Fifth District Savings Bank (FDSB)

Fifth District Savings Bank (FDSB) — VMCI valuation read

The headline on Fifth District Savings Bank (FDSB) is a 51/100 VMCI score, set against a Financial Services sector median of 50. That 1-point above-median read reflects the five-pillar weighting and, for a mid-cap name, suggests a relative-value tailwind is in the data.

FDSB insider activity report: 0 buys, 0 sells filed via Form 4 over the past 30 days. The next datable items are the 10-Q schedule and any 8-K-triggering events; both feed the VMCI Integrity pillar more than the price tape.

**Investor frame.** FDSB trades at 23.0x earnings, 28% above the Financial Services median of 18.0x sets the value side. ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%) sets the quality side. Net debt to EBITDA of -1.2x leaves covenant headroom sets the risk side, the three lines a value buyer reads first on FDSB.

FDSB fell 0.3% over the trailing 7 days, with a -16.9% read on a 30-day basis.