FB Bancorp, Inc. (FBLA) AI Stock Analysis

FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank, offering a range of banking products and services primarily to individuals, businesses, and communities. Founded in 1908 and based in New Orleans, Louisiana, the institution provides deposit options including NOW accounts, savings, money market accounts, and certificates of deposit. Its lending activities include residential mortgages, residential construction, commercial real estate loans, commercial and industrial loans, small business financing, home equity lines of credit, and consumer loans. In addition, the bank invests in securities, primarily mortgage-backed securities and obligations issued by U.S. government-sponsored enterprises. The company employs 210 people.

Between FY2022 and FY2025, FB Bancorp experienced a 3-year revenue CAGR of -0.8%. Annual revenue grew from $71.3M in FY2022 to $79.0M in FY2023 and $85.9M in FY2024, before declining 19.0% to $69.6M in FY2025. Operating margin shifted from 3.0% in FY2022 and 1.8% in FY2023 to -7.4% in FY2024, rebounding to 6.9% in FY2025. Net income went from $2.1M in FY2022 to -$6.2M in FY2024 and recovered to $1.3M in FY2025, with EPS at $0.18. In the trailing twelve months ended June 30, 2026, revenue stood at $51.4M with an operating margin of 4.9% and a profit margin of -0.5%. For the latest quarter, quarterly revenue growth was 8.4% year-over-year, while quarterly earnings growth dropped 81.9%.

As of June 30, 2026, FB Bancorp held $344.0M in cash and short-term investments alongside total debt of $111.2M, yielding net cash of $232.8M. Total assets reached $1.23B against shareholders' equity of $283.8M, with a current ratio of 9.99 and a debt-to-equity ratio of 0.39. In FY2025, operating cash flow turned positive at $2.8M, while free cash flow was -$3.9M. The company deployed capital in FY2025 by funding $6.7M in capital expenditures, repurchasing $22.2M of shares, and distributing $199,000 in dividends.

FB Bancorp trades at a trailing price-to-earnings ratio of 96.7x, substantially above the median of its US-listed Financial Services peers of 12.1x. Its price-to-sales multiple is 4.6x compared to the peer group median of 3.2x, while enterprise value to revenue stands at 6.5x. However, the stock trades at a price-to-book ratio of 0.8x. At a last close of $16.44 on October 16, 2026, market capitalization is $238.7M and enterprise value is $315.8M. Over the past year, FBLA gained 39.8%, outperforming the S&P 500 (SPY) return of 16.8%.

FB Bancorp has not reported consensus analyst ratings, published price targets, or earnings estimate figures. The company's next earnings date is scheduled for November 11, 2026. Institutional investors hold 42.7% of the company's shares, while insider ownership accounts for 16.5% and short interest represents 3.1% of the float. Investors will look to the November 11, 2026 report for further clarity on earnings performance, credit trends, and trailing twelve-month profitability, following the latest quarterly earnings growth of -81.9%.

This page is an AI-written research summary of FB Bancorp, Inc. (FBLA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FBLA income statement, FBLA balance sheet, FBLA key metrics, FBLA chart. See the FBLA stock overview for the latest quote and news.