Fifth District Savings Bank carries no debt; cash flow comfortably covers obligations.

Fifth District Savings Bank's free cash flow has increased -160.23% from $-1.56M last year to $942.00K, signaling increasing performance

Fifth District Savings Bank's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Fifth District Savings Bank has insufficient data to evaluate this check.

Fifth District Savings Bank has a net cash position, so leverage is healthy.

Fifth District Savings Bank earns at least as much interest as it pays. Interest obligations are fully covered.

Fifth District Savings Bank's profit margin has increased (-226.03%) in the last year from -5.59% to 7.04%, signaling increasing performance

Fifth District Savings Bank's short-term liabilities of $393.16M exceed its short-term assets of $6.99M, signaling financial risk

Fifth District Savings Bank's return on assets of 0.31% is lower than the 5.00% threshold, indicating inefficient asset utilization

Fifth District Savings Bank's return on equity of 1.27%, is lower than 15.00%, indicating bad performance

Fifth District Savings Bank's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Fifth District Savings Bank has insufficient public price history to evaluate earnings stability.

Fifth District Savings Bank has positive free cash flow, indicating the company generates cash after capital expenditures

Fifth District Savings Bank has a free cash flow yield of 1.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Fifth District Savings Bank's yearly earnings has increased -479.22% since last year from $-1.08M to $4.09M, signaling increasing performance

Fifth District Savings Bank's yearly revenue has increased 14.36% since last year from $19.29M to $22.06M, signaling increasing performance

ROIC 0.25% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Fifth District Savings Bank's 3-year revenue CAGR of 19.94% is positive, indicating growing revenue over the past 3 years

Fifth District Savings Bank has insufficient public price history to evaluate revenue consistency.

Fifth District Savings Bank has insufficient public price history to evaluate ROE consistency.

Fifth District Savings Bank has insufficient data to evaluate this check.

Fifth District Savings Bank has an earnings yield of 1.80%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Fifth District Savings Bank is overvalued relative to its fair value price of 7.37 based on EBITDA multiple model

Fifth District Savings Bank has an EV/EBITDA ratio of 18.37x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Fifth District Savings Bank has insufficient data to evaluate this check.

Fifth District Savings Bank has insufficient diluted EPS history to calculate the PEG ratio.

Fifth District Savings Bank has a price-to-book ratio of 0.71x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Fifth District Savings Bank has a price-to-sales ratio of 3.92x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue