Fifth District Bancorp, Inc. (FDSB) Fair Value 2026

FDSB · Savings Institution, Federally Chartered ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.8 /10

32 fundamental signals · 12 models active

Value Trap Risk

— (—/100)

Quick Summary — As of 2026-07-14, Fifth District Bancorp, Inc. (FDSB) trades at $17.65, approximately 5% below CirclFi’s Bayesian DCF fair value of $18.62. QOC: 6.8/10. 12/13 models active.

Key Facts

Ticker
FDSB
Price
$17.65
Quality Score
6.8/10
Value Trap Risk
—/100
Models Active
12/13
Last Updated
Strength: CUCE Ensemble suggests +12.5% upside with 10% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($17.65)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $18.62 +5.5%
Earnings Power Value
Medium Conviction
 $10.10 -42.8%
CUCE Ensemble
Low Conviction
 $19.86 +12.5%
First Chicago
Medium Conviction
 $13.26 -24.8%

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What Is Fifth District Bancorp, Inc. (FDSB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Fifth District Bancorp, Inc. at its current price of $17.65. The composite intrinsic value is estimated at $17.77 (+0.7% average return), with 8 models flagging overvaluation risk. Model dispersion is worth noting: ML-RIV targets $51.21 (+190.1%), versus Markov DDM at $6.03 (-65.8%). This +256.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About FDSB?

12 of 13 models are currently active for FDSB. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates FDSB's intrinsic value at $18.62, implying +5.5% upside from the current price. See which stocks rank higher →

How Does FDSB Rank in Savings Institution, Federally Chartered?

Among 36 Savings Institution, Federally Chartered stocks, FDSB ranks #27 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.

See all Most Undervalued Savings Institution, Federally Chartered Stocks →

Fifth District Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is FDSB a Value Trap?

The Value Trap algorithm is not active for FDSB. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Fifth District Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Fifth District Bancorp, Inc. is rated at 6.8/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +256.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FDSB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FDSB's 12 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Fifth District Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Savings Institution, Federally Chartered Stocks Should You Also Analyze?

8 related Savings Institution, Federally Chartered stocks with 13-model coverage

CPBICentral Plains Bancshares, Inc.QOC 9.5MGYRMagyar Bancorp, Inc.QOC 9.3HTBHomeTrust Bancshares, Inc.QOC 9.1AXAxos Financial, Inc.QOC 9.0FCAPFirst Capital, Inc.QOC 8.7CLSTCatalyst Bancorp, Inc.QOC 8.5BVFLBV Financial, Inc.QOC 8.5BCBPBCB Bancorp, Inc. (NJ)QOC 8.4

Read investment analysis: CPBI · MGYR · HTB · AX · FCAP

See all Savings Institution, Federally Chartered stocks ranked →

Frequently Asked Questions About Fifth District Bancorp, Inc.

What is Fifth District Bancorp, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Fifth District Bancorp, Inc. (FDSB) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $18.62. The Quality of Company score is 6.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FDSB overvalued or undervalued right now?

At $17.65, 4 of 12 active models suggest FDSB may be undervalued, while 8 indicate potential overvaluation. The assessment depends on which methodology best fits Fifth District Bancorp, Inc.'s business model in Savings Institution, Federally Chartered.

What does a Quality of Company score of 6.8 mean for FDSB?

Fifth District Bancorp, Inc.'s QOC of 6.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on FDSB?

CirclFi analyzes FDSB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is FDSB a value trap in 2026?

CirclFi's Value Trap algorithm does not have sufficient data for FDSB at this time. Browse stocks by value-trap risk →

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