FB Bancorp, Inc. (FBLA) stock analysis
Close on Nov 11, 2026Market cap $264.58MP/E –Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak2 of 30 checks passed
FB Bancorp passes 2 of the 30 checks behind our score; 23 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 0/6
- Past performance
- 0/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 23.2% of total assets; 8% or more is a comfortable cushion.
P/B below the industry
FB Bancorp's price-to-book of 0.93 is below the Savings Institutions median of 1.04.
What to watch
Return on assets under 1%
Return on assets was -0.0%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
FB Bancorp's return on equity of -0.1% is below the Savings Institutions median of 6.1%.
High cost base
Non-interest expense takes 86.6% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 1.7% over the past year.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B below the industry
FB Bancorp's price-to-book of 0.93 is below the Savings Institutions median of 1.04.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growth against the industry
Needs revenue for this year and last.
Guidance issued
The latest outlook (2026 annual salaries and employee benefits savings, Feb 18, 2026) was issued for the first time, so it neither adds nor takes away points.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was -0.0%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
FB Bancorp's return on equity of -0.1% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health1/6
Well capitalized
Equity is 23.2% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
High cost base
Non-interest expense takes 86.6% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 1.7% over the past year.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
FB Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for FB Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/B at month end
- Savings Institutions median 1.0
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $1.52M
- Value traded per 1% price move
- $1.65M
Downside
Low risk
- Typical loss in a bad month
- 3.9%
- Volatility (annualized)
- 15%
- Sharpe ratio, 1 year
- 2.17
- Beta to the S&P 500 (5Y)
- 0.43
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2022 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -21.6% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2022 | FY2022 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 0.4% | |
| Return on assets | – | – | 0.1% | |
| Capex to revenue | – | – | 12.8% | |
| Diluted shares | – | – | 18M |
Cash use needs five years of cash flow figures
FB Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 2.4% | 0.04× | 3.87× | 0.4% |
| FY2024 | -9.3% | 0.06× | 4.86× | -2.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$1.25M
- Cash generatingOperating cash flow above zero$2.76M
- Return on assets improvedROA up on the prior year-0.6% → 0.1%
- Earnings backed by cashOperating cash flow above net income$2.76M vs $1.25M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise4M → 18M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.06 → 0.04
See a number that looks wrong?