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FB Bancorp, Inc. (FBLA)

Nasdaq: FBLA · Savings Institutions, Not Federally Chartered · New Orleans, LA · filing with the SEC since 2024
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Grade4.6
◀ Past 5.0● Present 4.3▶ Future 4.6
3 est.
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The grade of FB Bancorp, Inc.

Nine metrics read from its own filings, by tense
Headline grade
4.6/10
◀ Past5.040% of the headline
● Present4.335% of the headline
▶ Future4.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.0/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
8.7/10

Has it survived what it has been through?

No warning events in its filings since 2024.

weight 45% of this tense · 87th percentile among 23 sector filers · read for itself

From the record

FB Bancorp, Inc.'s filings since 2024 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.7/10

What has it actually done, year after year?

+10.1% a year over 3 filed years; profitable in 2 of 3.

weight 22% of this tense · 47th percentile among 19 sector filers · read for its customers

From the record

FB Bancorp, Inc.'s 3 filed years say what it did: revenue went from $54 million in fiscal 2023 to $66 million in fiscal 2025, up 10.1% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 2 of 3 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span10.1%bottom 18% of its family
  • the share of years revenue rosetop 18% of its family
  • the share of filed years with a profitbottom 8% of its family
  • the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
0.2/10

How has it treated the people who own it?

SI estimate 0.2/10, confidence 35 of 100 (one part).

weight 33% of this tense · 2nd percentile among 22 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 2% of 22 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 22 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: FB Bancorp, Inc.'s shareholder treatment is put at 0.2 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 2% of 22 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

4.3/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
3.9/10

Is it financially healthy right now?

ROE 0%: 0¢ of profit per shareholder dollar. Leverage 75%: owes 75¢ per asset dollar.

weight 45% of this tense · 39th percentile among 23 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, FB Bancorp, Inc. earned about 0 cents of profit for every dollar of shareholders' money. Leverage: it owed about 75 cents per dollar of assets, and net share issuance: its share count grew 410.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 7% of its family
  • return on equitybottom 20% of its family
  • the share count against the year beforebottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
2.5/10

How strong is its position in its industry?

bottom 25% of 22 in its family; net margin 1.9%.

weight 33% of this tense · 25th percentile among 22 sector filers · read for its customers

From the record

FB Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $66 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 1.9% ranks in the bottom 20%; revenue growth of 10.1% a year over the last 2 filed years ranks in the bottom 20% (its annual reports).

What it rests on

  • revenue against the family$65.8Mbottom 34% of its family
  • net margin1.9%bottom 20% of its family
  • three-year revenue growth10.1%bottom 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
7.7/10

What are the people in charge doing?

SI estimate 7.7/10, confidence 35 of 100 (one part).

weight 22% of this tense · 77th percentile among 22 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 23% of 22 in its family; the record of its people begins on 2024-10-22 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.1 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2024-10-22 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.1 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 22 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: FB Bancorp, Inc.'s leadership is put at 7.7 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 23% of 22 in its family; the record of its people begins on 2024-10-22 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.1 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.6/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed
3.0/10

How much room does it have to grow?

bottom 30% of 19 in its family for room to expand.

weight 33% of this tense · 30th percentile among 19 sector filers · read for itself

From the record

FB Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $60 million against no long-term debt tagged leaves 4.8% of its assets as net cash, top 42% of its family; cash from operations less capital spending is -5.9% of revenue (bottom 2%) (its annual report).

What it rests on

  • cash less debt against assets4.8%top 42% of its family
  • cash from operations less capital spending against revenue-5.9%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.3/10

What could actually drive growth from here?

top 47% of 19 in its family for growth drivers.

weight 33% of this tense · 53rd percentile among 19 sector filers · read for its customers

From the record

FB Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 10.1% a year over the last three filed years against 10.1% over all 3, speeding up (bottom 39% of its family); the newest year grew 8.1% (top 34%); capital spending grew -2.7% a year (top 47%) (its annual reports). FB Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yearbottom 39% of its family
  • the newest year's revenue growth8.1%top 34% of its family
  • three-year growth of capital spending-2.7%top 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
5.4/10

Did its newest year beat what its own record pointed to?

SI estimate 5.4/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 17 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 17 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 17 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: FB Bancorp, Inc.'s expectations vs reality is put at 5.4 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 17 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FBLA · research, not advice