FDSB
Fifth District Savings Bank
FDSB trails on the overall score without a compensating advantage in the available component scores.
MS
Morgan Stanley
MS has the edge over FDSB overall, supported by stronger modeled upside and stronger fundamentals.
FDSB Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
FDSB's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like FDSB.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
FDSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $6.19 | -65% |
| Fair | 24x | $7.86 | -55% |
| Current | 53x | $17.55 | — |
| Expensive | 56x | $18.62 | +6.1% |
Historical ranges are pointers, not guarantees.
FDSB's PE is in its expensive range at 53x.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS has the edge over FDSB in the historical PE scenario, which offers more potential upside but is not a forecast.
FDSB Forward outlook
There aren't enough analyst estimates for FDSB to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
FDSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.33 | -55% |
| Q2 2026 | $0.33 | -35% |
| Q1 2026 | $0.86 | +4200% |
FDSB earned $0.33 per share over the past year, down 55% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over FDSB in the latest year-over-year earnings comparison.
FDSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4M | +12% |
| Q2 2026 | $4M | -42% |
| Q1 2026 | $3.8M | +18% |
| Q4 2025 | $3.6M | +18% |
| Q3 2025 | $3.6M | +14% |
| Q2 2025 | $6.9M | +157% |
| Q1 2025 | $3.2M | +178% |
FDSB's revenue is recovering but still below its 2025 peak: $4M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | -1.9 points |
| Q2 2026 | 12% | -32 points |
| Q1 2026 | 13% | +9.9 points |
| Q4 2025 | 17% | +13 points |
| Q3 2025 | 12% | +44 points |
| Q2 2025 | 44% | +12 points |
| Q1 2025 | 3.1% | +128 points |
| Q4 2024 | 4.2% | N/A |
FDSB's operating margin was 10% last quarter, down 1.9 points from the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over FDSB on profitability, with a higher operating margin.
FDSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1M | +1933% |
| Q2 2026 | $596K | +139% |
| Q1 2026 | $736K | -3.8% |
| Q4 2025 | -$126K | +$533K |
| Q3 2025 | $54K | -92% |
| Q2 2025 | $249K | +$750K |
| Q1 2025 | $765K | +$1.9M |
FDSB has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
FDSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +6K shares |
| 1 year | -5.2% | -267K shares |
FDSB has the edge over MS on shareholder dilution, with a more favorable share count trend.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
FDSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.7x | Net Cash |
| Q2 2026 | -7.1x | Net Cash |
| Q1 2026 | -4.5x | Net Cash |
| Q4 2025 | -7.0x | Net Cash |
| Q3 2025 | -7.9x | Net Cash |
| Q2 2025 | -9.4x | Net Cash |
| Q1 2025 | -37.9x | Net Cash |
FDSB has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
FDSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 44.1 | Neutral |
FDSB's weekly RSI is 57 (neutral) and its Stochastic is 44 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
FDSB PE vs Financial Services Sector
| Metric | FDSB | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 308% above |
| PE % | 72 | 22 | 50 pts above |
FDSB is trading at 53x earnings, a 308% premium to the Financial Services sector's median of 13x.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS has the edge over FDSB on valuation relative to its sector.
FDSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.5 | 0.6% above |
| 20 week MA | $17.7 | 1% below |
| 50 week MA | $16.1 | 9.1% above |
| 100 week MA | $14.5 | 21% above |
FDSB has stronger trend alignment. FDSB is above 3 of 4 weekly averages versus MS above 3 of 5.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
FDSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $10.2 | $12.7 | +25% |
| 2025 | $12.7 | $15.0 | +19% |
| 2026 YTD | $15.0 | $17.6 | +17% |
FDSB has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.