FB Bancorp Inc Financials
This page shows FB Bancorp Inc (FBLA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
FB Bancorp Inc passes 1 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, FB Bancorp Inc generates $0.64 in operating cash flow (-$4.0M OCF vs -$6.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
FB Bancorp Inc generated $66.5M in revenue in fiscal year 2024. This represents a decrease of 3.8% from the prior year.
FB Bancorp Inc generated -$9.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 34.4% from the prior year.
FB Bancorp Inc reported -$6.2M in net income in fiscal year 2024. This represents a decrease of 655.8% from the prior year.
FB Bancorp Inc held $98.8M in cash against $0 in long-term debt as of fiscal year 2024.
FB Bancorp Inc had 20M shares outstanding in fiscal year 2024.
FB Bancorp Inc's net profit margin was -9.3% in fiscal year 2024, showing the share of revenue converted to profit. This is down 11.0 percentage points from the prior year.
FB Bancorp Inc invested $5.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 25.8% from the prior year.
FBLA Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $18.7M+6.8% | $17.5M+2.0% | $17.2M-5.4% | $18.2M+8.3% | $16.8M+5.7% | $15.9M+1.9% | $15.6M | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $2.4M+4.0% | $2.3M+7.4% | $2.2M+8.2% | $2.0M-12.4% | $2.3M+7.1% | $2.1M-0.6% | $2.1M | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $4.7M+7.3% | $4.3M+5.6% | $4.1M-11.2% | $4.6M-15.5% | $5.5M+10.9% | $4.9M+13.4% | $4.4M | N/A |
| Income Tax | $256K+16.9% | $219K+26.6% | $173K+78.4% | $97K+139.3% | -$247K-201.6% | $243K+205.7% | -$230K | N/A |
| Net Income | $1.1M+22.9% | $879K+24.7% | $705K+113.2% | -$5.4M-499.0% | -$895K-205.4% | $849K+205.2% | -$807K | N/A |
| EPS (Diluted) | $0.06+20.0% | $0.05+25.0% | $0.04 | N/A | $0.00 | $0.00 | $0.00 | N/A |
FBLA Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+1.4% | $1.2B+0.7% | $1.2B+1.4% | $1.2B-13.3% | $1.4B+20.2% | $1.2B+4.6% | $1.1B-0.4% | $1.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $65.7M-23.6% | $86.1M-12.7% | $98.6M-0.3% | $98.8M-66.3% | $293.5M+394.1% | $59.4M+24.1% | $47.9M-45.0% | $87.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | $0-100.0% | $5.8M0.0% | $5.8M | N/A | $5.8M |
| Total Liabilities | $926.0M+1.2% | $914.6M+0.9% | $906.4M+1.3% | $894.7M-28.2% | $1.2B+22.7% | $1.0B+5.0% | $967.0M-0.1% | $968.2M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $338.2M+1.8% | $332.1M+0.2% | $331.4M+1.6% | $326.3M+102.1% | $161.5M+3.7% | $155.7M+1.5% | $153.4M-2.2% | $156.7M |
| Retained Earnings | $168.6M+0.6% | $167.5M+0.5% | $166.6M+0.4% | $165.9M-3.1% | $171.3M-0.5% | $172.2M | N/A | $172.1M |
FBLA Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$16.8M-911.0% | -$1.7M-123.7% | $7.0M-35.2% | $10.9M+4953.5% | $215K+104.6% | -$4.7M+54.4% | -$10.3M-228.6% | $8.0M |
| Capital Expenditures | $1.5M-14.5% | $1.7M-43.7% | $3.1M+74.9% | $1.7M+24.1% | $1.4M+56.9% | $897K-23.5% | $1.2M-6.0% | $1.2M |
| Free Cash Flow | -$18.3M-440.9% | -$3.4M-185.0% | $4.0M-56.3% | $9.1M+865.0% | -$1.2M+78.8% | -$5.6M+51.3% | -$11.5M-269.4% | $6.8M |
| Investing Cash Flow | -$17.4M+2.6% | -$17.9M-4.2% | -$17.1M+50.8% | -$34.9M-763.9% | $5.3M+116.4% | -$32.0M-22.9% | -$26.0M-121.9% | -$11.7M |
| Financing Cash Flow | $13.9M+97.0% | $7.0M-28.4% | $9.8M+105.8% | -$170.7M-174.7% | $228.7M+374.4% | $48.2M+1783.1% | -$2.9M-114.5% | $19.7M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FBLA Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 5.8%+0.8pp | 5.0%+0.9pp | 4.1%+33.6pp | -29.5%-24.1pp | -5.3%-10.7pp | 5.3%+10.5pp | -5.2% | N/A |
| Return on Equity | 0.3%+0.1pp | 0.3%+0.1pp | 0.2% | N/A | N/A | 0.5% | N/A | N/A |
| Return on Assets | 0.1%+0.0pp | 0.1%+0.0pp | 0.1%+0.5pp | -0.4%-0.4pp | -0.1%-0.1pp | 0.1%+0.1pp | -0.1% | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 2.74-0.0 | 2.75+0.0 | 2.730.0 | 2.74-5.0 | 7.72+1.2 | 6.52+0.2 | 6.31+0.1 | 6.18 |
| FCF Margin | -97.7%-78.4pp | -19.3%-42.4pp | 23.2%-27.0pp | 50.1%+57.2pp | -7.1%+28.2pp | -35.3%+38.5pp | -73.9% | N/A |
Frequently Asked Questions
What is FB Bancorp Inc's annual revenue?
FB Bancorp Inc (FBLA) reported $66.5M in total revenue for fiscal year 2024. This represents a -3.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is FB Bancorp Inc's revenue growing?
FB Bancorp Inc (FBLA) revenue declined by 3.8% year-over-year, from $69.1M to $66.5M in fiscal year 2024.
Is FB Bancorp Inc profitable?
No, FB Bancorp Inc (FBLA) reported a net income of -$6.2M in fiscal year 2024, with a net profit margin of -9.3%.
What is FB Bancorp Inc's earnings per share (EPS)?
FB Bancorp Inc (FBLA) reported diluted earnings per share of $-1.74 for fiscal year 2024. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is FB Bancorp Inc's net profit margin?
FB Bancorp Inc (FBLA) had a net profit margin of -9.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is FB Bancorp Inc's free cash flow?
FB Bancorp Inc (FBLA) generated -$9.2M in free cash flow during fiscal year 2024. This represents a 34.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is FB Bancorp Inc's operating cash flow?
FB Bancorp Inc (FBLA) generated -$4.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are FB Bancorp Inc's total assets?
FB Bancorp Inc (FBLA) had $1.2B in total assets as of fiscal year 2024, including both current and long-term assets.
What are FB Bancorp Inc's capital expenditures?
FB Bancorp Inc (FBLA) invested $5.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does FB Bancorp Inc have outstanding?
FB Bancorp Inc (FBLA) had 20M shares outstanding as of fiscal year 2024.
What is FB Bancorp Inc's debt-to-equity ratio?
FB Bancorp Inc (FBLA) had a debt-to-equity ratio of 2.74 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is FB Bancorp Inc's return on assets (ROA)?
FB Bancorp Inc (FBLA) had a return on assets of -0.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is FB Bancorp Inc's cash runway?
Based on fiscal year 2024 data, FB Bancorp Inc (FBLA) had $98.8M in cash against an annual operating cash burn of $4.0M. This gives an estimated cash runway of approximately 298 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is FB Bancorp Inc's Piotroski F-Score?
FB Bancorp Inc (FBLA) has a Piotroski F-Score of 1 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are FB Bancorp Inc's earnings high quality?
FB Bancorp Inc (FBLA) has an earnings quality ratio of 0.64x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.