026-07-22
Fundamentals (TTM)
As of 2026-07-22
Market Cap
$89.5M
Beta
-
Shares Out
5.26M
P/E (TTM) · Derived
21.3
P/S (TTM)
-
P/FCF (TTM) · Derived
91.84
Rev YoY
+7.8%
EPS YoY
+418.4%
Gross Margin
-
Op Margin
-
Net Debt
-$4.99M
Current Ratio
16.62
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology