FB Bancorp, Inc. Common Stock (FBLA) Stock

FB Bancorp, Inc. Common Stock (FBLA) is a Financials stock trading at $15.73 (as of 2026-09-02), with a market capitalization of $250.86M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

FB Bancorp, Inc. is the bank holding company for Fidelity Bank. The bank accepts deposits and invests them and other operating funds primarily in one- to four-family residential mortgage loans, while also originating residential construction loans, commercial real estate loans, commercial loans, and home equity and other consumer lending in its primary market areas.

Understand FB Bancorp, Inc. Common Stock: how it makes money

FB Bancorp is the holding company for Fidelity Bank, a Louisiana savings bank that collects local deposits and lends them out as residential mortgages and construction loans. It earns the gap between deposit costs and mortgage yields, with most assets tied to small-town Louisiana real estate.

The entire P&L runs on the net interest spread: the bank pays depositors a low rate, lends the money out as home mortgages at a higher rate, and earns the difference after provisioning for credit losses.

Business quality (Weak): Business quality is graded Weak: revenue is shrinking, operating margin is only 3%, ROE is 0.0%, and the stock trades at a multiple roughly 15 times the industry norm.

Valuation: At 202× earnings, FBLA trades 1463% above the Banking average (13×).

Bull case

  • Focused local mortgage niche: Fidelity Bank concentrates its lending in one-to-four family residential mortgages and construction loans across Louisiana, a specialized franchise that builds deep local relationships and reduces competition from national banks. Receipt: 10-K.

Bear case

  • Valuation is a massive outlier: At a P/E of 202.4× versus the Banking industry average of 13× (1463% above), the stock embeds expectations far beyond what current earnings can support, leaving almost no room for operational missteps.
  • Margins leave no cushion: An operating margin of 3% means a modest uptick in credit losses, funding costs, or litigation expenses could tip the bank toward a net loss in any single quarter.
Valuation — source: SEC EDGAR (first-party)
Price$15.73
Market Cap$250.86M
EV / EBITDA30.5
Price / Book0.88
Price / Sales3.91
FCF Yield-1.6%
DCF Value (model)$1.02
DCF Upside vs Price-93.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$65.81M
Net Margin1.9%
Revenue Growth (YoY)-4.8%
EPS Growth (YoY)-100.0%
FCF Growth (YoY)4475.1%
Valuation vs Sector & Industry
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($15.46M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOChristopher S. Ferris
Employees329
CountryUS
IPO Date2024-02-29

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FBLA earnings history · FBLA institutional & insider holders · FBLA KPIs & operating metrics · FBLA financials · FBLA investor presentations & press releases · FBLA SEC filings · FBLA peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.