FB Bancorp, Inc. Common Stock
$13.87
-1.2%FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank, a Louisiana-chartered mutual savings bank. The bank primarily engages in accepting deposits from the general public and investing those deposits, along with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in its primary market areas. It also originates residential construction loans, commercial real estate loans, commercial loans, home equity loans and lines of credit, and consumer loans.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is elevated (P/E 201.6).
Valuation inputs: P/E 201.6, earnings yield +0.5%, momentum -1.2%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +0.4%, ROIC +1.0%).
Profitability stack: net margin +1.8%, ROE +0.4%, ROIC +1.0%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +75.0%, momentum -1.2%, net margin +1.8%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
FB Bancorp, Inc. Common Stock Market vs Earnings Trajectory
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FB Bancorp, Inc. Common Stock Fair Value Envelope
FB Bancorp, Inc. Common Stock Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
FB Bancorp, Inc. Common Stock Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Very high capital intensity consumes most operating cash flow. Limited flexibility for dividends or debt reduction.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.
FB Bancorp, Inc. Common Stock Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
FB Bancorp, Inc. Common Stock Street Expectations Map
No Target Data
No analyst price targets available for fbla.
FB Bancorp, Inc. Common Stock Insider Positioning
During the last 12 months, insiders have purchased $32K and sold $3K worth of FBLA shares, resulting in $28K of net buying activity.
3 Months
86
1.20K
0
0.00
+1K
+$1K
3-6 Months
154
2.00K
261
3.43K
-1K
-$1K
6-9 Months
271
3.27K
0
0.00
+3K
+$3K
9-12 Months
2.3K
25.41K
0
0.00
+25K
+$25K
Top Buyers
Folds Josh C
Officer: Chief Banking Officer
$20K
Ferris Christopher S
Director, Officer: President And Ceo
$8K
Wanner Todd M
Officer: Chief Financial Officer
$4K
Top Sellers
Baker Randall L
Officer: Chief Operating Officer
$3K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $28K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
3 insider buyers vs. 1 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
fbla Dividend History
Learning Layer
Related Guides
Build conviction on FBLA by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.