A Business at a Glance
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FB Bancorp, Inc. FB Bancorp, Inc. (“FB Bancorp,” the “Company,” “we,” “our”) is a Maryland corporation that was incorporated in February 2024 to become the registered bank holding company for Fidelity Bank upon its conversion from the mutual-to-stock form of organization, which occurred on October 22, 2024. The Company sold 19,837,500 shares of common stock, par value $0.01 per share, at a price of $10 per share, for gross proceeds of $198,375,000. Shares of the Company’s common stock began trading on October 23, 2024, on the Nasdaq Global Select Market under the trading symbol “FBLA.” We conduct our operations from our headquarters in New Orleans, Louisiana, primarily through Fidelity Bank. The Company is the sole shareholder of Fidelity Bank, and as such, is a bank holding company subject to regulation by the Federal Reserve Board.
| Metric | TTM | FY2024 | FY2023 |
|---|---|---|---|
| Revenue | 70M | 66M | 69M |
| Net Income | -2.7M | -6.2M | 1.1M |
| EPS | $-1.59 | $-1.74 | $0.06 |
| Free Cash Flow | -8.6M | -9.2M | -14M |
| ROIC | 0.4% | 1.2% | 4.3% |
| Gross Margin | - | - | - |
| Debt/Equity | 0.00 | 2.74 | 6.18 |
| Dividends/Share | $0.00 | - | - |
| Operating Income | 1.5M | 1.8M | 3.9M |
| Operating Margin | 2.1% | 2.7% | 5.6% |
| ROE | -0.8% | -2.6% | 0.7% |
| Shares Outstanding | 20M | 20M | 20M |
| Metric | 2023 | ||
|---|---|---|---|
| Income Statement | |||
| Revenue | 69M | 66M | 70M |
| Gross Margin | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A |
| EBIT | 3.9M | 1.8M | 1.5M |
| Op. Margin | 5.6% | 2.7% | 2.1% |
| Net Income | 1.1M | -6.2M | -2.7M |
| Net Margin | 1.6% | -9.3% | -3.9% |
| Non-Recurring | -1K | 5.5M | 5.5M |
| Returns on Capital | |||
| ROIC | 4.3% | 1.2% | 0.4% |
| ROE | 0.7% | -2.6% | -0.8% |
| ROA | 0.1% | -0.5% | -777.2% |
| Cash Flow | |||
| Op. Cash Flow | -7.0M | -4.0M | -597K |
| Free Cash Flow | -14M | -9.2M | -8.6M |
| Owner Earnings | -9.4M | -6.5M | -3.1M |
| CapEx | 7.0M | 5.2M | 8.0M |
| Maint. CapEx | 2.4M | 2.5M | 2.5M |
| Growth CapEx | 4.6M | 2.7M | 5.5M |
| D&A | 2.4M | 2.5M | 2.5M |
| CapEx/OCF | N/A | N/A | 0.0% |
| Capital Allocation | |||
| Dividends Paid | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 |
| Balance Sheet | |||
| Net Debt | N/A | N/A | -66M |
| Cash & Equiv. | N/A | N/A | 66M |
| Long-Term Debt | N/A | N/A | N/A |
| Debt/Equity | 6.18 | 2.74 | 0.00 |
| Interest Coverage | 0.6 | 0.2 | 0.2 |
| Equity | 157M | 326M | 338M |
| Total Assets | 1.1B | 1.2B | 347K |
| Total Liabilities | 968M | 895M | 131M |
| Intangibles | 5.8M | N/A | N/A |
| Retained Earnings | 172M | 166M | 166M |
| Working Capital | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A |
| Per Share Data | |||
| EPS | 0.06 | -1.74 | -1.59 |
| Owner EPS | -0.47 | -0.33 | -0.16 |
| Book Value | 7.90 | 16.45 | 17.05 |
| Cash Flow/Share | -0.35 | -0.20 | -0.01 |
| Dividends/Share | N/A | N/A | 0.00 |
| Shares Out. | 19.8M | 19.8M | 19.8M |
| Valuation | |||
| P/E Ratio | N/A | N/A | -8.8 |
| P/FCF | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | 143.6 |
| Price/Book | N/A | 0.7 | 0.8 |
| Price/Sales | N/A | 3.6 | 4.0 |
| FCF Yield | N/A | -3.9% | -3.1% |
| Market Cap | N/A | 239M | 278M |
| Avg. Price | N/A | 12.16 | 13.99 |
| Year-End Price | N/A | 12.03 | 13.99 |
FB Bancorp, Inc. /MD/ passes 0 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 2.7%.
FB Bancorp, Inc. /MD/ (FBLA) has a 5-year average return on invested capital (ROIC) of 2.7%. This is below average and may indicate limited pricing power.
FB Bancorp, Inc. /MD/ (FBLA) has a market capitalization of $278M. It is classified as a small-cap stock.
FB Bancorp, Inc. /MD/ (FBLA) does not currently pay a regular dividend.
FB Bancorp, Inc. /MD/ (FBLA) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
FB Bancorp, Inc. /MD/ (FBLA) reported annual revenue of $66 million in its most recent fiscal year, based on SEC EDGAR filings.
FB Bancorp, Inc. /MD/ (FBLA) has a net profit margin of -9.3%. The company is currently unprofitable.
FB Bancorp, Inc. /MD/ (FBLA) generated $-9 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
FB Bancorp, Inc. /MD/ (FBLA) has a debt-to-equity ratio of 2.74. This indicates higher leverage, which may increase financial risk.
FB Bancorp, Inc. /MD/ (FBLA) reported earnings per share (EPS) of $-1.74 in its most recent fiscal year.
FB Bancorp, Inc. /MD/ (FBLA) has a return on equity (ROE) of -2.6%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 2 years of financial data for FB Bancorp, Inc. /MD/ (FBLA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FB Bancorp, Inc. /MD/ (FBLA) has a book value per share of $16.45, based on its most recent annual SEC filing.
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