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Company Analysis

FB Bancorp, Inc. FBLA

A comprehensive view of key metrics, scores, and financial health for FB Bancorp, Inc.

Overview of FB Bancorp, Inc.

FBLA NCM
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
FB Bancorp, Inc. (FBLA), is a Micro Cap company, in the Banks - Regional industry, last closed at $15.33, about 23.4% undervalued vs fair value, +30.1% 1Y return, ranked 791/1078 in sector.
Metrics P/E 186.6× Rev Growth 13.1% ROE 0.4% Gross Margin 96.0%
USD 15.33
0.20%
(Delayed)
• Vol 90d: 12.8%
52-Week Range
Market Cap
$222.08M
Enterprise Value
$271.45M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Excellent
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Excellent
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.bankwithfidelity.c...
HQ New Orleans, LA
Employees 323
Fiscal year Dec 31

Next Events

Earnings Aug 7 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $15.33 +23% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$65.8M
8.1%%
Interest Expense
$17.8M
Net Interest Income
$48.0M
15.8%%
Total Revenue
$52.1M
13.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
0.4%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$22.2M
1768.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating FB Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
41
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
34
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBLA's balance between Growth (32.8%), Profitability (17.9%), and Safety (49.3%). Growth 33% Safety 49% Profitability 18%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
52
Key Signals
NII Growth YoY 15.8% 68p EPS Growth YoY 1.04 88p Asset Growth YoY 2.8% 38p Equity Growth YoY -3.6% 8p
Strengths
  • EPS Growth YoY in top 20% of peers (1.04, 88th percentile)
  • Net Interest Margin in top 20% of peers (3.8%, 86th percentile)
  • Equity/Assets in top 20% of peers (25.1%, 92th percentile)
  • Financial Leverage in top 20% of peers (3.87, 93th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-3.6%)

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

77th percentile vs peers
78
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for FB Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.92
- - -
+23.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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