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Fifth District BancorpFDSB +0.85%16 EV-to-FCF is 76.82 as of Jul. 29, 2026, which is 74% above its 10-year median of 44.10. GuruFocus rates FDSB with a GF Score™ of 16/100. The stock has 3 warning signs investors should review. Among 1,192 Banks companies, Fifth District Bancorp ranks worse than 95.39% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Fifth District Bancorp's Enterprise Value is $70.14 Mil.
Fifth District Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.91 Mil. Therefore, Fifth District Bancorp's EV-to-FCF for today is 76.82.
The historical rank and industry rank for Fifth District Bancorp's EV-to-FCF or its related term are showing as below:
FDSB'
s EV-to-FCF Range Over the Past 10 Years
Min: -18.42 Med: 44.1 Max: 110.16
Current: 76.82
During the past 4 years, the highest EV-to-FCF of Fifth District Bancorp was 110.16. The lowest was -18.42. And the median was 44.10.
FDSB's EV-to-FCF is ranked worse than 95.39% of 1192
companies
in the Banks industry
Industry Median: 6.975
vs FDSB: 76.82
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fifth District Bancorp (NAS:FDSB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fifth District Bancorp's PE Ratio (TTM) for today is calculated as:
Fifth District Bancorp's share price for today is $17.75.
Fifth District Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.870.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Fifth District Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Fifth District Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Fifth District Bancorp's EV-to-FCF falls into.
Fifth District Bancorp's current Enterprise Value is $70.14 Mil.
Fifth District Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.91 Mil.
* 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 EV-to-FCF of 76.82 as of Jul. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fifth District Bancorp and its competitors. This is 74% above median its historical median of 44.10. According to the industry distribution chart, Fifth District Bancorp ranks #1137 out of 1192 companies in the Banks industry, placing it in the top 95.4%.
Is Fifth District Bancorp's EV-to-FCF too high?
Fifth District Bancorp's current EV-to-FCF of 76.82 is 74% above median its 10-year median of 44.10. The Banks industry median EV-to-FCF is 6.98. Fifth District Bancorp's value of 76.82 is 1001.4% above this industry median. Based on the distribution chart, Fifth District Bancorp ranks #1137 out of 1192 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 EV-to-FCF compare to UWHR and FSMK?
According to the Banks industry distribution chart, Fifth District Bancorp ranks #1137 out of 1192 companies for EV-to-FCF. This places Fifth District Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.98. Fifth District Bancorp's value of 76.82 is 1001.4% above this benchmark. While the company's 10-year median is 44.10 vs. the industry median of 6.98, Fifth District Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.98, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fifth District Bancorp's current EV-to-FCF of 76.82 is 1001.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fifth District Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fifth District Bancorp's current EV-to-FCF is 76.82, which is 74% above median its own 10-year median of 44.10. 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 EV-to-FCF of 76.82. The current EV-to-FCF is 76.82, which is 74% above median its 10-year median of 44.10 and 1001.4% above the Banks industry median of 6.98. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Fifth District Bancorp (FDSB), the current EV-to-FCF is 76.82 as of Jul. 29, 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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