FB Bancorp Inc. Common Stock (FBLA)

FairStock Score: 31/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham-style investor, I begin with the business: FB Bancorp is a small regional bank holding company, with 210 employees, that takes deposits and makes residential, construction and commercial real estate loans. The record shows a turnaround, not a steady compounder. In fiscal year 2024, the year ended 2024-12-31, revenue was $66.5M and net income was -$6.2M, or -$1.74 per diluted share. In fiscal year 2025, the year ended 2025-12-31, net income improved to $1.3M, or $0.07 per diluted share. But the recovery is uneven: in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $119,000, or $0.01 per diluted share, and in fiscal Q2 2026, the quarter ended 2026-06-30, net income was -$70,000, or $0.00 per diluted share. FairStock calculations at the 2026-10-13 close of $17.08 show a P/B of 0.88, a P/E of 100.47, ROE of 0.89%, ROCE of 0.22%, and a Piotroski F-Score of 4/9. The low price-to-book is the main attraction, but low returns and fragile earnings mean it may not be a bargain. The Lynch category is TURNAROUND, because it returned to profit after a loss within the last three years. I see little evidence of a durable competitive moat in a small bank with stagnant revenue and inconsistent profits. CET1, NIM and combined ratio are not in the data, nor are nonperforming assets, reserves or credit costs. Before calling it a bargain, I would need consistent earnings, better returns and confidence in asset quality.

In plain English: FB Bancorp is the holding company for Fidelity Bank, serving individuals and businesses with deposits and loans. The business looks weak right now: profits are tiny or negative in recent quarters, and returns on shareholder money are very low. The stock price is below the accounting value of its net assets, which can suggest cheapness, but low earnings make that hard to call clearly.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer