FB Bancorp (FBLA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

FB Bancorp

NasdaqCM•Financial Services•Banks - Regional

$16.11+0.01(<0.01%)After hours

Market Cap

$240.19M

P/S

5.5x

P/B

0.8x

FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank that provides various banking products and services primarily for individuals, businesses, and communities. The company offers various deposit products, including NOW accounts, savings accounts, money market accounts, and certificate of deposit accounts. It also provides residential mortgage loans; residential construction loans; commercial real estate loans, which includes commercial mortgage, commercial construction, and land development loans; commercial loans, such as commercial and industrial, small business, and other commercial loans not secured by real estate; home equity loans and lines of credit; and consumer loans. In addition, the company invests in securities, which consists primarily of mortgage-backed securities and obligations issued by U.S. government sponsored enterprises. FB Bancorp, Inc. was founded in 1908 and is headquartered in New Orleans, Louisiana.

How this company scores

WeakMetricSide Score: 51.5/100

Grade capped at D — Interest coverage below 1× (0.1x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (19/25); weakest: Growth (8.5/25).

Profitability14/25

Growth8.5/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality19/25

Strengths

Long cash runwayLow leverageCash-backed earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.1x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 335.6x5y range 183.3x – 335.6x

P/S · 5.5x5y range 2.0x – 5.5x

Currently near its 5-quarter median.

P/B · 0.8x5y range 0.1x – 0.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $240.19M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $43.92M
Q. Revenue: $14.14M
TTM EBITDA: $8.16M
TTM Op. Income: $4.02M
Q. Op. Income: $568,000
TTM Net Income: $-282,000
Q. Net Income: $-70,000
EPS: $0.05
Shares Out.: $14.85M

$43.92M in TTM revenue declined 56.9% YoY, reaching $14.14M last quarter. TTM EBITDA of $8.16M and TTM operating income of $4.02M show growth is flowing through to the bottom line. However, net income is negative at $282,000 — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 8.9%
Op. Margin: 4.0%
Net Margin: -0.5%

Op. margin of 4.0% is down 2.0% YoY — costs are rising relative to revenue. Net margin at -0.5% Over the past year, operating margin is down 34% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 5.5x
P/B Ratio: 0.8x

P/S of 5.5x and P/B of 0.8x. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.23B
Cash: $45.21M
Long-Term Debt: $111.19M
Book Value: $283.82M
D/E Ratio: 0.4
Debt/EBITDA: 88.0

With $1.23B in assets and $111.19M in long-term debt, D/E is 0.4and book value is $283.82M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-234,000
TTM Free Cash Flow: $1.55M
FCF Margin: 3.5%
FCF / Net Income: -5.5

TTM FCF of $1.55M on $-234,000 in operating cash flow. The FCF / Net Income ratio of -5.5x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 118% — an improving trend.