CPBI (61) BYFC (31) PROV (60) SFBC (67) ⌘ Pro Terminal →

Fifth District Bancorp Inc. (FDSB) — RQD Stock Rating Cockpit

$17.45 +0.51% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.43

Fifth District Bancorp Inc. (FDSB) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $91.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $17.43 (-0.10%)🧬 Disciplined Float (+0.24% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 94.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

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 B

Each axis scored 0–20

12M PRICE TARGET CONE+0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FDSB)Realized 20D OHLCV Swing Band: ±2.1%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY FDSB SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (27% of score)

FRED Regime × Technicals: 78% of 52W Range • RSI-14 at 54.4 (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-$17.32-2.5% Next Q

Q2 (-2Q)

Grade C-$16.88+3.3% Next Q

Q3 (-1Q)

Grade C$17.44+0.1% Next Q

Current

Grade C-$17.45+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)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 59/100 (C-) 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 ($17.81) or 200D SMA ($16.23) invalidates the momentum regime and cuts Target Base ($17.53) toward Bear Floor ($13.67).

🎲 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 59%NO 41%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE78% OF RANGE

L: $13$17.45H: $19

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FDSB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

3.2% ROIC with 42.0% gross margin and 1.03% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (63)

22/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like FDSB

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

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

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

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FDSB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

FDSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.41%📐 HORIZONTAL RANGE

2026-10-30O $17.71H $17.71L $17.45C $17.45VOL 500

RES: $19.46SUP: $16.70SMA50: $17.81SMA200: $16.23

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #584 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Fifth District Bancorp Inc. (FDSB) ranks #584 by composite RQD confidence (59/100, grade C-) and #969 by equity capitalization ($91.4M). 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. SFBC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with FDSB at 59/100 (C-).

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.	C-	59/100	22.3x	—	3.2%	+0.51%	$91.4M	Benchmark Subject
CPBI Central Plains Bancshares Inc.	C-	61/100	21.5x	—	4.6%	0.00%	$86.0M	/cpbi-vs-fdsb →
BYFC Broadway Financial Corporation (Class A)	E	31/100	—	—	-9.4%	+0.26%	$106.5M	/byfc-vs-fdsb →
PROV Provident Financial Holdings Inc.	C-	60/100	18.0x	—	4.9%	0.00%	$112.8M	/prov-vs-fdsb →
SFBC Sound Financial Bancorp Inc.	C+	67/100	16.1x	—	6.5%	0.00%	$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 2026-11-01, Fifth District Bancorp Inc. (NASDAQ: FDSB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $17.45 (+0.51% 1D, market cap $91.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, FDSB ranks #584 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 C- (59/100 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 (61/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M) and BYFC (Broadway Financial Corporation (Class A)) posts a E grade (31/100 RQD, P/E N/A, ROIC -9.4%, cap $106.5M). 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 $17.45 (+0.51% on volume of 1,275 shares), positioning the stock -2.02% below its 50-day simple moving average ($17.81) and +7.52% above its 200-day simple moving average ($16.23). Across its 52-week range of $13.00 to $18.69, FDSB sits at the 78.2% percentile with a 14-day RSI of 54.4 (NEUTRAL RANGE) and an implied next-earnings move of ±2.1% ($17.08 to $17.82).

FDSB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FDSB stock right now?

Fifth District Bancorp Inc. (FDSB) currently earns a Roarable Rating of C- (Hold — HOLD) with 59/100 RQD Confidence. Solid steady margins (3% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.

What is FDSB's 12-month price target and RQD AI Jury consensus?

FDSB's 12-month base price target is $17.53 (range $13.67 to $20.69), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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