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FB BANCORP INC (FBLA) Stock Fundamental Analysis

NASDAQ:FBLA - US31425A1097 - Common Stock

11.87 USD
-0.13 (-1.08%)
Last: 9/5/2025, 11:04:39 AM
Fundamental Rating

1

Taking everything into account, FBLA scores 1 out of 10 in our fundamental rating. FBLA was compared to 395 industry peers in the Banks industry. FBLA may be in some trouble as it scores bad on both profitability and health. FBLA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year FBLA has reported negative net income.
FBLA had a positive operating cash flow in the past year.
FBLA Yearly Net Income VS EBIT VS OCF VS FCFFBLA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 20M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.37%, FBLA is doing worse than 93.42% of the companies in the same industry.
With a Return On Equity value of -1.41%, FBLA is not doing good in the industry: 91.90% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.37%
ROE -1.41%
ROIC N/A
ROA(3y)-0.07%
ROA(5y)N/A
ROE(3y)0.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FBLA Yearly ROA, ROE, ROICFBLA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 1 -1

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FBLA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FBLA Yearly Profit, Operating, Gross MarginsFBLA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 2 -2 -4 -6 -8

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3

2. Health

2.1 Basic Checks

FBLA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FBLA has about the same amount of shares outstanding.
The debt/assets ratio for FBLA has been reduced compared to a year ago.
FBLA Yearly Shares OutstandingFBLA Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 5M 10M 15M
FBLA Yearly Total Debt VS Total AssetsFBLA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of FBLA is 0.75, which is an excellent value as it means it would take FBLA, only 0.75 years of fcf income to pay off all of its debts.
FBLA's Debt to FCF ratio of 0.75 is fine compared to the rest of the industry. FBLA outperforms 78.48% of its industry peers.
FBLA has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
FBLA has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. FBLA outperforms 85.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.75
Altman-Z N/A
ROIC/WACCN/A
WACC10.02%
FBLA Yearly LT Debt VS Equity VS FCFFBLA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBLA Yearly Current Assets VS Current LiabilitesFBLA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 20M 40M 60M 80M 100M

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3. Growth

3.1 Past

FBLA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -655.32%.
Looking at the last year, FBLA shows a decrease in Revenue. The Revenue has decreased by -3.80% in the last year.
EPS 1Y (TTM)-655.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%20%
Revenue 1Y (TTM)-3.8%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.48%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FBLA Yearly Revenue VS EstimatesFBLA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 20M 40M 60M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FBLA. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FBLA Price Earnings VS Forward Price EarningsFBLA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FBLA is valued a bit more expensive than 76.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.82
EV/EBITDA N/A
FBLA Per share dataFBLA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FBLA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FB BANCORP INC

NASDAQ:FBLA (9/5/2025, 11:04:39 AM)

11.87

-0.13 (-1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-14 2025-08-14
Earnings (Next)12-22 2025-12-22
Inst Owners23.01%
Inst Owner Change39.85%
Ins Owners1.8%
Ins Owner Change0.1%
Market Cap235.50M
AnalystsN/A
Price TargetN/A
Short Float %3.71%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.46
P/FCF 27.82
P/OCF 14.37
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-0.23
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.43
FCFY3.59%
OCF(TTM)0.83
OCFY6.96%
SpS3.43
BVpS16.74
TBVpS16.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.37%
ROE -1.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 12.45%
ROA(3y)-0.07%
ROA(5y)N/A
ROE(3y)0.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.75
Debt/EBITDA N/A
Cap/Depr 270.54%
Cap/Sales 11.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.02%
ROIC/WACCN/A
Cap/Depr(3y)128.99%
Cap/Depr(5y)N/A
Cap/Sales(3y)7.27%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-655.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%20%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.8%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.48%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y34.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y43.12%
OCF growth 3YN/A
OCF growth 5YN/A