Fifth District Savings Bank (FDSB) P/E Ratio History
UndervaluedTrading at 20.7x vs 5Y avg 132.1x · 60th percentile · Below historical baseline · Data 2025–2026
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P/E Ratio Analysis
As of July 8, 2026, Fifth District Savings Bank (FDSB) trades at a price-to-earnings ratio of 20.7x, with a stock price of $16.56 and trailing twelve-month earnings per share of $0.85.
The current P/E is 84% below its 5-year average of 132.1x. Over the past five years, FDSB's P/E has ranged from a low of 17.4x to a high of 581.0x, placing the current valuation at the 60th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, FDSB trades at a 45% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 157.0x.
Relative to the broader market, FDSB trades roughly in line with the S&P 500 median P/E of 25.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our FDSB DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
FDSB Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
FDSB P/E vs Peers
Mortgage originators and servicers peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 16.7 | 2.62 | +331%Best | |
| $3B | 14.9 | 2.12Best | +13% | |
| $225M | 16.0 | 3.14 | +9% | |
| $956M | 16.8 | 4.64 | +26% | |
| $620M | 749.5 | - | -97% | |
| $586M | 22.2 | - | +130% | |
| $12B | 13.7Lowest | - | +38% | |
| $77B | 23.6 | 2.66 | +21% | |
| $22B | 56.8 | 2.33 | -47% | |
| $11B | 23.5 | 2.33 | +19% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
FDSB Historical P/E Data (2025–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $14.82 | $0.85 | 17.4x | -87% |
| FY2025 Q4 | Dec 31 2025 | $15.00 | $0.80 | 18.8x | -86% |
| FY2025 Q3 | - | $13.83 | $0.73 | 19.0x | -86% |
| FY2025 Q2 | Jun 30 2025 | $12.35 | $0.51 | 24.2x | -82% |
| FY2025 Q1 | Mar 31 2025 | $12.20 | $0.02 | 581.0x | +340% |
Average P/E for displayed period: 132.1x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
1+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
FDSB — Frequently Asked Questions
Quick answers to the most common questions about buying FDSB stock.
What is FDSB's P/E ratio?
Fifth District Savings Bank (FDSB) trailing twelve-month P/E ratio is 20.7x, based on TTM diluted EPS of $0.85. The 5-year average P/E is 132.1x and the historical range spans 17.4x to 581.0x.
Is FDSB stock overvalued or undervalued?
FDSB trades at 20.7x P/E, below its 5-year average of 132.1x. At the 60th percentile of its historical range (17.4x–581.0x), the stock is priced at a discount to its own history.
Is FDSB stock expensive?
No, FDSB is not expensive on a historical basis. The current P/E of 20.7x is below the 5-year average of 132.1x and sits at the 60th percentile of its valuation range.
What is FDSB's historical P/E range?
Over the past 5 years, FDSB's P/E ratio has ranged from 17.4x to 581.0x, with a median of 19.0x and an average of 132.1x. The current P/E of 20.7x places the stock at the 60th percentile of this range. Full historical data spans 2025–2026.
How does FDSB's P/E compare to the S&P 500?
FDSB trades at 20.7x P/E versus the S&P 500 median of 25.9x. The 20% discount to the market suggests lower growth expectations or perceived higher risk.
How does FDSB's valuation compare to Financial Services peers?
Fifth District Savings Bank P/E of 20.7x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is FDSB's PEG ratio?
FDSB PEG ratio is N/A, based on a P/E of 20.7x and EPS growth of 481.0%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is FDSB's earnings yield?
FDSB earnings yield is 4.83%, the inverse of its 20.7x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.