📊 FBLA Key Takeaways
Is FBLA a Good Investment? Thesis Analysis
FB Bancorp exhibits concerning fundamental weakness with negative operating cash flows and deteriorating profitability metrics. The company's minimal net profit margin of 4.9%, extremely low ROE of 0.8%, and negative free cash flow of -$17.7M indicate severe operational and financial stress despite maintaining a solid balance sheet equity position.
Why Buy FBLA? Key Strengths
- Substantial asset base of $1.3B provides operational scale
- Strong stockholders' equity of $338.2M with zero long-term debt
- Conservative capital structure with 0.00x debt-to-equity ratio
FBLA Investment Risks to Consider
- Severe cash flow deterioration: -$11.5M operating cash flow and -$17.7M free cash flow unsustainable long-term
- Critically low profitability: ROE of 0.8% and ROA of 0.2% indicate inefficient asset and capital utilization
- Minimal profit generation: $2.7M net income on $54M revenue suggests operational inefficiency and margin compression in financial services business
Key Metrics to Watch
- Operating cash flow trend and path to positive cash generation
- Net interest margin compression or expansion in banking operations
- Asset quality metrics and non-performing loan ratios
FBLA Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBLA Profitability Ratios
FBLA vs Default Sector
How FB Bancorp, Inc. /MD/ compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FBLA Overvalued or Undervalued?
Based on fundamental analysis, FB Bancorp, Inc. /MD/ has mixed fundamental signals relative to the Default 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.
FBLA Balance Sheet & Liquidity
FBLA 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
FBLA Quarterly 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.
FBLA Capital Allocation
FBLA SEC 10-K & 10-Q Filing 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 an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBLA's key strengths?
Claude: Substantial asset base of $1.3B provides operational scale. Strong stockholders' equity of $338.2M with zero long-term debt.
What are the risks of investing in FBLA?
Claude: Severe cash flow deterioration: -$11.5M operating cash flow and -$17.7M free cash flow unsustainable long-term. Critically low profitability: ROE of 0.8% and ROA of 0.2% indicate inefficient asset and capital utilization.
What is FBLA's revenue and growth?
FB Bancorp, Inc. /MD/ reported revenue of $54.0M.
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 $0.15.
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 rating reflects both perspectives for balanced insights.
Is FBLA a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FB Bancorp, Inc. /MD/ has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FBLA stock overvalued or undervalued?
Valuation metrics for FBLA: ROE of 0.8% (sector avg: 15%), net margin of 4.9% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy FBLA stock in 2026?
Our dual AI analysis gives FB Bancorp, Inc. /MD/ a combined SELL rating 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 $-11.5M, with capital expenditures of $6.2M. FCF margin is -32.8%.
How does FBLA compare to other Default stocks?
Vs Default sector averages: Net margin 4.9% (avg: 12%), ROE 0.8% (avg: 15%), current ratio N/A (avg: 1.8).