📊 FBLA Key Takeaways
Is FB Bancorp, Inc. /MD/ (FBLA) a Good Investment?
FB Bancorp exhibits concerning fundamental weakness with negative operating cash flows and deteriorating profitability metrics. The company's minimal net profit margin of 4.9%, extremely low ROE of 0.8%, and negative free cash flow of -$17.7M indicate severe operational and financial stress despite maintaining a solid balance sheet equity position.
FB Bancorp appears well-capitalized, with substantial equity relative to assets and no reported long-term debt, but its earnings power is currently weak. Low operating and net margins, very low ROE and ROA, flat net income, and negative operating/free cash flow point to poor profitability quality and limited fundamental momentum.
Why Buy FB Bancorp, Inc. /MD/ Stock? FBLA Key Strengths
- Substantial asset base of $1.3B provides operational scale
- Strong stockholders' equity of $338.2M with zero long-term debt
- Conservative capital structure with 0.00x debt-to-equity ratio
- Strong capital position with $338.19M of equity against $1.26B of assets
- No reported long-term debt and 0.00x debt-to-equity reduce balance sheet risk
- Meaningful cash balance of $65.73M supports liquidity flexibility
FBLA Stock Risks: FB Bancorp, Inc. /MD/ Investment Risks
- Severe cash flow deterioration: -$11.5M operating cash flow and -$17.7M free cash flow unsustainable long-term
- Critically low profitability: ROE of 0.8% and ROA of 0.2% indicate inefficient asset and capital utilization
- Minimal profit generation: $2.7M net income on $54M revenue suggests operational inefficiency and margin compression in financial services business
- Profitability is weak, with 6.1% operating margin, 4.9% net margin, 0.8% ROE, and 0.2% ROA
- Growth quality is limited because net income was flat year over year
- Negative operating cash flow and free cash flow suggest earnings are not converting cleanly into cash
Key Metrics to Watch
- Operating cash flow trend and path to positive cash generation
- Net interest margin compression or expansion in banking operations
- Asset quality metrics and non-performing loan ratios
- ROE and ROA improvement
- Operating cash flow and free cash flow trend
FB Bancorp, Inc. /MD/ (FBLA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBLA Profit Margin, ROE & Profitability Analysis
FBLA vs Finance Sector: How FB Bancorp, Inc. /MD/ Compares
How FB Bancorp, Inc. /MD/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FB Bancorp, Inc. /MD/ Stock Overvalued? FBLA Valuation Analysis 2026
Based on fundamental analysis, FB Bancorp, Inc. /MD/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FB Bancorp, Inc. /MD/ Balance Sheet: FBLA Debt, Cash & Liquidity
FBLA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: FB Bancorp, Inc. /MD/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-1.74 indicates the company is currently unprofitable.
FBLA Revenue Growth, EPS Growth & YoY Performance
FBLA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $16.8M | $705.0K | $0.00 |
| Q2 2025 | $33.8M | $42.0K | $0.00 |
| Q1 2025 | $15.6M | $705.0K | $0.00 |
| Q3 2024 | $50.6M | $229.0K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FB Bancorp, Inc. /MD/ Dividends, Buybacks & Capital Allocation
FBLA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for FB Bancorp, Inc. /MD/ (CIK: 0002013639)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FBLA
What is the AI rating for FBLA?
FB Bancorp, Inc. /MD/ (FBLA) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBLA's key strengths?
Claude: Substantial asset base of $1.3B provides operational scale. Strong stockholders' equity of $338.2M with zero long-term debt. ChatGPT: Strong capital position with $338.19M of equity against $1.26B of assets. No reported long-term debt and 0.00x debt-to-equity reduce balance sheet risk.
What are the risks of investing in FBLA?
Claude: Severe cash flow deterioration: -$11.5M operating cash flow and -$17.7M free cash flow unsustainable long-term. Critically low profitability: ROE of 0.8% and ROA of 0.2% indicate inefficient asset and capital utilization. ChatGPT: Profitability is weak, with 6.1% operating margin, 4.9% net margin, 0.8% ROE, and 0.2% ROA. Growth quality is limited because net income was flat year over year.
What is FBLA's revenue and growth?
FB Bancorp, Inc. /MD/ reported revenue of $54.0M.
Does FBLA pay dividends?
FB Bancorp, Inc. /MD/ does not currently pay dividends.
Where can I find FBLA SEC filings?
Official SEC filings for FB Bancorp, Inc. /MD/ (CIK: 0002013639) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FBLA's EPS?
FB Bancorp, Inc. /MD/ has a diluted EPS of $0.15.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FBLA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, FB Bancorp, Inc. /MD/ has a SELL rating with 74% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FBLA stock overvalued or undervalued?
Valuation metrics for FBLA: ROE of 0.8% (sector avg: 12%), net margin of 4.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FBLA stock in 2026?
Our dual AI analysis gives FB Bancorp, Inc. /MD/ a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FBLA's free cash flow?
FB Bancorp, Inc. /MD/'s operating cash flow is $-11.5M, with capital expenditures of $6.2M. FCF margin is -32.8%.
How does FBLA compare to other Finance stocks?
Vs Finance sector averages: Net margin 4.9% (avg: 25%), ROE 0.8% (avg: 12%), current ratio N/A (avg: 1.2).