FB Bancorp, Inc. /MD/ (FBLA) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	66.9M	69.6M	85.9M	79.0M	71.3M
Cost of Revenue	15.5M	19.5M	21.0M	10.8M	1.8M
Gross Profit	51.5M	50.0M	64.9M	68.2M	69.4M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	8.5M	7.0M	52.1M	52.2M	52.3M
General & Admin Expense	8.1M	6.1M	50.1M	50.5M	50.5M
Selling & Marketing Expense	442.0K	825.0K	2.0M	1.8M	1.8M
Other Expenses	13.7M	38.3M	19.2M	14.5M	15.0M
Total Operating Expenses	22.2M	45.2M	71.3M	66.7M	67.3M
Cost and Expenses	37.7M	64.8M	92.3M	77.5M	69.2M
Operating Income (EBIT)	29.3M	4.8M	(6.4M)	1.4M	2.1M
Non-Operating
Interest Income	46.2M	65.8M	65.9M	54.3M	43.8M
Interest Expense	14.0M	17.8M	19.4M	10.1M	2.2M
Net Interest Income	32.2M	48.0M	46.5M	44.2M	41.6M
Other Non-Op Income/Expense	(15.8M)	—	—	—	—
Non-Operating Income (excl Interest)	26.9M	—	—	—	—
EBT (Pre-Tax Income)	13.5M	4.8M	(6.4M)	1.4M	2.1M
Income Tax Expense	2.1M	870.0K	(137.0K)	330.0K	(5.0K)
Bottom Line
Net Income	7.6M	1.3M	(6.2M)	1.1M	2.1M
Earnings from Cont. Ops	11.4M	3.9M	(6.2M)	1.1M	2.1M
Earnings from Discont. Ops	(1.1M)	(2.7M)	—	—	—
Bottom Line Net Income	7.6M	1.3M	(6.2M)	1.1M	2.1M
Per Share
Basic EPS	$0.53	$0.07	($0.37)	$0.06	$0.12
Diluted EPS	$0.53	$0.07	($0.37)	$0.06	$0.12
Revenue Per Share	$4.57	$3.82	$5.05	$4.58	$4.13
Shares
Basic Shares Outstanding	14.6M	18.2M	17.0M	17.3M	17.3M
Diluted Shares Outstanding	14.6M	18.2M	17.0M	17.3M	17.3M
Profitability Metrics
EBITDA	4.8M	7.9M	(3.3M)	5.6M	7.3M
D&A	2.4M	3.1M	3.0M	4.2M	5.2M
EBIT	2.4M	4.8M	(6.4M)	1.4M	2.1M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026