📊 FBLA Key Takeaways
Is FB Bancorp, Inc. /MD/ (FBLA) a Good Investment?
While FB Bancorp demonstrates strong 37.1% revenue growth and maintains a solid balance sheet with minimal debt, the company exhibits severe profitability deterioration with net income flat YoY despite significant top-line expansion, indicating margin compression from rising operating costs. With 0% ROE and 0% ROA, the business is destroying shareholder value despite generating positive cash flow, suggesting structural profitability challenges in its savings institution operations.
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.
FB Bancorp, Inc. /MD/ Key Strengths (FBLA)
- Strong revenue growth of 37.1% YoY demonstrates business expansion
- Solid balance sheet with $1.3B in assets and minimal leverage (0.00x debt/equity)
- Positive free cash flow of $12.6M with strong 76.7% FCF margin
- Conservative capital structure with no long-term debt
- 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
- Profitability crisis: net income flat YoY (0% growth) despite 37.1% revenue growth indicates severe cost structure issues
- Zero shareholder returns: 0% ROE and 0% ROA demonstrate the business generates no returns on capital employed
- Margin compression: net margin of 0.7% and operating margin of 3.7% are critically thin and compressing as costs outpace revenue
- Microscopic earnings: EPS of $0.01 and net income of only $119K relative to $1.3B asset base signals fundamental business model weakness
- 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
- Net income growth trajectory and margin expansion (must improve from 0% and 0.7% respectively)
- ROE and ROA recovery toward positive territory (currently at 0%)
- Cost-to-income ratio trend to identify whether operating leverage will finally materialize from revenue growth
- 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 76.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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 Grade of C from Claude (C) and ChatGPT (C) with 71% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBLA's key strengths?
Claude: Strong revenue growth of 37.1% YoY demonstrates business expansion. Solid balance sheet with $1.3B in assets and minimal leverage (0.00x debt/equity). 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: Profitability crisis: net income flat YoY (0% growth) despite 37.1% revenue growth indicates severe cost structure issues. Zero shareholder returns: 0% ROE and 0% ROA demonstrate the business generates no returns on capital employed. 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 $16.4M.
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 $0.01.
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 grade reflects both perspectives for balanced insights.
What is FBLA's fundamental grade?
Based on our AI fundamental analysis in June 2026, FB Bancorp, Inc. /MD/ has a C grade with 71% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is FBLA stock overvalued or undervalued?
Valuation metrics for FBLA: ROE of 0.0% (sector avg: 12%), net margin of 0.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is FBLA's AI grade for 2026?
Our dual AI analysis gives FB Bancorp, Inc. /MD/ a combined C grade 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 $12.7M, with capital expenditures of $82.0K. FCF margin is 76.7%.
How does FBLA compare to other Finance stocks?
Vs Finance sector averages: Net margin 0.7% (avg: 25%), ROE 0.0% (avg: 12%), current ratio N/A (avg: 1.2).