FB Bancorp, Inc. Common Stock
- Open
- 15.07
- Day high
- 15.23
- Day low
- 15.06
- Prev close
- 15.06
- Volume
- 18K
- Mkt cap
- $246M
- P/E (TTM)
- 434.6
- EPS (TTM)
- $0.03
- P/B
- 0.8
- P/S
- 3.7
- Yield
- —
- Per share
- —
- ▼Insiders net selling -$15K over the last 3 months (1 open-market buy, 1 sale)
- 🏛Institutions accumulating (13F)
FB Bancorp, Inc. Common Stock (FBLA) is a Financial Services company listed on NASDAQ. The stock is up 33% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 1 sale (SEC Form 4).
FB Bancorp, Inc. Common Stock (FBLA) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
FBLA earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| May 14, 2026 | — | $0.03 | — | $17M | — |
| Mar 26, 2026 | — | $0.07 | — | $3M | — |
| Nov 12, 2025 | — | $0.06 | — | $23M | — |
| Aug 14, 2025 | — | $0.05 | — | $22M | — |
| Mar 27, 2025 | — | $-0.38 | — | $21M | — |
| Nov 14, 2024 | — | $-0.05 | — | $22M | — |
| Sep 26, 2024 | — | $0.05 | — | $23M | — |
| Mar 31, 2024 | — | $-0.05 | — | $20M | — |
| Dec 31, 2023 | — | $-0.07 | — | $19M | — |
| Sep 30, 2023 | — | $0.14 | — | $24M | — |
| Jun 30, 2023 | — | $-0.02 | — | $19M | — |
| Mar 31, 2023 | — | $0.01 | — | $17M | — |
FBLA insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 25, 2026 | Folds Josh Cofficer: Chief Banking Officer | Sell | 1,110 | $14.55 |
| May 12, 2026 | WANNER TODD Mofficer: Chief Financial Officer | Buy | 86 | $14.01 |
| May 1, 2026 | Crosby Katherine Adirector, officer: Chairman of the Board | Grant | 17,794 | — |
| Mar 27, 2026 | WANNER TODD Mofficer: Chief Financial Officer | Grant | 55,000 | — |
| Mar 27, 2026 | Griggs Patrick Lofficer: Chief Risk/Credit Officer | Grant | 100,000 | $13.52 |
| Mar 27, 2026 | Griggs Patrick Lofficer: Chief Risk/Credit Officer | Grant | 40,000 | — |
| Mar 27, 2026 | Folds Josh Cofficer: Chief Banking Officer | Grant | 75,000 | $13.52 |
| Mar 27, 2026 | Baker Randall Lofficer: Chief Operating Officer | Grant | 40,000 | — |
| Mar 27, 2026 | Ferris Christopher Sdirector, officer: President and CEO | Grant | 300,000 | $13.52 |
| Mar 27, 2026 | Folds Josh Cofficer: Chief Banking Officer | Grant | 300,000 | — |
| Mar 27, 2026 | WANNER TODD Mofficer: Chief Financial Officer | Grant | 137,500 | $13.52 |
| Mar 27, 2026 | Baker Randall Lofficer: Chief Operating Officer | Grant | 100,000 | $13.52 |
| Mar 27, 2026 | Crosby Katherine Adirector, officer: Executive Chairman | Grant | 60,000 | — |
| Mar 27, 2026 | Crosby Katherine Adirector, officer: Executive Chairman | Grant | 150,000 | $13.52 |
| Mar 27, 2026 | Ferris Christopher Sdirector, officer: President and CEO | Grant | 120,000 | — |
Source: FBLA SEC Form 4 filings, latest Jun 25, 2026. For informational purposes only — not investment advice.
See the full FBLA insider & 13F page →FB Bancorp, Inc. Common Stock company profile
Overview
FB Bancorp, Inc. (NASDAQ:FBLA) is a Louisiana-based bank holding company that went public in February 2024. The company operates through its wholly-owned subsidiary, Fidelity Bank, which was originally established as a mutual savings bank before converting to stock ownership structure. FB Bancorp represents a traditional community banking franchise focused on residential mortgage lending and deposit gathering in Louisiana markets.
Business
FB Bancorp operates in the community banking sector, providing traditional banking services through its subsidiary Fidelity Bank. Community banks are financial institutions that primarily serve local markets, focusing on relationship-based banking rather than competing on scale like large national banks. The company's core business revolves around deposit gathering and mortgage lending. On the deposit side, Fidelity Bank accepts various types of deposits from individuals and businesses, including checking accounts, savings accounts, certificates of deposit, and money market accounts. These deposits provide the primary funding source for the bank's lending operations. On the lending side, the bank's primary focus is one- to four-family residential mortgage loans secured by properties in its Louisiana market areas. Residential mortgages are long-term loans (typically 15-30 years) that homebuyers use to purchase houses, with the property itself serving as collateral. Beyond residential mortgages, the bank also originates several other loan types: residential construction loans (short-term financing for building homes), commercial real estate loans (financing for business properties), general commercial loans (business operating loans), home equity loans and lines of credit (loans secured by homeowner equity), and various consumer loans. The bank operates as a single business segment focused on traditional community banking, with nearly all revenue derived from net interest income (the difference between what the bank earns on loans versus what it pays on deposits) and fee income from banking services.
Revenue model
FB Bancorp generates revenue primarily through net interest income, which is the fundamental business model for traditional banks. The company borrows money at low rates (primarily through customer deposits) and lends it out at higher rates (through mortgages and other loans), earning the spread between these rates. For example, if the bank pays 2% on deposits and charges 6% on mortgages, it earns a 4% net interest margin. The bank's customers are primarily individual consumers and small businesses in Louisiana. Depositors include local residents and businesses seeking safe places to store money, while borrowers are typically homebuyers, homeowners seeking equity loans, small business owners, and property developers. Secondary revenue comes from fee income, including loan origination fees, account maintenance fees, and other banking service charges. However, this represents a much smaller portion of total revenue compared to interest income. Several factors significantly impact the bank's profitability margins. Interest rate environments are crucial - when rates rise rapidly, the bank may face pressure as deposit costs increase faster than loan yields can be repriced. Credit quality directly affects margins through loan loss provisions - economic downturns in Louisiana's local markets could increase defaults. Competition from larger banks and credit unions can pressure both deposit rates (increasing funding costs) and loan rates (reducing yields). Regulatory compliance costs represent a fixed expense burden that affects smaller banks disproportionately compared to larger institutions that can spread these costs across bigger asset bases.
Competitive moat
FB Bancorp operates in the highly competitive community banking sector with limited sustainable competitive advantages. The company's primary moat is its local market relationships and knowledge in Louisiana markets, which can provide advantages in credit underwriting and customer retention compared to large national banks that may have less local expertise. However, this moat is relatively weak. Banking is fundamentally a commoditized business where products (loans, deposits) are largely standardized across competitors. The bank faces significant competitive pressure from multiple directions: larger regional and national banks with superior technology platforms and broader product offerings, credit unions that operate with tax advantages and can offer better rates, online banks that can offer higher deposit rates due to lower overhead costs, and non-bank mortgage originators that can compete aggressively on loan pricing. The company's small size (approximately $1.2 billion in assets) limits its ability to achieve meaningful economies of scale in technology, compliance, and operations. Regulatory burden affects smaller banks disproportionately, as compliance costs represent a higher percentage of revenue compared to larger institutions. Additionally, the bank's concentration in Louisiana markets creates geographic risk - local economic downturns, natural disasters, or industry-specific challenges (such as oil price volatility affecting Louisiana's economy) could significantly impact performance. The most significant competitive threat comes from larger banks with superior digital capabilities and broader geographic diversification, as well as fintech companies that can offer specialized banking services with lower cost structures.
Risks & safety
FB Bancorp presents moderate to high financial risk based on recent performance and balance sheet metrics. • Profitability concerns: The company reported net losses in Q3 and Q4 2024 (-$895K and -$5.4M respectively) and negative full-year 2024 net income of -$6.2M, indicating operational challenges • Cash position: Reasonable liquidity with $7.4M in cash and short-term investments as of Q1 2025, though this declined from $98.8M in Q4 2024 • Debt levels: Debt-to-equity ratio of 0.23 as of Q1 2025 indicates manageable leverage, though this has fluctuated significantly • Asset quality: Total assets of $1.24B with loans representing the majority; credit quality metrics not fully disclosed but operational losses suggest potential asset quality issues • Valuation metrics: Trading at 0.62x book value and 73x trailing earnings (Q1 2025), though earnings volatility makes P/E less meaningful • Capital adequacy: As a newly public bank, regulatory capital ratios are presumably adequate but specific metrics not provided • Other considerations: Recent IPO in February 2024 suggests access to capital markets, but operational losses and earnings volatility indicate execution risks in the competitive banking environment
Recent development
Based on available financial data, FB Bancorp has undergone significant recent developments, most notably its conversion from mutual to stock ownership and subsequent public offering in February 2024. This transformation represents a major strategic pivot that provided the bank with access to public capital markets and a currency for potential acquisitions. The company's financial performance has been volatile since going public. After generating positive net income in 2022 ($2.1M) and 2023 ($1.1M), the bank experienced significant losses in 2024, including a full-year net loss of $6.2M. This deterioration appears to reflect challenges in managing interest rate risk and operating leverage during a period of rising rates and competitive pressure. Balance sheet management has shown considerable fluctuation, with cash and short-term investments varying dramatically from $59.4M in Q2 2024 to $293.5M in Q3 2024, then declining to $98.8M by Q4 2024 and further to $7.4M in Q1 2025. This volatility suggests active balance sheet repositioning, possibly related to managing interest rate exposure or optimizing liquidity. The bank's asset base has grown substantially, from approximately $1.0B in 2022 to $1.24B in Q1 2025, indicating expansion efforts. However, this growth has not translated into consistent profitability, suggesting challenges in maintaining net interest margins and controlling operating expenses during the expansion phase.
FBLA company profile · for informational purposes only — not investment advice.
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