Are FDSB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FDSB leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

Stock Ratings / Financials / FDSB / insiders

CPBI (67) BYFC (37) PROV (64) SFBC (65) ⌘ Pro Terminal →

Fifth District Bancorp Inc. (FDSB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FDSB Below — or Connect Your Own ChatGPT / Claude

🤖 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

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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+

Quant Analyst Panel 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 RQD RADARRw D+ · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

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)

Grade C-$17.12-0.1% Next Q

Q2 (-2Q)

Grade C-$17.10+0.8% Next Q

Q3 (-1Q)

Grade C$17.23+2% Next Q

Current

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 →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FDSB Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FDSB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FDSB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

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?

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

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

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) ↓

🟡 MARKET WIRE TradingView • 1d ago

Fifth District Bancorp, Inc. Estimates – NASDAQ:FDSB

TradingView report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Yahoo Finance • 1d ago

Insider Buying Is Rising at These 3 Regional Banks, But the Details Matter

Yahoo Finance report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE TradingKey • 1d ago

Most Active Stocks Today: U.S. Market

TradingKey report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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🔴 RISK WATCH https://www.dars.gov.et/ • 1d ago

FDSB Q2 2026 Earnings: A Modest Per-Share Profit With a Muted Market Response - Revenue Miss Report

https://www.dars.gov.et/ report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE TradingKey • 1d ago

Unusual Volume Stocks & Volume Spikes Today

TradingKey report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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Radaan Mediaworks (RADAAN.NS) Steadies Near ₹3.0 as Penny Counter Consolidates - Gap Up Stocks

https://www.siam.in/ report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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🔴 RISK WATCH https://www.dars.gov.et/ • 2d ago

FDSB Q2 2026 Earnings: $0.08 EPS With Limited Revenue and Estimate Comparability - Earnings Manipulation Risk

https://www.dars.gov.et/ report covering Fifth District Bancorp Inc. (FDSB) market action, institutional positioning, and fundamental catalysts.

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High Dividend Yield Stocks for Income

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🔥 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

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.