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.
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.
Fifth District BancorpFDSB +0.85%16 Pretax Margin % is 12.97% as of Mar. 2026, which is 21% below its 10-year median of 16.40. GuruFocus rates FDSB with a GF Score™ of 16/100. The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Fifth District Bancorp ranks worse than 72.54% on this metric.
The historical rank and industry rank for Fifth District Bancorp's Pretax Margin % or its related term are showing as below:
FDSB'
s Pretax Margin % Range Over the Past 10 Years
Min: -14.26 Med: 16.4 Max: 26.37
Current: 25.62
FDSB's Pretax Margin % is ranked worse than 72.54% of 1526
companies
in the Banks industry
Industry Median: 35.245
vs FDSB: 25.62
Fifth District Bancorp (NAS:FDSB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Fifth District Bancorp Pretax Margin % Related Terms
Fifth District Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Fifth District Bancorp's Pretax Margin % 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: Pretax Margin % Comparison
For the Banks - Regional subindustry, Fifth District Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fifth District Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Fifth District Bancorp's Pretax Margin % 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 Pretax Margin % of 12.97% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Fifth District Bancorp and its competitors. This is 21% below median its historical median of 16.40. According to the industry distribution chart, Fifth District Bancorp ranks #1107 out of 1526 companies in the Banks industry, placing it in the top 72.5%.
Is Fifth District Bancorp's Pretax Margin % too high?
Fifth District Bancorp's current Pretax Margin % of 12.97% is 21% below median its 10-year median of 16.40. The Banks industry median Pretax Margin % is 35.25. Fifth District Bancorp's value of 12.97% is 63.2% below this industry median. Based on the distribution chart, Fifth District Bancorp ranks #1107 out of 1526 companies in the Banks industry, which is below 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 Pretax Margin % compare to UWHR and FSMK?
According to the Banks industry distribution chart, Fifth District Bancorp ranks #1107 out of 1526 companies for Pretax Margin %. This places Fifth District Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.25. Fifth District Bancorp's value of 12.97% is 63.2% below this benchmark. While the company's 10-year median is 16.40 vs. the industry median of 35.25, Fifth District Bancorp has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.25, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fifth District Bancorp's current Pretax Margin % of 12.97% is 63.2% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Fifth District Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fifth District Bancorp's current Pretax Margin % is 12.97%, which is 21% below median its own 10-year median of 16.40. 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 Pretax Margin % of 12.97%. The current Pretax Margin % is 12.97%, which is 21% below median its 10-year median of 16.40 and 63.2% below the Banks industry median of 35.25. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Fifth District Bancorp (FDSB), the current Pretax Margin % is 12.97% 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
Get the complete analysis for FDSB
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FDSB has been successfully added to your 
