NASDAQ : FBLA
FB Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 16.7 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 242.48M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Interest Income on Loans | 60.94M | 52.16M | 48.35M | 43.29M | 35.48M |
| Interest Income on Investments | 11.39M | 13.64M | 12.53M | 11.01M | 8.33M |
| Total Interest Income | 72.33M | 65.81M | 60.88M | 54.30M | 43.81M |
| Interest Paid on Deposits | 13.15M | 15.14M | 11.20M | 6.76M | 1.80M |
| Interest Paid on Borrowings | 2.60M | 2.66M | 8.24M | 3.37M | 447.00K |
| Total Interest Expense | 15.75M | 17.80M | 19.43M | 10.13M | 2.24M |
| Net Interest Income | 56.59M | 48.00M | 41.44M | 44.17M | 41.57M |
| Gain (Loss) on Sale of Assets | -87.00K | -87.00K | -283.00K | 5.32M | 9.00K |
| Gain (Loss) on Sale of Investments | 214.00K | 214.00K | 285.00K | 66.00K | 135.00K |
| Other Non-Interest Income | 2.80M | 1.44M | 1.74M | 3.86M | 4.37M |
| Total Non-Interest Income | 5.50M | 4.14M | 4.65M | 24.93M | 22.54M |
| Revenues Before Loan Losses | 62.08M | 52.14M | 46.09M | 69.09M | 64.11M |
| Provision for Loan Losses | 3.48M | 1.72M | 1.53M | 649.00K | -396.00K |
| Revenue | 58.60M | 50.42M | 44.56M | 68.44M | 64.50M |
| Salaries and Employee Benefits | 24.62M | 24.62M | 23.08M | 40.73M | 41.95M |
| Occupancy Expenses | 6.08M | 6.08M | 5.57M | 6.11M | 6.29M |
| Amortization of Goodwill & Intangibles | 375.00K | 375.00K | 503.00K | 1.76M | 3.08M |
| Selling, General & Administrative | 14.53M | 14.53M | 13.71M | 18.15M | 15.98M |
| Other Non-Interest Expense | 3.40M | 247.00K | -4.90M | ||
| Total Non-Interest Expense | 49.00M | 45.60M | 42.86M | 67.00M | 62.40M |
| EBT Excluding Unusual Items | 9.60M | 4.82M | 1.70M | 1.45M | 2.10M |
| Pretax Income | 9.60M | 4.82M | 1.70M | 1.45M | 2.10M |
| Income Tax Expense | 1.69M | 870.00K | 195.00K | 330.00K | -5.00K |
| Earnings From Continuing Operations | 7.91M | 3.94M | 1.51M | 1.12M | 2.11M |
| Earnings From Discontinued Operations | -2.69M | -2.69M | -7.72M | ||
| Net Income | 5.22M | 1.25M | -6.21M | 1.12M | 2.11M |
| Net Income to Common | 5.22M | 1.25M | -6.21M | 1.12M | 2.11M |
| Basic Shares Outstanding | 14.64M | 18.20M | 3.56M | ||
| Diluted Shares Outstanding | 14.64M | 18.20M | 3.56M | ||
| EPS (Basic) | 0.36 | 0.07 | -1.74 | ||
| EPS (Diluted) | 0.36 | 0.07 | -1.74 | ||
| Effective Tax Rate | 17.55% | 18.07% | 11.44% | 22.79% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 173.61M | 60.27M | 98.84M | 87.11M | 60.74M |
| Investment Securities | 513.27M | 167.40M | 166.84M | 171.10M | 195.26M |
| Trading Asset Securities | 184.00K | 384.00K | |||
| Mortgage-Backed Securities | 158.94M | 77.28M | 78.80M | 74.86M | |
| Total Investments | 513.27M | 326.35M | 244.12M | 250.08M | 270.50M |
| Gross Loans | 2.18B | 744.93M | 758.07M | 666.62M | 556.84M |
| Allowance for Loan Losses | -22.39M | -6.29M | -6.24M | -6.20M | -7.30M |
| Other Adjustments to Gross Loans | -979.00K | -1.17M | -934.00K | -711.00K | |
| Net Loans | 2.15B | 737.67M | 750.65M | 659.48M | 548.83M |
| Property, Plant & Equipment | 48.12M | 65.57M | 62.33M | 60.73M | 46.83M |
| Goodwill | 5.79M | 5.79M | |||
| Loans Held for Sale | 22.58M | 17.11M | |||
| Accrued Interest Receivable | 5.69M | 5.73M | 5.51M | 4.66M | |
| Other Receivables | 455.00K | 374.00K | 425.00K | ||
| Other Current Assets | 31.79M | 30.82M | 2.52M | 2.06M | |
| Long-Term Deferred Tax Assets | 2.90M | 4.82M | 5.18M | 5.22M | |
| Other Real Estate Owned & Foreclosed | 1.35M | 610.00K | 815.00K | 139.00K | |
| Other Long-Term Assets | 120.32M | 19.72M | 18.28M | 20.63M | 42.84M |
| Total Assets | 3.03B | 1.26B | 1.22B | 1.12B | 1.01B |
| Interest Bearing Deposits | 2.02B | 587.00M | 589.58M | 548.86M | 616.98M |
| Institutional Deposits | 120.90M | 78.90M | 78.40M | ||
| Non-Interest Bearing Deposits | 593.27M | 133.51M | 132.26M | 142.03M | 174.55M |
| Total Deposits | 2.61B | 841.40M | 800.74M | 769.29M | 791.53M |
| Current Portion of Long-Term Debt | 21.00M | 65.50M | 24.20M | 10.90M | |
| Current Portion of Leases | 1.00M | ||||
| Accrued Interest Payable | 392.00K | 380.00K | 524.00K | 20.00K | |
| Other Current Liabilities | 3.54M | 4.89M | |||
| Long-Term Debt | 120.00M | 19.20M | |||
| Federal Home Loan Bank Debt, Long-Term | 4.71M | 57.26M | 8.00M | 28.00M | |
| Long-Term Leases | 33.75M | 7.58M | 9.26M | 9.34M | |
| Pension & Post-Retirement Benefits | 1.00M | 917.00K | 880.00K | 685.00K | |
| Other Long-Term Liabilities | 7.77M | 4.98M | 15.96M | 32.91M | |
| Total Liabilities | 2.78B | 940.96M | 894.68M | 968.20M | 855.25M |
| Common Stock | 246.98M | 181.00K | 198.00K | ||
| Additional Paid-In Capital | 171.50M | 193.57M | |||
| Retained Earnings | 167.16M | 165.91M | 172.13M | 171.01M | |
| Comprehensive Income & Other | -24.40M | -33.43M | -15.39M | -18.99M | |
| Shareholders' Equity | 246.98M | 314.45M | 326.25M | 156.74M | 152.02M |
| Total Liabilities & Equity | 3.03B | 1.26B | 1.22B | 1.12B | 1.01B |
| Total Debt | 171.16M | 86.84M | 82.76M | 181.54M | 30.10M |
| Net Cash (Debt) | 2.44M | -26.58M | 16.08M | -94.25M | 31.02M |
| Net Cash Per Share | 0.17 | -1.46 | 4.52 | ||
| Filing Date Shares Outstanding | 14.64M | 17.16M | 18.31M | ||
| Total Common Shares Outstanding | 14.64M | 16.63M | 18.31M | ||
| Book Value Per Share | 16.87 | 18.91 | 17.81 | ||
| Tangible Book Value | 226.91M | 314.45M | 326.25M | 150.95M | 146.23M |
| Tangible Book Value Per Share | 15.50 | 18.91 | 17.81 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Net Income | 1.25M | -6.21M | 1.12M | 2.11M | |
| Depreciation & Amortization | 3.09M | 3.04M | 4.17M | 5.23M | |
| Gain (Loss) on Sale of Assets | 87.00K | 283.00K | -5.32M | -9.00K | |
| Gain (Loss) on Sale of Investments | -2.28M | -1.11M | -765.00K | -527.00K | |
| Provision for Credit Losses | 1.72M | 1.53M | 319.00K | 936.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 7.39M | 58.96M | |||
| Change in Other Net Operating Assets | 3.72M | 6.93M | -315.00K | -5.33M | |
| Other Operating Activities | -489.00K | -236.00K | -1.08M | 356.00K | |
| Net Cash from Discontinued Operations | -5.13M | -4.17M | |||
| Operating Cash Flow | 2.76M | 814.00K | -7.00M | 47.25M | |
| Capital Expenditures | -6.66M | -5.37M | -7.03M | -2.43M | |
| Investment in Securities | -69.43M | 5.85M | 25.54M | -218.88M | |
| Purchase / Sale of Intangibles | 10.75M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 9.38M | -95.01M | -112.14M | -11.88M | |
| Other Investing Activities | 1.96M | 2.23M | -1.23M | 318.00K | |
| Investing Cash Flow | -64.74M | -92.29M | -84.10M | -232.87M | |
| Long-Term Debt Issued | 73.50M | 144.50M | 142.10M | ||
| Long-Term Debt Repaid | -68.74M | -243.20M | -17.60M | ||
| Net Debt Issued (Repaid) | 4.76M | -98.70M | 142.10M | -17.60M | |
| Issuance of Common Stock | 187.85M | ||||
| Repurchase of Common Stock | -22.16M | -12.06M | |||
| Net Increase (Decrease) in Deposit Accounts | 40.66M | 31.45M | -22.24M | -37.51M | |
| Other Financing Activities | 146.00K | -5.32M | -2.38M | -1.75M | |
| Financing Cash Flow | 23.41M | 103.22M | 117.48M | -56.86M | |
| Net Cash Flow | -38.58M | 11.74M | 26.37M | -242.47M | |
| Free Cash Flow | -3.90M | -4.55M | -14.04M | 44.82M | |
| Free Cash Flow Margin | -7.74% | -10.21% | -20.51% | 69.49% | |
| Free Cash Flow Per Share | -0.21 | -1.28 | |||
| Cash Interest Paid | 17.79M | 19.58M | 9.63M | 2.24M | |
| Cash Income Tax Paid | 3.00K | 1.24M | 50.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Market Capitalization | 242.48M | 235.95M | 236.46M | ||
| Last Close Price | 16.70 | 12.85 | 11.92 | ||
| PE Ratio | 46.82 | 188.31 | |||
| PS Ratio | 4.14 | 4.68 | 5.31 | ||
| PB Ratio | 0.99 | 0.75 | 0.72 | ||
| P/OCF Ratio | 9.75 | 85.55 | 290.50 | ||
| Debt / Equity Ratio | 0.69 | 0.28 | 0.25 | 1.16 | 0.20 |
| Debt / FCF Ratio | 0.67 | ||||
| Net Debt / Equity Ratio | -0.01 | 0.09 | -0.05 | 0.60 | -0.20 |
| Net Debt / FCF Ratio | -6.81 | 3.53 | -6.71 | -0.69 | |
| Return on Equity (ROE) | 2.71% | 1.23% | 0.62% | 0.72% | |
| Return on Assets (ROA) | 0.37% | 0.32% | 0.13% | 0.10% | |
| Earnings Yield | 2.14% | 0.53% | -2.63% | ||
| FCF Yield | 9.38% | -1.65% | -1.93% | ||
| Buyback Yield / Dilution | 20.27% | -410.91% |