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Fifth District Bancorp Inc. (FDSB) Options Positioning, Max Pain & Unusual Sweeps

$17.58 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.55

Fifth District Bancorp Inc. (FDSB) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $92.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FDSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Fifth District Bancorp Inc. (NASDAQ: FDSB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $17.58 (0.00% 1D, market cap $92.0M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, FDSB ranks #470 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FDSB compare to CPBI and BYFC in the Financials sector?
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Within the Financials sector (Savings Institutions), FDSB carries a Roarable D+ (58/100 RQD), trailing P/E of 22.3x, gross margin of —, and ROIC of 3.2%. By comparison, CPBI (Central Plains Bancshares Inc.) holds a C+ grade (67/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M) and BYFC (Broadway Financial Corporation (Class A)) posts a D- grade (37/100 RQD, P/E N/A, ROIC -9.4%, cap $106.3M). Among the 5-stock peer group, SFBC leads on earnings multiple (16.1x) while SFBC leads on capital efficiency (6.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FDSB?
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Per FDSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002012726), Fifth District Bancorp Inc. generated $605.0K in revenue (-2.3% YoY), $4.1M in net income, and $942.0K in free cash flow against $534.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $17.55 (-0.19%)🧬 Disciplined Float (+0.24% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 94.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C+
Cash (8)Whales (12)SEC (13)Macro (14)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$21 Bull$18 Base$14 Bear
📬 FREE FDSB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FDSB)Realized 20D OHLCV Swing Band: ±2.1%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY FDSB SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (24% of score)

FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 54.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$17.12-0.1% Next Q
Q2 (-2Q)
53
Grade C-$17.10+0.8% Next Q
Q3 (-1Q)
55
Grade C$17.23+2% Next Q
Current
58
Grade D+$17.58+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FDSB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, FDSB faces multiple-compression risk if 22.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (+0.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.77) or 200D SMA ($16.25) invalidates the momentum regime and cuts Target Base ($17.58) toward Bear Floor ($13.71).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FDSB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FDSB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±2.1%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FDSB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FDSB.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FDSB)

  • ✓Walkthrough of FDSB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FDSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.27%📐 HORIZONTAL RANGE
2026-11-03O $17.45H $17.58L $17.45C $17.58VOL 511
RES: $19.50SUP: $16.69SMA50: $17.77SMA200: $16.25
$19.00$17.70$16.40$15.10$13.80RES $19.50SUP $16.69$17.582026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FDSB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FDSB Butterfly Map → + Track FDSB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
16.0%/yr Implied 5Y Growth

vs. -2.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FDSB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FDSB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FDSB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FDSB)

Financials Rank #470 of 1097 ⚔️ CPBI vs FDSB Full Matrix →

1. Head-to-Head Financials Peer Comparison (FDSB vs. CPBI, BYFC, PROV, SFBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Fifth District Bancorp Inc. (FDSB) ranks #470 by composite RQD confidence (58/100, grade D+) and #967 by equity capitalization ($92.0M). Within this direct 5-issuer industry benchmark cohort, SFBC leads on earnings valuation at 16.1x trailing P/E, while SFBC leads on capital efficiency and profitability with 6.5% ROIC and — gross margin. CPBI currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with FDSB at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FDSB ACTIVE
Fifth District Bancorp Inc.
D+ 58/100 22.3x — 3.2% 0.00% $92.0M Benchmark Subject
CPBI
Central Plains Bancshares Inc.
C+ 67/100 21.5x — 4.6% +0.63% $86.0M /cpbi-vs-fdsb →
BYFC
Broadway Financial Corporation (Class A)
D- 37/100 — — -9.4% +1.66% $106.3M /byfc-vs-fdsb →
PROV
Provident Financial Holdings Inc.
C 64/100 18.0x — 4.9% 0.00% $112.6M /prov-vs-fdsb →
SFBC
Sound Financial Bancorp Inc.
C 65/100 16.1x — 6.5% -1.71% $115.6M /sfbc-vs-fdsb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002012726 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Fifth District Bancorp Inc. (FDSB) reported GAAP revenue of $605.0K (-2.3% vs. FY2024 revenue of $619.0K , and -1.5% cumulative change since FY2023) , GAAP net income of $4.1M, operating cash flow of $1.3M, and free cash flow of $942.0K (+160.2% YoY). On the balance sheet, FDSB closed FY2025 with $534.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $605.0K $4.1M $1.3M $942.0K $534.4M —
FY2024 (FY) 2024-12-31 $619.0K -$1.1M -$1.1M -$1.6M $527.3M —
FY2023 (FY) 2023-12-31 $614.0K $797.0K $796.0K $796.0K — —

3. FDSB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FDSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Fifth District Bancorp Inc. (NASDAQ: FDSB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $17.58 (0.00% 1D, market cap $92.0M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, FDSB ranks #470 in composite RQD confidence.

How does FDSB compare to CPBI and BYFC in the Financials sector?

Within the Financials sector (Savings Institutions), FDSB carries a Roarable D+ (58/100 RQD), trailing P/E of 22.3x, gross margin of —, and ROIC of 3.2%. By comparison, CPBI (Central Plains Bancshares Inc.) holds a C+ grade (67/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M) and BYFC (Broadway Financial Corporation (Class A)) posts a D- grade (37/100 RQD, P/E N/A, ROIC -9.4%, cap $106.3M). Among the 5-stock peer group, SFBC leads on earnings multiple (16.1x) while SFBC leads on capital efficiency (6.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FDSB?

Per FDSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002012726), Fifth District Bancorp Inc. generated $605.0K in revenue (-2.3% YoY), $4.1M in net income, and $942.0K in free cash flow against $534.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FDSB trading relative to its 50-day, 200-day, and 52-week technical levels?

FDSB last traded at $17.58 (0.00% on volume of 618 shares), positioning the stock -1.07% below its 50-day simple moving average ($17.77) and +8.18% above its 200-day simple moving average ($16.25). Across its 52-week range of $13.00 to $18.69, FDSB sits at the 80.5% percentile with a 14-day RSI of 54.1 (NEUTRAL RANGE) and an implied next-earnings move of ±2.1% ($17.21 to $17.95).

Direct Sub-Reports: FDSB RQD Cockpit FDSB 12M Forecast FDSB Earnings & Move FDSB Dividends & DRIP FDSB Insiders & 13F FDSB Whale Options FDSB Profit Sankey FDSB News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

FDSB — Fifth District Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Fifth District Bancorp Inc. (FDSB) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $17.58 (0.00% 1D, market capitalization $92.0M).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 3.2%, gross margin of —, operating margin of —, and free cash flow yield of 1.03%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Fifth District Bancorp Inc. (FDSB) is a NASDAQ-listed operating company in the Savings Institutions industry (Financials sector) with an equity market capitalization of $92.0M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 3.2% (free cash flow yield of 1.03%). Within the Savings Institutions peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Fifth District Bancorp Inc. (FDSB) reported $605.0K in annual revenue (up from $619.0K in FY2024, -2.3% YoY) and $4.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($614.0K revenue, $797.0K net income) through FY2025, FDSB scaled operating cash flow to $1.3M and free cash flow to $942.0K, backed by $534.4M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.03% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $13.00 – $18.69 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 22.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), FDSB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can FDSB sustain or expand its — operating margin and 3.2% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $605.0K and free cash flow of $942.0K, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FDSB's 20.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FDSB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Fifth District Bancorp Inc. (FDSB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FDSB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FDSB Bull vs. Bear Conversation Board — What's Your Call at $17.58?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FDSB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FDSB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $21.97 (+25.0%)
📌 Pinned Debate

Net income swung to $4.1M in FY 2025 with cash of $33.9M and an Altman Z of 2.5 supporting the balance sheet pillar.

Don't sleep on FDSB's setup in Financials. Net income swung to $4.1M in FY 2025 with cash of $33.9M and an Altman Z of 2.5 supporting the balance sheet pillar.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (58/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@MacroHawk_NYC Agree on the RQD 58/100 quality, though with 1.0 beta I'm scaling in with half-size at $17.58 and keeping dry powder in case we test $16.35.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $13.89 (-21.0%)
Spot @ $17.58

ROIC of 3.2% and FCF yield of 1.03% against a P/E of 22.3 leave the valuation poorly supported by cash generation.

Fading this rally in FDSB at $17.58. ROIC of 3.2% and FCF yield of 1.03% against a P/E of 22.3 leave the valuation poorly supported by cash generation.. With a beta of 1.0 and the stock sitting at $17.58 (52-wk range $13.00–$18.69), the easy multiple expansion is already priced in.

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