FB Bancorp (FBLA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FBLA SEC filings page.
FB Bancorp, Inc. (FBLA) reported $49.0M in revenue over the twelve months to Jun 30, 2026, down 22.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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).
FB Bancorp’s asset base expanded while revenue shrank, and modest profits still required investment that kept free cash flow negative.
The earnings recovery reached cash generation: net income returned to$1.3M in FY2025 from a loss in FY2024, while operating cash flow improved238.8% . Yet free cash flow was-$3.9M against$6.7M of capital expenditures, showing reinvestment absorbed the operating cash uplift.
Assets grew
Revenue declined
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of FB Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
FB Bancorp, Inc. earned a return on assets of 0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.5% the prior year. Earnings ranks banks on that return over three years, and FB Bancorp, Inc. scores 8/100 among other banks.
FB Bancorp, Inc. reported revenue of $52.1M in fiscal year 2025, against $66.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and FB Bancorp, Inc. scores 4/100 among other banks.
FB Bancorp, Inc. funded 25.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $314.4M of equity against $1.3B of assets. Capital ranks banks on that cushion, and FB Bancorp, Inc. scores 94/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. FB Bancorp, Inc. scores 12/100 on it among other banks.
Not available for FB Bancorp, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
FB Bancorp, Inc. reported net income of $1.3M in fiscal year 2025, against a loss of $6.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and FB Bancorp, Inc. scores 5/100 among other banks.
FB Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
FB Bancorp, Inc. generated $14.1M in revenue in Q2 2026. This represents an increase of 8.3% from the same quarter a year earlier. Against the prior quarter it is up 9.1%.
FB Bancorp, Inc. reported a net loss of $70K in Q2 2026. This represents a decrease of 108.0% from the same quarter a year earlier. Against the prior quarter it is down 158.8%.
FB Bancorp, Inc. earned $0.00 per diluted share (EPS) in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
FB Bancorp, Inc. generated $14.8M in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is up 17.9%.
FB Bancorp, Inc. held $45.2M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
FB Bancorp, Inc.'s net profit margin was -0.5% in Q2 2026, showing the share of revenue converted to profit. This is down 7.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.4 percentage points.
FB Bancorp, Inc.'s quarterly ROE was 0.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
FB Bancorp, Inc. spent $13.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 7.4%.
FB Bancorp, Inc. invested $119K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 93.0% from the same quarter a year earlier. Against the prior quarter it is up 45.1%.
Not reported for Q2 2026.
FBLA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.1M+8.3% | $13.0M-24.7% | $3.1M-80.2% | $18.7M+11.6% | $13.1M-28.3% | $17.2M+10.3% | $15.9M | $16.8M-18.5% |
| SG&A Expenses | $1.7M+9.8% | $1.4M+4.8% | $862Kn/m | $2.4M+5.8% | $1.5M-28.2% | $1.3M-37.4% | -$1.3M | $2.3M+0.5% |
| Interest Expense | $4.8M+10.3% | $4.6M+10.8% | $4.7M+0.8% | $4.7M-14.9% | $4.3M-12.1% | $4.1M-5.7% | $4.6M | $5.5M+62.3% |
| Income Tax | -$129K-150.0% | $119K-65.9% | $7K-98.4% | $256Kn/m | $258K+6.2% | $349Kn/m | $429K | -$247K-145.3% |
| Net Income | -$70K-108.0% | $119K-83.1% | -$1.4Mn/m | $1.1Mn/m | $879K+3.5% | $705Kn/m | -$6.0Mn/m | -$895K-137.2% |
| EPS (Basic) | $0.00-100.0% | $0.01-75.0% | -$0.08 | $0.06n/m | $0.05n/m | $0.04n/m | -$1.74 | $0.00 |
| EPS (Diluted) | $0.00-100.0% | $0.01-75.0% | -$0.08 | $0.06n/m | $0.05n/m | $0.04n/m | -$1.74 | $0.00 |
| Diluted Shares (Avg) | 15M-18.6% | 16M-11.1% | N/A | 18Mn/m | 18Mn/m | 18Mn/m | N/A | 0 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FBLA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-1.7% | $1.3B+2.2% | $1.3B+2.8% | $1.3B-10.2% | $1.2B+6.4% | $1.2B+10.5% | $1.2B+8.5% | $1.4B+28.7% |
| Cash & Equivalents | $45.2M-47.5% | $46.2M-53.1% | $60.3M-39.0% | $65.7M-77.6% | $86.1M+44.9% | $98.6M+105.8% | $98.8M+13.5% | $293.5M+313.1% |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | $5.8M |
| Total Liabilities | $941.8M+3.0% | $967.3M+6.7% | $941.0M+5.2% | $926.0M-25.7% | $914.6M-10.0% | $906.4M-6.3% | $894.7M-7.6% | $1.2B+32.0% |
| Total Equity | $283.8M-14.5% | $297.7M-10.2% | $314.4M-3.6% | $338.2M+109.4% | $332.1M+113.3% | $331.4M+116.1% | $326.3M+108.2% | $161.5M+7.6% |
| Retained Earnings | $167.2M-0.2% | $167.3M+0.4% | $167.2M+0.8% | $168.6M-1.6% | $167.5M-2.7% | $166.6M | $165.9M-3.6% | $171.3M |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
FBLA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.9Mn/m | $12.7M+79.9% | $14.2M-9.2% | -$17.0M-7988.8% | -$1.5Mn/m | $7.0Mn/m | $15.7M+94.6% | $215K-97.6% |
| Depreciation & Amortization | $695K+15.1% | $685K+19.5% | $754K+19.1% | $784K+27.1% | $604K-6.2% | $573K-10.2% | $633K-5.8% | $617K+3.7% |
| Stock-Based Compensation | N/A | $301K | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | $119K-93.0% | $82K-97.3% | $416K-78.0% | $1.5M+6.4% | $1.7M+88.6% | $3.1M+160.5% | $1.9M+51.6% | $1.4M+19.5% |
| Free Cash Flow | $14.8Mn/m | $12.6M+215.8% | $13.8M+0.2% | -$18.5Mn/m | -$3.2Mn/m | $4.0Mn/m | $13.8M+102.5% | -$1.2M-115.6% |
| Investing Cash Flow | $22.1Mn/m | -$40.0Mn/m | -$12.4Mn/m | -$17.4M-431.7% | -$17.8Mn/m | -$17.1Mn/m | -$39.6Mn/m | $5.3Mn/m |
| Financing Cash Flow | -$38.0M-652.6% | $13.3M+34.9% | -$7.3Mn/m | $14.0M-93.9% | $6.9M-85.7% | $9.8Mn/m | -$170.8M-966.0% | $228.7M+708.4% |
| Share Buybacks | $13.3M | $14.3M | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
FBLA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -0.5%-7.2pp | 0.9%-3.2pp | -44.9%-6.8pp | 5.8%+11.1pp | 6.7%+2.1pp | 4.1%+4.9pp | -38.1% | -5.3%-17.0pp |
| Return on Equity | 0.0%-0.3pp | 0.0%-0.2pp | -0.4%+1.4pp | 0.3%+0.9pp | 0.3%-0.3pp | 0.2%+0.3pp | -1.9%-1.1pp | -0.5%-2.2pp |
| Return on Assets | 0.0%-0.1pp | 0.0%0.0pp | -0.1%+0.4pp | 0.1%+0.1pp | 0.1%0.0pp | 0.1%+0.1pp | -0.5%-0.4pp | -0.1%-0.3pp |
| Liabilities-to-Equity | 3.32+0.6x | 3.25+0.5x | 2.99+0.3x | 2.74-5.0x | 2.75-3.8x | 2.73-3.6x | 2.74-3.4x | 7.72+1.4x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.000.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.01 | 0.010.0x |
| FCF Margin | 104.9% | 97.1%+73.9pp | 439.1% | -98.5%-91.4pp | -24.7%+6.1pp | 23.2%+97.0pp | 86.7% | -7.1%-44.1pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| FB Bancorp, Inc. FBLA | FY2025 | $52.1M | $1.3M | 2.4% | $243.4M | 25/100 |
| Citizens Community Bancorp, Inc. CZWI | FY2025 | $62.3M | $14.4M | 23.1% | $226.1M | 43/100 |
| Community Bancorp. CMTV | FY2025 | $48.8M | $17.0M | 34.8% | $240.7M | 62/100 |
| LCNB Corporation LCNB | FY2025 | $92.0M | $23.1M | 25.1% | $285.1M | 53/100 |
| Western New England Bancorp, Inc. WNEB | FY2025 | $82.6M | $15.3M | 18.5% | $278.8M | 36/100 |
| National Bankshares Inc/VA NKSH | FY2025 | $55.6M | $15.8M | 28.5% | $261.0M | 49/100 |
Where FB Bancorp, Inc. Ranks
Frequently Asked Questions
FB Bancorp, Inc. (FBLA) reported $52.1M in total revenue for fiscal year 2025. This represents a -21.6% 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.
FB Bancorp, Inc. (FBLA) revenue declined by 21.6% year-over-year, from $66.5M to $52.1M in fiscal year 2025.
No, FB Bancorp, Inc. (FBLA) reported a net loss of $282K over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $1.3M, with a net profit margin of 2.4%.
FB Bancorp, Inc. (FBLA) had a net profit margin of 2.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
FB Bancorp, Inc. (FBLA) has a return on equity of 0.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
FB Bancorp, Inc. (FBLA) recorded an outflow of $3.9M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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.
FB Bancorp, Inc. (FBLA) generated $2.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
FB Bancorp, Inc. (FBLA) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.
FB Bancorp, Inc. (FBLA) invested $6.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
FB Bancorp, Inc. (FBLA) had a liabilities-to-equity ratio of 2.99 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
FB Bancorp, Inc. (FBLA) had a return on assets of 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
FB Bancorp, Inc. (FBLA) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $243.4M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
FB Bancorp, Inc. (FBLA) trades at 5.0x sales, its market capitalization divided by $49.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $243.4M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
FB Bancorp, Inc. (FBLA) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
FB Bancorp, Inc. (FBLA) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For FB Bancorp, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.