FDSB
Fifth District Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Neutral
+15/100
Last price
17.50
▲ 0.03 (0.17%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
17.56
Prev close
17.47
Day high
17.56
Day low
17.37
Volume
2.51K
Market cap
$91.62M
P/E (TTM)
51.47
52W range
13.00 – 18.69
Day trading desk
Gap from prior close
+0.49%
Prior close 17.47
VWAP
17.41
+0.53% from price
Relative volume
0.31×
Quiet session
Session range
1.07%
17.37 – 17.56
Position in range
70%
Near session high
ATR (14D)
0.28
1.57% of price
Prior day high
17.47
PDH
Prior day low
17.35
PDL
Bid / ask spread
—
Quote not published
Session volume
1.96K
Avg 6.37K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.10%
-0.8%
1M
-4.74%
-6.2%
3M
+2.94%
-0.5%
6M
+18.48%
+3.5%
YTD
+16.67%
+2.7%
1Y
+27.46%
+11.7%
3Y
—
-81.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FDSB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-582
Net selling
Buy transactions
1
11.12K shares
Sell transactions
3
11.70K shares
Net transactions
+4
Buys less sells
Sell : buy shares
1.1 : 1
Mixed
Insider-held shares
458.38K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 25, 26 | RITTINER CHRIS M Director |
SELL | 9.00K | $163.78K | Direct |
| Jun 8, 26 | NOLAN GREGORY P General Counsel |
STOCK | 11.12K | $0 | Direct |
| May 21, 26 | SINS LINDA A Director |
SELL | 8 | $120 | Indirect |
| May 20, 26 | SINS LINDA A Director |
SELL | 2.69K | $40.43K | Indirect |
| Feb 9, 26 | GERVAIS DODIE F Officer |
STOCK | 31.13K | $0 | Direct |
| Feb 9, 26 | BURNS MELISSA C Chief Financial Officer |
STOCK | 31.13K | $0 | Direct |
| Feb 9, 26 | LYONS AMIE L Chief Executive Officer |
STOCK | 31.13K | $0 | Direct |
| Feb 9, 26 | SMITH SHANE MICHAEL Officer |
STOCK | 11.12K | $0 | Direct |
| Feb 9, 26 | SMITH SHANE MICHAEL Officer |
STOCK | 11.12K | $0 | Direct |
| Sep 18, 25 | SINS LINDA A Director |
SELL | 150 | $2.09K | Indirect |
| Sep 16, 25 | RITTINER CHRIS M Director |
STOCK | 11.12K | $0 | Direct |
| Sep 16, 25 | NOLAN DAVID CHARLES Chairman of the Board |
STOCK | 11.12K | $0 | Direct |
| Sep 16, 25 | LAMBERT NOLAN P Director |
STOCK | 11.12K | $0 | Direct |
| Sep 16, 25 | ABRY HERMAN GREG Director |
STOCK | 11.12K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ABRY HERMAN GREG |
Director | 41.12K | Stock Award(Grant) |
BURNS MELISSA C |
Chief Financial Officer | 56.13K | Stock Award(Grant) |
GERVAIS DODIE F |
Officer | 56.13K | Stock Award(Grant) |
LAMBERT NOLAN P |
Director | 46.12K | Stock Award(Grant) |
LYONS AMIE L |
Chief Executive Officer | 51.58K | Stock Award(Grant) |
NOLAN DAVID CHARLES |
Chairman of the Board | 21.12K | Stock Award(Grant) |
NOLAN GREGORY P |
General Counsel | 21.12K | Stock Award(Grant) |
RITTINER CHRIS M |
Director | 52.12K | Sale |
SINS LINDA A |
Director | — | Sale |
SMITH SHANE MICHAEL |
Officer | 25.55K | Stock Award(Grant) |
Fundamentals
Market cap$91.62M
Enterprise value$72.31M
Revenue (TTM)$14.08M
Gross profit$14.08M
EBITDA—
Net income$1.66M
EPS (TTM)$0.34
Free cash flow—
Total cash$19.16M
Total debt$0
Book value / share$24.64
Shares outstanding5.24M
Float4.79M
Short % of float0.13%
Dividend yield0.00%
Beta (5Y)0.24
Valuation & profitability ratios
Trailing P/E51.47
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.71
EV / revenue5.13
EV / EBITDA—
Gross margin0.00%
Operating margin13.60%
Profit margin11.75%
Return on equity1.27%
Return on assets0.31%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $17.28M | $10.07M | $11.02M | $13.73M | +71.6% |
| Operating revenue | $17.28M | $10.07M | $11.02M | $13.73M | +71.6% |
| Selling, general & admin | $8.23M | $7.32M | $6.79M | $6.72M | +12.4% |
| Pre-tax income | $4.18M | -$1.44M | $946.00K | $3.62M | +391.4% |
| Tax provision | $97.00K | -$358.00K | $149.00K | $712.43K | +127.1% |
| Net income | $4.09M | -$1.08M | $797.00K | $2.91M | +479.2% |
| Net income to common | $4.09M | -$1.08M | $797.00K | $2.91M | +479.2% |
| Basic EPS | 0.80 | -0.21 | 0.14 | 0.52 | +481.0% |
| Diluted EPS | 0.80 | -0.21 | 0.14 | 0.52 | +481.0% |
| Basic shares | 5.12M | 5.13M | 5.56M | 5.56M | -0.2% |
| Diluted shares | 5.12M | 5.13M | 5.56M | 5.56M | -0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $33.85M | $37.92M | $19.31M | $20.28M | -10.7% |
| Accounts receivable | $1.59M | $1.62M | $1.59M | $1.59M | -1.9% |
| Property, plant & equipment | $11.64M | $11.92M | $12.47M | $11.12M | -2.4% |
| Total assets | $534.39M | $527.31M | $480.80M | $473.43M | +1.3% |
| Current debt | — | $0 | $4.00M | $0 | — |
| Total debt | — | $0 | $4.00M | $0 | — |
| Total liabilities | $404.64M | $401.53M | $403.00M | $397.36M | +0.8% |
| Retained earnings | $86.94M | $83.69M | $84.77M | $83.97M | +3.9% |
| Shareholder equity | $129.76M | $125.78M | $77.80M | $76.07M | +3.2% |
| Net tangible assets | $129.76M | $125.78M | $77.80M | $76.07M | +3.2% |
| Shares issued | 5.35M | 5.56M | 5.56M | 5.56M | -3.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $4.09M | -$1.08M | $797.00K | $2.91M | +479.2% |
| Depreciation & amortisation | $671.00K | $694.00K | $548.00K | $532.93K | -3.3% |
| Stock-based compensation | $355.00K | $246.00K | $0 | — | +44.3% |
| Change in working capital | -$124.00K | -$164.00K | -$333.00K | $284.66K | +24.4% |
| Operating cash flow | $1.33M | -$1.05M | $796.00K | $3.97M | +225.8% |
| Capital expenditure | -$384.00K | -$510.00K | -$1.91M | -$1.07M | +24.7% |
| Investing cash flow | -$5.03M | -$27.48M | -$6.64M | -$25.86M | +81.7% |
| Share buybacks | -$2.94M | — | — | — | — |
| Financing cash flow | -$360.00K | $47.15M | $5.11M | $18.35M | -100.8% |
| Free cash flow | $942.00K | -$1.56M | -$1.11M | $2.90M | +160.2% |
| End cash position | $33.85M | $37.92M | $19.31M | $20.04M | -10.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $3.96M | $3.78M | $3.64M | $3.57M | $6.87M | — | +4.7% |
| Operating revenue | $3.96M | $3.78M | $3.64M | $3.57M | $6.87M | — | +4.7% |
| Selling, general & admin | $2.23M | $2.07M | $1.66M | $1.93M | $2.68M | — | +7.8% |
| Pre-tax income | $485.00K | $490.00K | $617.00K | $434.00K | $3.04M | — | -1.0% |
| Tax provision | $101.00K | $103.00K | $76.00K | $91.00K | -$91.00K | — | -1.9% |
| Net income | $384.00K | $387.00K | $541.00K | $343.00K | $3.13M | — | -0.8% |
| Net income to common | $384.00K | $387.00K | $541.00K | $343.00K | $3.13M | — | -0.8% |
| Basic EPS | 0.08 | 0.08 | — | 0.07 | 0.61 | 0.02 | 0.0% |
| Diluted EPS | 0.08 | 0.08 | — | 0.07 | 0.61 | 0.02 | 0.0% |
| Basic shares | 4.87M | 4.91M | — | 5.14M | 5.14M | 5.14M | -0.9% |
| Diluted shares | 4.87M | 4.91M | — | 5.14M | 5.14M | 5.14M | -0.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $19.16M | $23.31M | $33.85M | $34.38M | $27.69M | -17.8% |
| Accounts receivable | $2.27M | $1.80M | $1.59M | $2.34M | $2.21M | +26.1% |
| Property, plant & equipment | $11.88M | $11.77M | $11.64M | $11.72M | $11.82M | +0.9% |
| Total assets | $532.13M | $535.69M | $534.39M | $539.50M | $539.81M | -0.7% |
| Total liabilities | $403.12M | $406.38M | $404.64M | $408.20M | $408.91M | -0.8% |
| Retained earnings | $87.14M | $87.03M | $86.94M | $87.10M | $86.90M | +0.1% |
| Shareholder equity | $129.00M | $129.31M | $129.76M | $131.30M | $130.90M | -0.2% |
| Net tangible assets | $129.00M | $129.31M | $129.76M | $131.30M | $130.90M | -0.2% |
| Shares issued | 5.24M | 5.29M | 5.35M | 5.52M | 5.56M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $384.00K | $387.00K | $541.00K | $343.00K | $3.13M | -0.8% |
| Depreciation & amortisation | $164.00K | $164.00K | $166.00K | $168.00K | $167.00K | 0.0% |
| Stock-based compensation | $258.00K | $221.00K | $142.00K | $75.00K | $68.00K | +16.7% |
| Change in working capital | $117.00K | $338.00K | -$1.20M | -$402.00K | $603.00K | -65.4% |
| Operating cash flow | $862.00K | $1.04M | -$44.00K | $117.00K | $430.00K | -16.9% |
| Capital expenditure | -$266.00K | -$301.00K | -$82.00K | -$63.00K | -$181.00K | +11.6% |
| Investing cash flow | -$854.00K | -$12.22M | $4.94M | $7.64M | -$7.09M | +93.0% |
| Share buybacks | -$817.00K | -$893.00K | -$2.43M | -$511.00K | $0 | +8.5% |
| Financing cash flow | -$4.16M | $647.00K | -$5.43M | -$1.07M | $4.25M | -742.7% |
| Free cash flow | $596.00K | $736.00K | -$126.00K | $54.00K | $249.00K | -19.0% |
| End cash position | $19.16M | $23.31M | $33.85M | $34.38M | $27.69M | -17.8% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders8.76%
Held by institutions33.86%
Institutions holding30
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
17.46
+0.25% from price
SMA 20
17.95
-2.52% from price
SMA 50
18.06
-3.08% from price
SMA 100
17.10
+2.32% from price
SMA 200
16.03
+9.18% from price
EMA 12
17.61
-0.63% from price
EMA 26
17.84
-1.88% from price
EMA 50
17.77
-1.51% from price
RSI (14)
39.1
Neutral
MACD (12,26,9)
-0.22
Hist -0.07
ATR (14)
0.28
1.57% of price
Realised vol 30D
15.7%
Annualised
Bollinger upper
18.99
20, 2σ
Bollinger lower
16.91
20, 2σ
50 / 200 cross
Golden
18.06 vs 16.03
Trend bias
Above 200
+9.18%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.14
Less volatile than market
Correlation to SPY
0.14
Largely independent
Realised vol 30D
15.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-7.4%
Peak to trough
Max drawdown 5Y
-11.7%
Peak to trough
ATR 14
0.28
1.57% of price
Beta (reported)
0.24
5Y monthly, from filing
Short interest
Shares short
6.29K
Prior 10.64K
Change vs prior
-40.9%
Shorts covering
% of float
0.13%
Normal
% of shares out
0.12%
Against total outstanding
Days to cover
1.2
Liquid
Float
4.79M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Annual report of employee stock purchase
11-K · 2026-06-29
Corporate Changes & Voting Matters
8-K · 2026-06-09
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-12
Proxy Statements
DEF 14A · 2026-04-13
Periodic Financial Reports
10-K · 2026-03-24
Corporate Changes & Voting Matters
8-K · 2026-02-09
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.