FDSB Fifth District Bancorp, Inc. Common Stock
XNASStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
- Industry (SIC)
- SAVINGS INSTITUTION, FEDERALLY CHARTERED (6035) · industry map
- Exchange
- XNAS
- Market Cap
- $0.1B
- Employees
- 67
- List Date
- 2024-08-01
- CIK
- 0002012726
- Next Earnings
- 2026-11-09
- Headquarters
- New Orleans, LA
- Homepage
- https://www.fifthdistrict.com
Fifth District Bancorp Inc is a holding company of Fifth District. The company's loan portfolio consists mainly of fixed-rate one- to four-family residential mortgage loans. It also originates construction loans (residential and commercial), home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, and share loans (secured by deposit accounts), and purchase consumer and commercial business loans. The company offers a variety of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. In a…
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
| Month | '24 | '25 | '26 | Avg |
|---|---|---|---|---|
| Jan | -- | 2.20% | 0.47% | 1.33% |
| Feb | -- | -3.77% | -1.71% | -2.74% |
| Mar | -- | -3.86% | -0.94% | -2.40% |
| Apr | -- | -2.27% | 1.96% | -0.16% |
| May | -- | 2.06% | -0.30% | 0.88% |
| Jun | -- | -1.77% | 6.92% | 2.58% |
| Jul | -- | 8.96% | 8.10% | 8.53% |
| Aug | 2.54% | 6.11% | 3.40% | 4.02% |
| Sep | -1.24% | -0.79% | -5.92% | -2.65% |
| Oct | 7.62% | -3.05% | -0.87%* | 1.23% |
| Nov | 8.26% | 2.40% | -- | 5.33% |
| Dec | 1.69% | 8.93% | -- | 5.31% |
| Total | 19.98% | 14.91% | 10.83% | 15.24% |
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
Momentum Oscillators
Volume & Volatility
Data Summary
LLM Stock Analysis Report: FDSB
Executive Summary
Overall Assessment: NEUTRAL (Confidence Level: 7/10)
Key Drivers:
- Technical indicators suggest a neutral trend, with short-term momentum slowing down.
- Low volatility indicates reduced risk.
Primary Risks:
- Lack of recent news and earnings data may lead to limited market catalysts.
- Neutral sentiment may result in price consolidation or a continued sideways move.
Investment Thesis: FDSB's current price action is characterized by a neutral trend, with short-term momentum slowing down. The lack of recent news and earnings data may limit the stock's potential for significant moves. However, the low volatility suggests reduced risk, making it a potentially attractive entry point for conservative investors.
Recent News Sentiment Impact: No recent news headlines available; analysis focuses on technical indicators and historical data.
Technical Analysis
Trend Direction: Short-term: NEUTRAL (SMA 20 and EMA 12 align) Medium-term: BEARISH (SMA 50 below SMA 200) Long-term: BEARISH (SMA 200 below previous highs)
Support/Resistance Levels:
- Key resistance: $15.24 (Upper Bollinger Band)
- Key support: $14.97 (Lower Bollinger Band) and $14.37 (SMA 200)
Momentum Signals: RSI interpretation: Neutral (53.15), no clear buy or sell signal MACD signal: Bullish (0.03 above -0.00) Bollinger Bands position: Neutral (price touching middle band)
Volume Analysis: Volume SMA 20: 6799.35, indicating moderate trading activity On-Balance Volume (OBV): 644649.63, suggesting a lack of significant buying or selling pressure Volume Rate of Change: -37.43%, indicating reduced volume compared to previous periods
News & Sentiment Analysis
Recent Headlines Summary: No recent news headlines available.
Sentiment Assessment: Neutral (no clear positive or negative sentiment)
Catalyst Identification: None identified due to lack of recent news and earnings data.
Market Narrative: The neutral trend and low volatility suggest a potentially stable market environment, which may limit the stock's potential for significant moves.
Risk & Volatility Assessment
Beta Interpretation: Low risk relative to market (beta 0.23)
Volatility Regime: Low volatility - stock moves less than market
Options Market Signals: No options data available; analysis focuses on historical data and technical indicators.
Downside Protection: Support levels: $14.97 (Lower Bollinger Band) and $14.37 (SMA 200) Risk management considerations: Stop-loss levels should be set below the Lower Bollinger Band or SMA 200, depending on market conditions.
Market Context & Positioning
Sector Performance: No sector-specific data available; analysis focuses on historical data and technical indicators.
Institutional Activity: No institutional activity data available; analysis focuses on historical data and technical indicators.
Correlation Analysis: Correlation with SPY: 0.23, indicating a relatively stable relationship between the two stocks.
Relative Valuation: FDSB is trading within its normal range, suggesting no significant overvaluation or undervaluation.
Key Levels & Action Items
Critical Price Levels: $15.24 (Upper Bollinger Band) and $14.97 (Lower Bollinger Band)
Breakout/Breakdown Levels: None identified due to the neutral trend and lack of recent news and earnings data.
Time-Sensitive Catalysts: No upcoming events or catalysts identified.
Risk Management: Stop-loss levels should be set below the Lower Bollinger Band or SMA 200, depending on market conditions. Position sizing considerations: Conservative investors may consider entering long positions near current prices, while more aggressive investors may wait for a potential breakout above $15.24.
FDSB Options Activity & IV Rank
Each spread is ranked by a composite score built in three stages. Full documentation →
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Enter a ticker to render the implied volatility surface.
Enter a ticker to render the implied volatility smile.
Risk Metrics
Analysis Details
Data Points: 251
Period: 252 trading days
Low volatility - stock moves less than market
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Renaissance Technologies Hedge fund Jim Simons | $1.0M | #2301 of 3138 | -2.1% | 13F | |
| Citadel Hedge fund Ken Griffin | $336K | #4945 of 6285 | new | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
FDSB Institutional Ownership (13F)
Latest filings — 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
FDSB Insider Trading (Form 4)
Latest: 2026-08-26| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-08-26 | Chris M. Rittiner | Director | Sell (S) | −9,000 | $18.20 | -$163.8K | EDGAR |
| 2026-06-08 | Gregory P. Nolan | SVP & General Counsel | Award (A) | +11,118 | — | EDGAR | |
| 2026-05-26 | Linda A. Sins | Director | Sell (S) | −8 | $15.03 | -$120 | EDGAR |
| 2026-05-21 | Linda A. Sins | Director | Sell (S) | −2,692 | $15.02 | -$40.4K | EDGAR |
| 2026-04-01 | Shane Michael Smith | Chief Credit Officer | Mixed | +13,819 | $13.45 | $36.3K | EDGAR |
| 2026-03-30 | Shane Michael Smith | Chief Credit Officer | Mixed | +13,819 | $13.45 | $36.3K | EDGAR |
| 2026-02-10 | Melissa C. Burns | CFO and Treasurer | Award (A) | +31,133 | — | EDGAR | |
| 2026-02-10 | Amie L. Lyons | President and CEO | Award (A) | +31,133 | — | EDGAR | |
| 2026-02-10 | Dodie F. Gervais | VP of Lending Subsidiary | Award (A) | +31,133 | — | EDGAR | |
| 2025-09-18 | Linda A. Sins | Director | Sell (S) | −150 | $13.95 | -$2.1K | EDGAR |
| 2025-09-17 | David Charles Nolan | Director | Award (A) | +11,118 | — | EDGAR | |
| 2025-09-17 | Herman Greg Abry | Director | Award (A) | +11,118 | — | EDGAR | |
| 2025-09-17 | Linda A. Sins | Director | Award (A) | +11,118 | — | EDGAR | |
| 2025-09-17 | Chris M. Rittiner | Director | Award (A) | +11,118 | — | EDGAR | |
| 2025-09-17 | Nolan P. Lambert | Director | Award (A) | +11,118 | — | EDGAR |
FDSB Insider Holdings
10 insiders · @ $17.18| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Chris M. Rittiner | Director | 60,572 | $1.04M | -$163.8K | 2 | 2026-08-26 |
| 2 | Melissa C. Burns | CFO and Treasurer | 56,133 | $964.4K | $0 | 1 | 2026-02-10 |
| 3 | Dodie F. Gervais | VP of Lending Subsidiary | 56,133 | $964.4K | $0 | 1 | 2026-02-10 |
| 4 | Herman Greg Abry | Director | 41,118 | $706.4K | $0 | 1 | 2025-09-17 |
| 5 | Amie L. Lyons | President and CEO | 31,583 | $542.6K | $0 | 1 | 2026-02-10 |
| 6 | Linda A. Sins | Director | 28,718 | $493.4K | -$42.6K | 4 | 2026-05-26 |
| 7 | Nolan P. Lambert | Director | 22,518 | $386.9K | $0 | 1 | 2025-09-17 |
| 8 | David Charles Nolan | Director | 21,118 | $362.8K | $0 | 1 | 2025-09-17 |
| 9 | Gregory P. Nolan | SVP & General Counsel | 21,118 | $362.8K | $0 | 1 | 2026-06-08 |
| 10 | Shane Michael Smith | Chief Credit Officer | 19,131 | $328.7K | $72.7K | 2 | 2026-04-01 |
FDSB Board & Officers
As of SEC filings through Aug 26, 2026Directors 7
- Amie L. Lyons · since Jul 31, 2024
- Chris M. Rittiner · since Jul 31, 2024
- David Charles Nolan · since Jul 31, 2024
- Herman Greg Abry · since Jul 31, 2024
- Linda A. Sins · since Jul 31, 2024
- Nolan P. Lambert · since Jul 31, 2024
- Donna T. Guerra · since Jun 8, 2026
Officers 5
- Melissa C. Burns · CFO and Treasurer · since Jul 31, 2024
- Shane Michael Smith · Chief Credit Officer · since Jun 1, 2025
- Gregory P. Nolan · SVP & General Counsel · since Jun 8, 2026
- Amie L. Lyons · SVP of Subsidiary · since Jul 31, 2024
- Dodie F. Gervais · VP of Lending Subsidiary · since Jul 31, 2024
Changes in the last 10 years (16)
| Jun 8, 2026 | Gregory P. Nolan became SVP & General Counsel |
| Jun 8, 2026 | Donna T. Guerra became a director |
| Jun 3, 2025 | The company announced the departure of Brian W. North from the board in an SEC filing |
| Jun 3, 2025 | The company announced the departure of Brian W. North as President & CEO in an SEC filing |
| Jun 1, 2025 | Shane Michael Smith became Chief Credit Officer |
| Jul 31, 2024 | Nolan P. Lambert became a director |
| Jul 31, 2024 | Melissa C. Burns became CFO and Treasurer |
| Jul 31, 2024 | Linda A. Sins became a director |
| Jul 31, 2024 | Herman Greg Abry became a director |
| Jul 31, 2024 | Dodie F. Gervais became VP of Lending Subsidiary |
| Jul 31, 2024 | David Charles Nolan became a director |
| Jul 31, 2024 | Chris M. Rittiner became a director |
| Jul 31, 2024 | Brian W. North became a director |
| Jul 31, 2024 | Brian W. North became President & CEO |
| Jul 31, 2024 | Amie L. Lyons became a director |
| Jul 31, 2024 | Amie L. Lyons became SVP of Subsidiary |
FDSB Proposed Insider Sales (Form 144)
Latest: 2026-08-14What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-08-14 | CHRIS MICHAEL RITTINER | Director | 9,000 | $164.5K | 2026-08-14 | J.P. Morgan Securities LLC | — | EDGAR |
| 2026-05-20 | Sins Linda A. | Director | 2,400 | $36.0K | 2026-05-20 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2025-09-18 | Sins Linda A. | Director | 150 | $2.1K | 2025-09-18 | Fidelity Brokerage Services LLC | — | EDGAR |
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $2.9M | — | 2026-09-30 |
| 2 | VXF Vanguard Extended Market ETF | Vanguard | 0.00% | $928,231 | — | 2026-09-30 |
| 3 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.02% | $269,216 | $1.2B | 2026-10-21 |
| 4 | DXUV Dimensional US Vector Equity ETF | Dimensional | 0.00% | $28,538 | — | 2026-10-21 |
| 5 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.00% | $26,504 | — | 2026-10-21 |
| 6 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.00% | $21,516 | — | 2026-10-21 |
| 7 | DFSU Dimensional US Sustainability Core 1 ETF | Dimensional | 0.00% | $13,087 | $2.4B | 2026-10-21 |
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.