FDSB (Fifth District Bancorp) Moat Score: 3/10 (As of Jul. 29, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FDSB Fifth District Bancorp Inc FDSB
16 GF Score
Price $17.60
! 3 Warning Signs
View Full Analysis

What is Fifth District Bancorp Moat Score?

Fifth District Bancorp FDSB -0.85% 16 Moat Score is 3 as of Jul. 29, 2026. GuruFocus rates FDSB with a GF Score™ of 16/100. The stock has 3 warning signs investors should review. Among 1,609 Banks companies, Fifth District Bancorp ranks better than 74.64% on this metric.

Fifth District Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Fifth District Bancorp has No Moat: Fifth District Bancorp Inc shows very weak competitive advantages with no significant market leadership, network effects, or proprietary technology. The company lacks strong brand strength, customer loyalty, and regulatory barriers that would provide a competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fifth District Bancorp might have No Moat - Very weak/transient advantages.

Fifth District Bancorp  (NAS:FDSB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fifth District Bancorp Moat Score Related Terms

FDSB vs UWHR, FSMK, BCOW: Moat Score Comparison

For the Banks - Regional subindustry, Fifth District Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Fifth District Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Fifth District Bancorp's Moat Score falls into.


FDSB
16GF Score
Fifth District Bancorp Inc FDSB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Fifth District Bancorp (FDSB) has a Moat Score of 3 as of Jul. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Fifth District Bancorp ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Fifth District Bancorp's Moat Score too high?
Fifth District Bancorp's current Moat Score is 3. Based on the distribution chart, Fifth District Bancorp ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to UWHR and FSMK?
According to the Banks industry distribution chart, Fifth District Bancorp ranks #408 out of 1609 companies for Moat Score. This puts Fifth District Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Fifth District Bancorp's current Moat Score is 3. 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 Moat Score of 3. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Fifth District Bancorp (FDSB), the current Moat Score is 3 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 Business Description

Address 4000 General DeGaulle Drive, New Orleans, LA, USA, 70114
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

Get the complete analysis for FDSB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.60
Price