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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Fifth District Bancorp's Debt-to-Equity or its related term are showing as below:
During the past 4 years, the highest Debt-to-Equity Ratio of Fifth District Bancorp was 0.05. The lowest was 0.05. And the median was 0.05.
FDSB's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.57 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Fifth District Bancorp Debt-to-Equity Related Terms
Fifth District Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Fifth District Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FDSB vs UWHR, FSMK, BCOW: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Fifth District Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fifth District Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fifth District Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fifth District Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fifth District Bancorp (FDSB) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fifth District Bancorp and its competitors. Over the past decade, Fifth District Bancorp's Debt-to-Equity has ranged from 0.05 to 0.05. According to the industry distribution chart, Fifth District Bancorp ranks #999999 out of 1421 companies in the Banks industry.
Is Fifth District Bancorp's Debt-to-Equity too high?
Fifth District Bancorp's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.05. Based on the distribution chart, Fifth District Bancorp ranks #999999 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Fifth District Bancorp has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Fifth District Bancorp's Debt-to-Equity compare to UWHR and FSMK?
According to the Banks industry distribution chart, Fifth District Bancorp ranks #999999 out of 1421 companies for Debt-to-Equity. This places Fifth District Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Historically, Fifth District Bancorp's own Debt-to-Equity has ranged from 0.05 to 0.05 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fifth District Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fifth District Bancorp's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fifth District Bancorp stock overvalued right now?
Fifth District Bancorp (FDSB) has a current Debt-to-Equity of 0.00. The current Debt-to-Equity is 0.00. Fifth District Bancorp's overall GF Score™ is 16/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Fifth District Bancorp (FDSB), the current Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Fifth District Bancorp inc is a holding company of Fifth District. The company's loan portfolio consists mainly of fixed-rate one- to four-family residential mortgage loans. It also originates construction loans (residential and commercial), home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, and share loans (secured by deposit accounts), and purchase consumer and commercial business loans. The company offers a variety of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. In addition, it offers electronic banking services including mobile banking, online banking, telephone banking, bill pay, and electronic funds transfer via SmartPay.
16GF Score
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