Go Pro
→ This Quiet Metals Story Is Starting To Stack Up (From i2i Marketing Group, LLC) (Ad)tc pixel Free FBLA Stock Alerts

FB Bancorp (FBLA) Financials

FB Bancorp logo
$15.55 +0.02 (+0.15%)
As of 11:48 AM Eastern
This is a fair market value price provided by Massive. Learn more.
Compare
Annual Income Statements for FB Bancorp

Annual Income Statements for FB Bancorp

This table shows FB Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 1.12 -6.21 1.25
Consolidated Net Income / (Loss)		 1.12 -6.21 1.25
Net Income / (Loss) Continuing Operations		 1.12 1.51 3.95
Total Pre-Tax Income 		1.45 1.70 4.82
Total Operating Income		 -4.22 0.86 -2.90
Total Gross Profit		 22 20 17
Total Revenue		 63 46 45
Operating Revenue		 59 44 43
Other Revenue		 3.86 1.74 1.44
Total Cost of Revenue		 41 25 27
Operating Cost of Revenue		 41 24 25
Other Cost of Revenue		 0.65 1.53 1.72
Total Operating Expenses		 26 19 20
Selling, General & Admin Expense		 8.95 5.23 6.14
Marketing Expense		 1.76 1.63 0.83
Amortization Expense		 1.76 0.50 0.38
Other Operating Expenses / (Income)		 14 12 13
Impairment Charge		 0.00 0.28 0.09
Total Other Income / (Expense), net		 5.66 0.85 7.72
Interest Expense		 3.37 8.24 2.66
Interest & Investment Income		 9.28 9.09 10
Income Tax Expense		 0.33 0.20 0.87
Net Income / (Loss) Discontinued Operations		 - -7.72 -2.69
Basic Earnings per Share		 $0.00 ($1.74) $0.07
Weighted Average Basic Shares Outstanding		 0.00 3.56M 18.20M
Diluted Earnings per Share		 $0.00 ($1.74) $0.07
Weighted Average Diluted Shares Outstanding		 0.00 3.56M 18.20M
Weighted Average Basic & Diluted Shares Outstanding		 - 19.84M 17.16M

Quarterly Income Statements for FB Bancorp

This table shows FB Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.41 -0.81 0.85 -0.90 0.71 0.88 1.08 0.12
Consolidated Net Income / (Loss)		 2.41 -0.81 0.85 -0.90 0.71 0.88 1.08 0.12
Net Income / (Loss) Continuing Operations		 2.41 -0.81 0.85 -0.90 1.37 0.88 1.08 0.49
Total Pre-Tax Income 		2.95 -1.04 1.09 -1.14 1.72 1.10 1.34 0.61
Total Operating Income		 1.39 -1.56 0.87 -0.24 0.15 -0.44 -0.45 -1.92
Total Gross Profit		 8.08 4.84 7.35 5.82 4.79 6.03 6.11 3.22
Total Revenue		 19 15 18 17 11 16 17 10
Operating Revenue		 18 15 17 17 11 16 16 10
Other Revenue		 1.07 0.58 0.54 0.31 0.35 0.34 0.45 0.33
Total Cost of Revenue		 11 10 11 11 6.54 10 11 7.25
Operating Cost of Revenue		 11 10 10 11 6.16 9.94 10 6.76
Other Cost of Revenue		 0.73 0.25 0.28 0.30 0.39 0.45 0.41 0.49
Total Operating Expenses		 6.68 6.40 6.48 6.06 4.64 6.47 6.56 5.14
Selling, General & Admin Expense		 2.27 2.14 2.13 2.28 1.34 2.32 2.41 1.40
Marketing Expense		 0.43 0.54 0.69 0.40 0.17 0.35 0.29 0.25
Amortization Expense		 0.52 0.16 0.15 0.09 0.09 0.10 0.10 0.11
Other Operating Expenses / (Income)		 3.47 3.56 3.52 3.40 3.04 3.62 3.73 3.34
Impairment Charge		 - 0.00 0.00 -0.12 0.00 0.09 0.02 0.05
Total Other Income / (Expense), net		 1.56 0.52 0.22 -0.90 1.57 1.53 1.78 2.53
Interest Expense		 1.10 1.87 2.16 2.46 0.72 0.62 0.69 0.77
Interest & Investment Income		 2.29 2.30 2.35 2.27 2.30 2.39 2.75 3.30
Other Income / (Expense), net		 0.36 0.09 0.04 -0.71 0.00 -0.24 -0.28 0.00
Income Tax Expense		 0.55 -0.23 0.24 -0.25 0.35 0.22 0.26 0.12
Net Income / (Loss) Discontinued Operations		 - - - - -0.67 - - -0.38
Basic Earnings per Share		 - $0.00 $0.00 $0.00 $0.04 $0.05 $0.06 $0.01
Weighted Average Basic Shares Outstanding		 - 0.00 0.00 0.00 18.31M 18.33M 18.35M 16.28M
Diluted Earnings per Share		 - $0.00 $0.00 $0.00 $0.04 $0.05 $0.06 $0.01
Weighted Average Diluted Shares Outstanding		 - 0.00 0.00 0.00 18.31M 18.33M 18.35M 16.29M
Weighted Average Basic & Diluted Shares Outstanding		 - - 0.00 19.84M 19.84M 19.84M 19.84M 161.49K

Annual Cash Flow Statements for FB Bancorp

This table details how cash moves in and out of FB Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 26 12 -39
Net Cash From Operating Activities		 -7.00 0.81 2.76
Net Cash From Continuing Operating Activities		 -7.00 4.99 7.89
Net Income / (Loss) Continuing Operations		 1.12 -6.21 3.95
Consolidated Net Income / (Loss)		 1.12 -6.21 1.25
Net Income / (Loss) Discontinued Operations		 - - -2.69
Depreciation Expense		 2.41 2.53 2.72
Amortization Expense		 1.06 -0.33 -1.69
Non-Cash Adjustments To Reconcile Net Income		 -10 1.70 1.83
Changes in Operating Assets and Liabilities, net		 -1.26 7.29 3.79
Net Cash From Discontinued Operating Activities		 - - -5.13
Net Cash From Investing Activities		 -84 -92 -65
Net Cash From Continuing Investing Activities		 -84 -92 -65
Purchase of Property, Plant & Equipment		 -7.03 -5.37 -6.66
Purchase of Investments		 -17 -35 -112
Sale of Property, Plant & Equipment		 - 2.23 1.06
Sale and/or Maturity of Investments		 43 41 43
Other Investing Activities, net		 -103 -95 10
Net Cash From Financing Activities		 117 103 23
Net Cash From Continuing Financing Activities		 117 115 23
Repayment of Debt		 - -243 -69
Repurchase of Common Equity		 - 0.00 -22
Issuance of Debt		 - 145 74
Issuance of Common Equity		 0.00 188 0.00
Other Financing Activities, net		 117 26 41
Cash Interest Paid		 9.63 20 18
Cash Income Taxes Paid		 0.00 1.24 0.00

Quarterly Cash Flow Statements for FB Bancorp

This table details how cash moves in and out of FB Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q1 2025 Q1 2026
Period end date 3/31/2024 3/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -39 0.40 -14
Net Cash From Operating Activities		 -10 7.04 13
Net Cash From Continuing Operating Activities		 -10 3.62 1.35
Net Income / (Loss) Continuing Operations		 -0.81 1.37 0.49
Consolidated Net Income / (Loss)		 -0.81 0.71 0.12
Net Income / (Loss) Discontinued Operations		 - -0.67 -0.38
Depreciation Expense		 0.64 0.57 0.69
Amortization Expense		 -0.02 -0.22 -0.87
Non-Cash Adjustments To Reconcile Net Income		 -10 0.37 0.83
Changes in Operating Assets and Liabilities, net		 0.29 2.20 0.58
Net Cash From Discontinued Operating Activities		 - 3.42 11
Net Cash From Investing Activities		 -26 -17 -40
Net Cash From Continuing Investing Activities		 -26 -17 -40
Purchase of Property, Plant & Equipment		 -1.17 -3.05 -0.08
Purchase of Investments		 -5.44 -12 -35
Sale of Property, Plant & Equipment		 - 0.00 0.47
Sale and/or Maturity of Investments		 4.69 11 11
Other Investing Activities, net		 -24 -13 -17
Net Cash From Financing Activities		 -2.86 9.83 13
Net Cash From Continuing Financing Activities		 -2.86 9.83 13
Repayment of Debt		 -2.70 -12 -10
Repurchase of Common Equity		 - 0.00 -14
Issuance of Debt		 - 0.00 28
Other Financing Activities, net		 -0.16 22 10
Cash Interest Paid		 3.28 4.14 4.51
Cash Income Taxes Paid		 0.00 0.00 0.00

Annual Balance Sheets for FB Bancorp

This table presents FB Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,125 1,221 1,255
Total Current Assets		 333 368 412
Cash & Equivalents		 87 99 60
Short-Term Investments		 250 244 326
Note & Lease Receivable		 -6.20 -6.24 -6.29
Prepaid Expenses		 2.52 2.03 1.91
Other Current Nonoperating Assets		 - 29 30
Plant, Property, & Equipment, net		 51 53 57
Total Noncurrent Assets		 740 800 786
Long-Term Investments		 666 757 744
Goodwill		 5.79 - 0.00
Other Noncurrent Operating Assets		 46 43 42
Total Liabilities & Shareholders' Equity		 1,125 1,221 1,255
Total Liabilities		 968 895 941
Total Current Liabilities		 0.00 4.89 3.54
Other Current Nonoperating Liabilities		 - 4.89 3.54
Total Noncurrent Liabilities		 968 890 937
Long-Term Debt		 941 874 920
Noncurrent Deferred Revenue		 12 6.15 6.30
Other Noncurrent Operating Liabilities		 15 9.39 11
Total Equity & Noncontrolling Interests		 157 326 314
Total Preferred & Common Equity		 157 326 314
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 157 326 314
Common Stock		 0.00 194 172
Retained Earnings		 172 166 167
Accumulated Other Comprehensive Income / (Loss)		 -15 -16 -7.90
Other Equity Adjustments		 0.00 -17 -16

Quarterly Balance Sheets for FB Bancorp

This table presents FB Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,172 1,408 1,238 1,247 1,264 1,265
Total Current Assets		 306 535 346 343 361 406
Cash & Equivalents		 59 294 99 86 66 46
Short-Term Investments		 249 244 251 260 298 347
Note & Lease Receivable		 -5.77 -5.82 -6.20 -6.16 -6.25 -6.38
Prepaid Expenses		 2.94 3.68 2.71 2.50 2.90 2.45
Other Current Nonoperating Assets		 - - - - - 17
Plant, Property, & Equipment, net		 52 53 57 57 58 56
Total Noncurrent Assets		 814 819 835 847 846 803
Long-Term Investments		 723 730 771 777 760 760
Goodwill		 5.79 5.79 0.00 0.00 0.00 0.00
Other Noncurrent Operating Assets		 50 47 44 46 44 43
Total Liabilities & Shareholders' Equity		 1,172 1,408 1,238 1,247 1,264 1,265
Total Liabilities		 1,016 1,246 906 915 926 967
Total Current Liabilities		 0.00 0.00 0.00 0.00 0.00 2.15
Other Current Nonoperating Liabilities		 - - - - - 2.15
Total Noncurrent Liabilities		 1,016 1,246 906 915 926 965
Long-Term Debt		 989 1,220 885 891 903 948
Noncurrent Deferred Revenue		 9.48 7.23 5.66 6.34 8.18 5.45
Other Noncurrent Operating Liabilities		 17 19 16 17 14 12
Total Equity & Noncontrolling Interests		 156 161 331 332 338 298
Total Preferred & Common Equity		 156 161 331 332 338 298
Preferred Stock		 - - 0.00 0.00 0.00 0.00
Total Common Equity		 156 161 331 332 338 298
Common Stock		 - - 194 194 194 158
Retained Earnings		 172 171 167 167 169 167
Accumulated Other Comprehensive Income / (Loss)		 -16 -9.81 -12 -12 -7.49 -11
Other Equity Adjustments		 - - -17 -17 -17 -16

Annual Metrics And Ratios for FB Bancorp

This table displays calculated financial ratios and metrics derived from FB Bancorp's official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - 19,837,500.00
DEI Adjusted Shares Outstanding		 - - 19,837,500.00
DEI Earnings Per Adjusted Shares Outstanding		 - - 0.06
Growth Metrics		 - - -
Revenue Growth		 0.00% 4.30% -2.24%
EBITDA Growth		 0.00% -405.47% -161.32%
EBIT Growth		 0.00% -61.34% -438.90%
NOPAT Growth		 0.00% -55.00% -413.55%
Net Income Growth		 0.00% -655.81% 120.16%
EPS Growth		 0.00% 0.00% 104.02%
Operating Cash Flow Growth		 0.00% 43.12% 238.82%
Free Cash Flow Firm Growth		 0.00% 0.00% -114.53%
Invested Capital Growth		 0.00% 5.34% 0.61%
Revenue Q/Q Growth		 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00%
Profitability Metrics		 - - -
Gross Margin		 34.51% 35.55% 39.06%
EBITDA Margin		 -1.56% -7.58% -4.22%
Operating Margin		 -6.67% -10.93% -6.52%
EBIT Margin		 -7.06% -10.92% -6.52%
Profit (Net Income) Margin		 1.77% -9.43% 2.82%
Tax Burden Percent		 77.21% 97.84% 26.02%
Interest Burden Percent		 -32.45% 88.22% -165.98%
Effective Tax Rate		 22.79% 0.00% 18.07%
Return on Invested Capital (ROIC)		 -3.41% -5.14% -3.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 -10.55% -4.33% -4.58%
Return on Net Nonoperating Assets (RNNOA)		 4.12% 2.57% 3.48%
Return on Equity (ROE)		 0.71% -2.57% 0.39%
Cash Return on Invested Capital (CROIC)		 0.00% -10.34% -3.69%
Operating Return on Assets (OROA)		 -0.40% -0.61% -0.23%
Return on Assets (ROA)		 0.10% -0.53% 0.10%
Return on Common Equity (ROCE)		 0.71% -2.57% 0.39%
Return on Equity Simple (ROE_SIMPLE)		 0.71% -1.90% 0.00%
Net Operating Profit after Tax (NOPAT)		 -3.25 -5.04 -2.38
NOPAT Margin		 -5.15% -7.65% -5.34%
Net Nonoperating Expense Percent (NNEP)		 7.14% -0.82% 1.49%
Return On Investment Capital (ROIC_SIMPLE)		 -0.30% -0.42% -0.19%
Cost of Revenue to Revenue		 65.49% 64.45% 60.94%
SG&A Expenses to Revenue		 14.16% 12.95% 13.79%
R&D to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 41.18% 46.49% 45.58%
Earnings before Interest and Taxes (EBIT)		 -4.46 -7.20 -2.90
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -0.99 -4.99 -1.88
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.10 0.53 0.55
Price to Tangible Book Value (P/TBV)		 1.14 0.53 0.55
Price to Revenue (P/Rev)		 2.73 2.62 3.88
Price to Earnings (P/E)		 154.29 0.00 137.67
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 0.65% 0.00% 0.73%
Enterprise Value to Invested Capital (EV/IC)		 1.17 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.76 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 6.01 2.68 2.92
Long-Term Debt to Equity		 6.01 2.68 2.92
Financial Leverage		 -0.39 -0.59 -0.76
Leverage Ratio		 7.18 4.86 3.87
Compound Leverage Factor		 -2.33 4.28 -6.42
Debt to Total Capital		 85.73% 72.82% 74.52%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 85.73% 72.82% 74.52%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 14.27% 27.18% 25.48%
Debt to EBITDA		 -952.92 -175.06 -489.96
Net Debt to EBITDA		 61.95 45.18 112.37
Long-Term Debt to EBITDA		 -952.92 -175.06 -489.96
Debt to NOPAT		 -289.30 -173.32 -386.93
Net Debt to NOPAT		 18.81 44.73 88.74
Long-Term Debt to NOPAT		 -289.30 -173.32 -386.93
Altman Z-Score		 0.72 0.67 0.71
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Current Ratio		 0.00 0.00 116.32
Quick Ratio		 0.00 0.00 107.35
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -10 -2.84
Operating Cash Flow to CapEx		 -99.57% -76.27% 49.23%
Free Cash Flow to Firm to Interest Expense		 0.00 -1.23 -1.07
Operating Cash Flow to Interest Expense		 -2.08 -0.48 1.04
Operating Cash Flow Less CapEx to Interest Expense		 -4.17 -1.12 -1.07
Efficiency Ratios		 - - -
Asset Turnover		 0.06 0.06 0.04
Accounts Receivable Turnover		 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00
Fixed Asset Turnover		 1.23 1.25 0.81
Accounts Payable Turnover		 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 96 101 77
Invested Capital Turnover		 0.66 0.67 0.58
Increase / (Decrease) in Invested Capital		 0.00 5.10 0.47
Enterprise Value (EV)		 111 -53 -38
Market Capitalization		 173 173 173
Book Value per Share		 $9.09 $16.45 $15.85
Tangible Book Value per Share		 $8.75 $16.45 $15.85
Total Capital		 1,098 1,200 1,234
Total Debt		 941 874 920
Total Long-Term Debt		 941 874 920
Net Debt		 -61 -226 -211
Capital Expenditures (CapEx)		 7.03 5.22 5.60
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -3.69 -4.09 22
Debt-free Net Working Capital (DFNWC)		 333 339 409
Net Working Capital (NWC)		 333 339 409
Net Nonoperating Expense (NNE)		 -4.37 1.17 -3.63
Net Nonoperating Obligations (NNO)		 -61 -226 -237
Total Depreciation and Amortization (D&A)		 3.47 2.21 1.02
Debt-free, Cash-free Net Working Capital to Revenue		 -5.83% -6.21% 49.33%
Debt-free Net Working Capital to Revenue		 527.54% 514.22% 917.95%
Net Working Capital to Revenue		 527.54% 514.22% 917.95%
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 ($1.74) $0.07
Adjusted Weighted Average Basic Shares Outstanding		 0.00 3.56M 18.20M
Adjusted Diluted Earnings per Share		 $0.00 ($1.74) $0.07
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 3.56M 18.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 19.84M 17.16M
Normalized Net Operating Profit after Tax (NOPAT)		 -3.25 -0.80 -2.31
Normalized NOPAT Margin		 -5.15% -1.21% -5.18%
Pre Tax Income Margin		 2.29% -9.64% 10.82%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -1.32 -0.87 -1.09
NOPAT to Interest Expense		 -0.97 -0.61 -0.89
EBIT Less CapEx to Interest Expense		 -3.41 -1.51 -3.20
NOPAT Less CapEx to Interest Expense		 -3.05 -1.25 -3.00
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 1,768.16%

Quarterly Metrics And Ratios for FB Bancorp

This table displays calculated financial ratios and metrics derived from FB Bancorp's official financial filings.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
DEI Shares Outstanding		 - - - - 19,837,500.00 - - 17,159,436.00
DEI Adjusted Shares Outstanding		 - - - - 19,837,500.00 - - 17,159,436.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - 0.04 - - 0.01
Growth Metrics		 - - - - - - - -
Revenue Growth		 0.00% 0.00% 21.58% -13.11% -25.29% -8.83% -1.01% -7.62%
EBITDA Growth		 0.00% 0.00% 163.68% -137.75% 158.89% -154.56% 26.81% -520.00%
EBIT Growth		 0.00% 0.00% 141.51% -154.15% 110.04% -174.64% 23.95% -1,406.12%
NOPAT Growth		 0.00% 0.00% 138.35% -114.78% 110.75% -151.66% -115.09% -1,420.70%
Net Income Growth		 0.00% 0.00% 351.18% -137.15% 187.36% 3.53% 220.67% -83.12%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -75.00%
Operating Cash Flow Growth		 0.00% 0.00% 0.00% 0.00% 168.00% 0.00% 0.00% 79.92%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 111.15% 96.33% 117.05%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% -11.39% 3.36% -18.64%
Revenue Q/Q Growth		 31.01% 0.00% 18.78% -6.36% 0.00% 5.08% 1.67% 0.00%
EBITDA Q/Q Growth		 237.59% 0.00% 223.91% -181.56% 0.00% -105.73% -9.41% 0.00%
EBIT Q/Q Growth		 180.46% 0.00% 161.95% -204.96% 0.00% 2.59% -6.94% 0.00%
NOPAT Q/Q Growth		 164.52% 0.00% 161.99% -124.87% 0.00% -64.03% -3.53% 0.00%
Net Income Q/Q Growth		 812.72% 0.00% 205.20% -205.42% 0.00% 24.68% 22.87% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 25.00% 20.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -1.00% 0.00% 113.03% -133.23% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.25% 0.00% 4.41% 16.93% 0.00%
Profitability Metrics		 - - - - - - - -
Gross Margin		 41.61% 31.90% 40.81% 34.52% 42.25% 36.73% 36.58% 30.74%
EBITDA Margin		 11.71% -5.60% 5.84% -5.09% 4.41% -3.49% -3.76% -20.06%
Operating Margin		 7.18% -10.27% 4.82% -1.42% 1.30% -2.65% -2.68% -18.34%
EBIT Margin		 9.06% -9.65% 5.04% -5.64% 1.30% -4.12% -4.34% -18.34%
Profit (Net Income) Margin		 12.41% -5.32% 4.71% -5.31% 6.22% 5.35% 6.47% 1.14%
Tax Burden Percent		 81.55% 77.82% 77.75% 78.37% 41.01% 80.05% 80.84% 19.41%
Interest Burden Percent		 168.03% 70.83% 120.40% 119.96% 1,169.39% -162.19% -184.53% -31.93%
Effective Tax Rate		 18.45% 0.00% 22.25% 0.00% 20.30% 19.95% 19.16% 19.41%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 1.14 -1.09 0.68 -0.17 0.12 -0.35 -0.36 -1.55
NOPAT Margin		 5.86% -7.19% 3.75% -1.00% 1.03% -2.13% -2.16% -14.78%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.82% -3.04% 0.50% 0.90% 1.07% 0.73%
Return On Investment Capital (ROIC_SIMPLE)		 - - 0.06% -0.01% 0.01% -0.03% -0.03% -0.12%
Cost of Revenue to Revenue		 58.39% 68.10% 59.19% 65.48% 57.75% 63.27% 63.42% 69.26%
SG&A Expenses to Revenue		 11.68% 14.10% 11.80% 13.50% 11.82% 14.11% 14.44% 13.40%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 34.43% 42.17% 35.99% 35.94% 40.95% 39.39% 39.26% 49.09%
Earnings before Interest and Taxes (EBIT)		 1.76 -1.46 0.91 -0.95 0.15 -0.68 -0.72 -1.92
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.27 -0.85 1.05 -0.86 0.50 -0.57 -0.63 -2.10
Valuation Ratios		 - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.11 1.07 0.52 0.52 0.51 0.58
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.15 1.11 0.52 0.52 0.51 0.58
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 1.15 1.10 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - -
Debt to Equity		 0.00 0.00 6.35 7.56 2.67 2.68 2.67 3.18
Long-Term Debt to Equity		 0.00 0.00 6.35 7.56 2.67 2.68 2.67 3.18
Financial Leverage		 0.00 0.00 -0.27 -0.30 -0.71 -0.56 -0.54 -0.72
Leverage Ratio		 0.00 0.00 7.52 8.72 3.73 4.96 5.35 3.98
Compound Leverage Factor		 0.00 0.00 9.06 10.46 43.68 -8.04 -9.87 -1.27
Debt to Total Capital		 0.00% 0.00% 86.40% 88.31% 72.75% 72.86% 72.76% 76.10%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 86.40% 88.31% 72.75% 72.86% 72.76% 76.10%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 0.00% 13.60% 11.69% 27.25% 27.14% 27.24% 23.90%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Altman Z-Score		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - -
Current Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 188.77
Quick Ratio		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 179.81
Cash Flow Metrics		 - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 -113 -114 -96 13 -4.17 16
Operating Cash Flow to CapEx		 0.00% -882.85% 0.00% 0.00% 230.46% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -52.09 -46.35 -132.71 20.39 -6.07 21.33
Operating Cash Flow to Interest Expense		 0.00 -5.53 0.00 0.00 9.72 0.00 0.00 16.48
Operating Cash Flow Less CapEx to Interest Expense		 0.00 -6.15 0.00 0.00 5.50 0.00 0.00 16.99
Efficiency Ratios		 - - - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Receivable Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - -
Invested Capital		 0.00 0.00 113 114 96 100 117 78
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital		 0.00 0.00 113 114 96 -13 3.81 -18
Enterprise Value (EV)		 0.00 0.00 130 125 -63 -59 -48 -32
Market Capitalization		 173 173 173 173 173 173 173 173
Book Value per Share		 $0.00 $0.00 $9.03 $8.14 $16.71 $16.74 $17.05 $17.35
Tangible Book Value per Share		 $0.00 $0.00 $8.69 $7.85 $16.71 $16.74 $17.05 $17.35
Total Capital		 0.00 0.00 1,145 1,382 1,216 1,223 1,242 1,246
Total Debt		 0.00 0.00 989 1,220 885 891 903 948
Total Long-Term Debt		 0.00 0.00 989 1,220 885 891 903 948
Net Debt		 0.00 0.00 -42 -48 -235 -232 -221 -205
Capital Expenditures (CapEx)		 0.00 1.17 0.00 0.00 3.05 0.00 0.00 -0.39
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 0.00 -2.83 -2.14 -3.49 -3.66 -3.35 11
Debt-free Net Working Capital (DFNWC)		 0.00 0.00 306 535 346 343 361 404
Net Working Capital (NWC)		 0.00 0.00 306 535 346 343 361 404
Net Nonoperating Expense (NNE)		 -1.27 -0.28 -0.17 0.73 -0.59 -1.23 -1.44 -1.67
Net Nonoperating Obligations (NNO)		 0.00 0.00 -42 -48 -235 -232 -221 -219
Total Depreciation and Amortization (D&A)		 0.52 0.62 0.15 0.09 0.35 0.10 0.10 -0.18
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Debt-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Adjustments		 - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.04 $0.05 $0.06 $0.01
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 19.84M 18.31M 18.33M 18.35M 16.28M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.04 $0.05 $0.06 $0.01
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 19.84M 18.31M 18.33M 18.35M 16.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 0.00 19.84M 19.84M 19.84M 19.84M 161.49K
Normalized Net Operating Profit after Tax (NOPAT)		 1.14 -1.09 0.68 -0.25 0.12 -0.28 -0.34 -1.51
Normalized NOPAT Margin		 5.86% -7.19% 3.75% -1.48% 1.03% -1.70% -2.05% -14.43%
Pre Tax Income Margin		 15.22% -6.84% 6.06% -6.77% 15.17% 6.69% 8.00% 5.86%
Debt Service Ratios		 - - - - - - - -
EBIT to Interest Expense		 1.61 -0.78 0.42 -0.39 0.20 -1.10 -1.05 -2.50
NOPAT to Interest Expense		 1.04 -0.58 0.31 -0.07 0.16 -0.57 -0.53 -2.01
EBIT Less CapEx to Interest Expense		 0.00 -1.41 0.00 0.00 -4.01 0.00 0.00 -2.00
NOPAT Less CapEx to Interest Expense		 0.00 -1.21 0.00 0.00 -4.06 0.00 0.00 -1.51
Payout Ratios		 - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

FB Bancorp (NASDAQ:FBLA) shows a very different picture in Q1 2026 versus the prior year: revenue and profitability have weakened, while the balance sheet now looks much more leveraged. The company remained profitable on a continuing-operations basis, but reported net income was slim once discontinued operations were included. At the same time, cash declined and debt increased, which are important developments for retail investors to watch.

  • Net income from continuing operations was positive in Q1 2026 at $494,000, versus a loss from continuing operations in Q3 2024 and a loss in Q1 2024. That suggests the core business is still generating earnings, even if modestly.
  • Operating cash flow was strong in Q1 2026 at $12.7 million, supported by $13.2 million in operating cash flow from continuing/discontinued activities combined. This is a meaningful improvement from Q1 2025’s $7.0 million and Q1 2024’s negative operating cash flow.
  • Interest and investment income remained a major support for earnings, helping offset weak operating income. In Q1 2026, interest and investment income was $3.3 million versus $768,000 of interest expense.
  • Book equity held up at $297.7 million despite the tougher quarter, giving the company a sizable equity cushion relative to reported liabilities.
  • Cash and equivalents plus short-term investments remained substantial at roughly $393.2 million in Q1 2026, providing liquidity flexibility.
  • Total assets were essentially flat year over year at $1.265 billion in Q1 2026 versus $1.264 billion in Q3 2025, indicating a stable asset base.
  • Revenue trends have been uneven: Q1 2026 total revenue of $10.5 million was down from $11.3 million in Q1 2025 and $19.4 million in Q3 2023, but this business appears sensitive to timing and periodic income items.
  • Quarterly earnings remain low relative to the asset base. Q1 2026 diluted EPS was just $0.01, showing limited earnings power in the latest period.
  • Operating income was negative in Q1 2026 at a loss of $1.9 million, meaning core operations did not cover operating expenses before other income was added.
  • Net income attributable to common shareholders fell to just $119,000 in Q1 2026, down sharply from $705,000 in Q1 2025 and $1.08 million in Q3 2025.
  • Long-term debt rose to $948.1 million in Q1 2026, up from $903.3 million in Q3 2025 and $884.9 million in Q1 2025. This pushed liabilities to $967.3 million, versus only $297.7 million of equity.
  • Cash and equivalents declined to $46.2 million from $65.7 million in Q3 2025 and $98.6 million in Q1 2025, while short-term investments also fell sequentially.
  • Net cash change was negative in Q1 2026, with cash and equivalents falling by $14.1 million during the quarter despite positive operating cash flow. Heavy investing outflows and debt-related activity pressured liquidity.
  • Discontinued operations contributed to volatility. Q1 2026 included a $375,000 loss from discontinued operations, and prior periods also showed sizable discontinued-operations items, making headline earnings less predictable.

Bottom line: FBLA’s latest quarter shows a company that is still producing cash and remains profitable on a continuing-operations basis, but core operating performance is weak and leverage is high. Investors may want to focus on whether management can restore operating profitability while keeping debt and liquidity under control.

07/30/26 11:50 AM ETAI Generated. May Contain Errors.

FB Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, FB Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

FB Bancorp's net income appears to be on a downward trend, with a most recent value of $1.25 million in 2025, rising from $1.12 million in 2023. The previous period was -$6.21 million in 2024. See where experts think FB Bancorp is headed by visiting FB Bancorp's forecast page.

FB Bancorp's total operating income in 2025 was -$2.90 million, based on the following breakdown:
  • Total Gross Profit: $17.39 million
  • Total Operating Expenses: $20.29 million

Over the last 2 years, FB Bancorp's total revenue changed from $63.18 million in 2023 to $44.51 million in 2025, a change of -29.6%.

FB Bancorp's total liabilities were at $940.96 million at the end of 2025, a 5.2% increase from 2024, and a 2.8% decrease since 2023.

In the past 2 years, FB Bancorp's cash and equivalents has ranged from $60.27 million in 2025 to $98.85 million in 2024, and is currently $60.27 million as of their latest financial filing in 2025.

Over the last 2 years, FB Bancorp's book value per share changed from 9.09 in 2023 to 15.85 in 2025, a change of 74.5%.


Related Companies

Financial statements for NASDAQ:FBLA last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Trump Takes Emergency Action - Plus Elon Musk's New Venture
Elon Musk has quietly launched a new venture - one that has nothing to do with rockets, EVs, or Neuralink. Tru...
Altimetry | Sponsoredtc pixel
SpaceX just minted 4,400 millionaires
SpaceX's $1.75 trillion IPO turned more than 4400 employees into millionaires, according to The New York Times...
The Oxford Club | Sponsoredtc pixel
Here’s Why Trump Won’t End The Iran War
Trump has called an Iran deal close 38 times since the war began, yet the fighting keeps flaring back up. O...
Banyan Hill Publishing | Sponsoredtc pixel
The trade I’ve been waiting for since 2011
Ross Givens, Director of Research at Traders Agency, is calling for gold to reach $10,000 an ounce this superc...
Traders Agency | Sponsoredtc pixel
BNZI Is Building an AI Growth Engine
Banzai International (NASDAQ: BNZI) just earned a Zacks Rank 2 (Buy) upgrade, reflecting rising confidence in ...
Huge Alerts | Sponsoredtc pixel
SpaceX pays a 10X launch penalty
SpaceX burns roughly $200,000 in fuel per Falcon 9 launch - about $20 million across 100 missions. One unde...
Freedom Financial | Sponsoredtc pixel
Your book is inside
The "Sucker's Bet" Most New Options Traders Fall For Most people who try options lose money the same way. ...
Profits Run | Sponsoredtc pixel
A letter from Shannon Stansberry
Porter Stansberry nearly canceled the entire project. When he first saw the claimed returns - only one down ye...
Porter & Company | Sponsoredtc pixel