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FB Bancorp, Inc. Common Stock(FBLA)Earnings, Financials & Key Ratios
FBLA•NASDAQ•Banking & Credit
$14.03
$278M mkt cap·Price updated May 6, 2026
AboutFB Bancorp, Inc. operates as the bank holding company for Fidelity Bank, a Louisiana-chartered mutual savings bank. The bank primarily engages in accepting deposits from the general public and investing those deposits, along with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in its primary market areas. It also originates residential construction loans, commercial real estate loans, commercial loans, home equity loans and lines of credit, and consumer loans.Show more
- Net Interest Income$46M+5.2%
- Total Revenue$86M+8.8%
- Net Income-$6M-655.8%
- Return on Equity-2.57%-455.3%
- Net Interest Margin3.8%-3.1%
- Efficiency Ratio82.99%-1.8%
- ROA-0.53%-605.1%
- Equity / Assets26.72%+91.8%
- Book Value per Share19.19+111.2%
- Tangible BV/Share19.12+121.8%
- Debt/Equity0.23-79.5%
FBLA Key Insights
FB Bancorp, Inc. Common Stock (FBLA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 3.8%
- ✓Well capitalized: 26.7% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.7x book value
✗Weaknesses
- ✗High cost structure: 83.0% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FBLA Price & Volume
FB Bancorp, Inc. Common Stock (FBLA) stock price & volume — 10-year historical chart
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FBLA Growth Metrics
FB Bancorp, Inc. Common Stock (FBLA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-32.53%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-110.03%
Return on Capital
10 Years-0.05%
5 Years-0.05%
3 Years-0.05%
Last Year-1.64%
FBLA Recent Earnings
FB Bancorp, Inc. Common Stock (FBLA) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Mar 16, 2026EPS
$0.08
Revenue
$3M
Q1 2026
Feb 18, 2026EPS
$0.03
Revenue
$3M
Q4 2025
Nov 12, 2025EPS
$0.06
Revenue
$23M
Q3 2025
Aug 14, 2025EPS
$0.05
Revenue
$22M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 16, 2026 | $0.08 | $3M |
| Q1 2026 | Feb 18, 2026 | $0.03 | $3M |
| Q4 2025 | Nov 12, 2025 | $0.06 | $23M |
| Q3 2025 | Aug 14, 2025 | $0.05 | $22M |
Based on last 12 quarters of dataView full earnings history →
FBLA Peer Comparison
FB Bancorp, Inc. Common Stock (FBLA) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 BSVN | 412.67M | 43.61 | 9.69 | -3.87% | 18.21% | |||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 PBHC | 86.26M | 14.01 | -25.94 | -5.19% | -2.75% | 0.89 |
Compare FBLA vs Peers
FB Bancorp, Inc. Common Stock (FBLA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FBLA Income Statement
FB Bancorp, Inc. Common Stock (FBLA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Net Interest Income | 41.57M | 44.17M | 46.46M | 52.79M |
| NII Growth % | - | 6.26% | 5.18% | 77.06% |
| Net Interest Margin % | 4.13% | 3.93% | 3.8% | 4.18% |
| Interest Income | 43.81M | 54.3M | 65.89M | 70.56M |
| Interest Expense | 2.24M | 10.13M | 19.43M | 17.77M |
| Loan Loss Provision | -396K | 649K | 1.53M | 1.96M |
| Non-Interest Income | 27.45M | 24.68M | 20.02M | 16.77M |
| Non-Interest Income % | 38.52% | 31.25% | 23.3% | 19.21% |
| Total Revenue | 71.25M▲ 0% | 78.98M▲ 10.8% | 85.91M▲ 8.8% | 87.33M▲ 0% |
| Revenue Growth % | - | 10.84% | 8.77% | 19.53% |
| Non-Interest Expense | 67.3M | 66.75M | 71.29M | 69.56M |
| Efficiency Ratio | 94.45% | 84.52% | 82.99% | 79.65% |
| Operating Income | 2.1M▲ 0% | 1.45M▼ 31.2% | -6.35M▼ 538.6% | -1.95M▲ 0% |
| Operating Margin % | 2.95% | 1.83% | -7.39% | -2.24% |
| Operating Income Growth % | - | -31.21% | -538.61% | - |
| Pretax Income | 2.1M▲ 0% | 1.45M▼ 31.2% | -6.35M▼ 538.6% | -1.95M▲ 0% |
| Pretax Margin % | 2.95% | 1.83% | -7.39% | -2.24% |
| Income Tax | -5K | 330K | -137K | 745K |
| Effective Tax Rate % | -0.24% | 22.79% | 2.16% | -38.17% |
| Net Income | 2.11M▲ 0% | 1.12M▼ 47.0% | -6.21M▼ 655.8% | -2.7M▲ 0% |
| Net Margin % | 2.96% | 1.42% | -7.23% | -3.09% |
| Net Income Growth % | - | -47.01% | -655.81% | -32.53% |
| Net Income (Continuing) | 2.11M | 1.12M | -6.21M | -2.7M |
| EPS (Diluted) | 0.12▲ 0% | 0.06▼ 46.0% | -0.37▼ 671.0% | -0.15▲ 0% |
| EPS Growth % | - | -46% | -670.99% | -110.03% |
| EPS (Basic) | 0.12 | 0.06 | -0.37 | - |
| Diluted Shares Outstanding | 17.25M | 17.25M | 17M | 18.35M |
FBLA Balance Sheet
FB Bancorp, Inc. Common Stock (FBLA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Cash & Short Term Investments | 304.86M | 167.01M | 198.96M | 752.4M |
| Cash & Due from Banks | 60.74M | 87.11M | 98.84M | 0 |
| Short Term Investments | 244.12M | 79.9M | 100.12M | 0 |
| Total Investments | 810.44M | 762.14M | 877.24M | 0 |
| Investments Growth % | - | -5.96% | 15.1% | -48.63% |
| Long-Term Investments | 566.33M | 682.24M | 777.12M | 2.36B |
| Accounts Receivables | 4.66M | 5.51M | 5.73M | 0 |
| Goodwill & Intangibles | 14.69M | 8.02M | 1.08M | 0 |
| Goodwill | 5.79M | 5.79M | 0 | 0 |
| Intangible Assets | 8.9M | 2.23M | 1.08M | 0 |
| PP&E (Net) | 46.83M | 51.45M | 54.15M | 57.76M |
| Other Assets | 67.86M | 208.19M | 181.75M | -57.76M |
| Total Current Assets | 311.57M | 175.03M | 206.84M | 0 |
| Total Non-Current Assets | 695.7M | 949.9M | 1.01B | 0 |
| Total Assets | 1.01B▲ 0% | 1.12B▲ 11.7% | 1.22B▲ 8.5% | 1.26B▲ 0% |
| Asset Growth % | - | 11.68% | 8.53% | 15.23% |
| Return on Assets (ROA) | 0.21% | 0.1% | -0.53% | -0.21% |
| Accounts Payable | 20K | 524K | 380K | 0 |
| Total Debt | 30.1M | 172.2M | 73.5M | 63.44M |
| Net Debt | -30.64M | 85.09M | -25.34M | 63.44M |
| Long-Term Debt | 30.1M | 172.2M | 73.5M | 58.44M |
| Short-Term Debt | 0 | 0 | 0 | 5M |
| Other Liabilities | 33.6M | 26.18M | 20.06M | -58.44M |
| Total Current Liabilities | 791.55M | 769.81M | 801.12M | 0 |
| Total Non-Current Liabilities | 63.7M | 198.38M | 93.56M | 0 |
| Total Liabilities | 855.25M | 968.2M | 894.68M | 925.96M |
| Total Equity | 152.02M▲ 0% | 156.74M▲ 3.1% | 326.25M▲ 108.2% | 338.19M▲ 0% |
| Equity Growth % | - | 3.1% | 108.15% | 446.97% |
| Equity / Assets (Capital Ratio) | 15.09% | 13.93% | 26.72% | 26.75% |
| Return on Equity (ROE) | 1.39% | 0.72% | -2.57% | -0.8% |
| Book Value per Share | 8.81 | 9.09 | 19.19 | 18.43 |
| Tangible BV per Share | 7.96 | 8.62 | 19.12 | 18.43 |
| Common Stock | 0 | 0 | 198K | 198K |
| Additional Paid-in Capital | 0 | 0 | 193.57M | 193.58M |
| Retained Earnings | 171.01M | 172.13M | 165.91M | 168.58M |
| Accumulated OCI | -18.99M | -15.39M | -16.21M | -7.49M |
| Treasury Stock | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 |
FBLA Cash Flow Statement
FB Bancorp, Inc. Common Stock (FBLA) cash flow — operating, investing & free cash flow history
| Line item | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|
| Cash from Operations | 47.25M | -7M | -3.98M | -3.98M |
| Operating CF Growth % | - | -114.82% | 43.12% | -7661.6% |
| Net Income | 2.11M | 1.12M | -6.21M | -2.7M |
| Depreciation & Amortization | 5.23M | 4.17M | 3.04M | 2.7M |
| Deferred Taxes | 393K | -916K | -116K | 415K |
| Other Non-Cash Items | 46.14M | -11.17M | -399K | 1.16M |
| Working Capital Changes | -6.63M | -212K | -1.06M | -2.18M |
| Cash from Investing | -232.87M | -84.1M | -87.58M | -87.25M |
| Purchase of Investments | -252.83M | -17.3M | -35.42M | -92.69M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -251.83M | -16.3M | -34.42M | -88.69M |
| Acquisitions | 0 | 0 | 0 | 0 |
| Other Investing | -11.56M | -102.61M | -88.21M | -35.92M |
| Cash from Financing | -56.86M | 117.48M | 103.3M | -139.96M |
| Dividends Paid | 0 | 0 | 0 | -154K |
| Share Repurchases | 0 | 0 | -12.06M | 0 |
| Stock Issued | 0 | 0 | 187.85M | 0 |
| Net Stock Activity | 0 | 0 | 175.78M | 0 |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -2M |
| Other Financing | -39.26M | -24.62M | 26.22M | 10.75M |
| Net Change in Cash | -242.47M▲ 0% | 26.37M▲ 110.9% | 11.74M▼ 55.5% | -227.81M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 |
| Cash at Beginning | 303.21M | 60.74M | 87.11M | 86.09M |
| Cash at End | 60.74M | 87.11M | 98.84M | 65.73M |
| Interest Paid | 2.24M | 9.63M | 19.58M | 17.48M |
| Income Taxes Paid | 50K | 0 | 1.24M | 0 |
| Free Cash Flow | 44.82M▲ 0% | -14.04M▼ 131.3% | -9.21M▲ 34.4% | -2.34M▲ 0% |
| FCF Growth % | - | -131.31% | 34.42% | 79.67% |
FBLA Banking Ratios
FB Bancorp, Inc. Common Stock (FBLA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2023 | 2024 | TTM |
|---|---|---|---|
| Return on Equity (ROE) | 0.72% | -2.57% | -0.8% |
| Return on Assets (ROA) | 0.1% | -0.53% | -0.21% |
| Net Interest Margin | 3.93% | 3.8% | 4.18% |
| Efficiency Ratio | 84.52% | 82.99% | 79.65% |
| Equity / Assets | 13.93% | 26.72% | 26.75% |
| Book Value / Share | 9.09 | 19.19 | 18.43 |
| NII Growth | 6.26% | 5.18% | 19.26% |
| Dividend Payout | - | - | -5.71% |
FBLA SEC Filings & Documents
FB Bancorp, Inc. Common Stock (FBLA) SEC filings — annual & quarterly reports (10-K, 10-Q)
FBLA Frequently Asked Questions
FB Bancorp, Inc. Common Stock (FBLA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
FB Bancorp, Inc. Common Stock (FBLA) grew revenue by 8.8% over the past year. This is steady growth.
FB Bancorp, Inc. Common Stock (FBLA) reported a net loss of $2.7M for fiscal year 2024.
Dividend & Returns
FB Bancorp, Inc. Common Stock (FBLA) has a return on equity (ROE) of -2.6%. Negative ROE indicates the company is unprofitable.
Industry Metrics
FB Bancorp, Inc. Common Stock (FBLA) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
FB Bancorp, Inc. Common Stock (FBLA) has an efficiency ratio of 83.0%. This is higher than peers, suggesting room for cost optimization.
Explore More FBLA
FB Bancorp, Inc. Common Stock (FBLA) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates