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FBLA

FB Bancorp, Inc. Common Stock

FBLA

FB Bancorp, Inc. Common Stock • NASDAQ
$12.65 ▼ -0.78% (-0.10)
Market Cap $232.30 M
52w High $12.79
52w Low $9.81
Dividend Yield 0%
P/E -8.21
Volume 51.76K
Outstanding Shares 18.36M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $23.126M ▲ $16.709M ▲ $1.08M ▲ 4.67% ▲ $0.059 ▲ $2.109M ▲
Q2-2025 $22.219M ▲ $16.319M ▲ $879K ▲ 3.956% ▲ $0.048 ▲ $1.849M ▲
Q1-2025 $20.89M ▼ $15.51M ▼ $705K ▲ 3.375% ▲ $0.038 ▲ $1.605M ▲
Q4-2024 $21.098M ▼ $21.019M ▲ $-5.361M ▼ -25.41% ▼ $-0.38 ▼ $-4.525M ▼
Q3-2024 $21.569M $16.925M $-895K -4.149% $-0.045 $-432K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $1.264B ▲ $925.955M ▲ $338.186M ▲
Q2-2025 $344.86M ▲ $1.247B ▲ $914.552M ▲ $332.086M ▲
Q1-2025 $208.573M ▲ $1.238B ▲ $906.365M ▲ $331.409M ▲
Q4-2024 $198.964M ▼ $1.221B ▼ $894.678M ▼ $326.255M ▲
Q3-2024 $382.575M $1.408B $1.246B $161.467M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.08M ▲ $-16.833M ▼ $-17.392M ▲ $13.869M ▲ $-20.356M ▼ $-12.061M ▼
Q2-2025 $879K ▲ $-1.665M ▼ $-17.863M ▼ $7.04M ▼ $-12.488M ▼ $-3.384M ▼
Q1-2025 $705K ▲ $7.036M ▼ $-17.136M ▲ $9.83M ▲ $-270K ▲ $3.983M ▼
Q4-2024 $-5.361M ▼ $10.865M ▲ $-34.863M ▼ $-170.701M ▼ $-194.699M ▼ $9.119M ▲
Q3-2024 $-895K $215K $5.251M $228.663M $234.129M $-1.192M

Five-Year Company Overview

Income Statement

Income Statement FBLA’s revenue has been inching higher over the past few years, but profit quality has weakened. After roughly break-even performance before, the company slipped into a small loss in the most recent year, with negative per‑share results. This suggests that higher costs, pressure on lending margins, or one‑time items are outweighing modest growth in business activity. Profitability is not yet on a stable, upward path and appears to be in an investment or transition phase rather than a mature, steady earnings profile.

Balance Sheet

Balance Sheet The balance sheet shows a growing institution: total assets have been rising steadily, and cash levels have improved compared with a few years ago. Debt jumped at one point and then was pulled back, indicating management has been actively adjusting its funding mix rather than letting leverage drift higher. Equity has increased meaningfully, likely reflecting capital raised and retained capital from the recent structural changes, leaving the bank better capitalized. Overall, FBLA looks stronger and larger than a few years ago, but still in a build‑out phase.

Cash Flow

Cash Flow Cash generation has been uneven. A few years ago, the bank produced solid operating cash flow, then swung to modestly negative, and now sits roughly around break‑even. Free cash flow followed a similar pattern: positive earlier, then modestly negative as spending rose. The consistent outlays for investment hint that the bank is deliberately spending on growth and infrastructure, especially digital initiatives, even if that temporarily weighs on cash and earnings. This pattern is typical of a bank leaning into expansion rather than maximizing short‑term cash.

Competitive Edge

Competitive Edge FBLA operates as a community‑focused regional bank with deep local roots in New Orleans and Southeast Louisiana. Its edge comes less from scale and more from relationships, local knowledge, and tailored service. Programs for nonprofits, local mortgage lending through its NOLA Lending Group, and hands‑on support for small businesses help it stand out against larger, more impersonal banks. This creates loyalty and stickiness, but it also means the franchise is concentrated in a specific region and customer base, leaving it more exposed to local economic conditions and competition from both big banks and digital‑only players.

Innovation and R&D

Innovation and R&D For a community bank, FBLA is unusually active on the innovation front. The launch of ANDI, its digital‑only banking division, is a major strategic step aimed at reaching younger and underserved customers beyond its physical footprint. Partnerships with fintech providers for digital marketing, data workflows, ATM outsourcing, and interactive teller machines show a willingness to plug into modern technology rather than build everything in‑house. The P.O.W.E.R. program for women entrepreneurs, youth savings and financial literacy efforts, and targeted small‑business services are more like product and program innovation than traditional R&D, but they create a differentiated offering that is hard for generic competitors to copy quickly.

Summary

FBLA looks like a small, community‑anchored bank that is actively trying to reinvent itself for the digital era. Financially, it has grown its asset base and strengthened its capital position, but earnings have softened and cash flows have been choppy as it invests in new platforms and programs. Strategically, its strengths lie in local relationships, niche programs, and a clear identity in its home market, combined with an ambitious digital push through ANDI and multiple tech partnerships. The key uncertainties center on how well it can translate these initiatives into stable, growing profits while managing credit quality, interest‑rate pressures, and competition from larger and purely digital banks over the next several years.