Detailed financial statements for None (FBLA): income statement, balance sheet and cash-flow summary. Track margins, debt, liquidity and profitability trends year over year with up to 20 years of history.
FB Bancorp, Inc. functions as the parent entity for Fidelity Bank, a mutual savings bank incorporated under Louisiana law. Fidelity Bank's principal business involves gathering funds from the public through deposits and then allocating these, along with capital generated from its operations, to provide mortgage financing for one-to-four family homes in its primary service regions.
Analysis Summary
Balance sheet quality for FBLA: current ratio of 0.5. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Income Statement (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $71.3M | $79.0M | $85.9M | $69.6M |
| Cost of Revenue | $1.8M | $10.8M | $21.0M | $19.5M |
| Gross Profit | $69.4M | $68.2M | $64.9M | $50.0M |
| Research & Development | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $52.3M | $52.2M | $52.1M | $7.0M |
| Operating Expenses | $67.3M | $66.7M | $71.3M | $45.2M |
| Operating Income | $2.1M | $1.4M | -$6.4M | $4.8M |
| EBITDA | $7.3M | $5.6M | -$3.3M | $7.5M |
| Interest Expense | $2.2M | $10.1M | $19.4M | $17.8M |
| Pre-tax Income | $2.1M | $1.4M | -$6.4M | $4.8M |
| Income Tax | -$5000 | $330000 | -$137000 | $870000 |
| Net Income | $2.1M | $1.1M | -$6.2M | $1.3M |
| EPS | $0.12 | $0.06 | $-0.37 | $0.07 |
| EPS (Diluted) | $0.12 | $0.06 | $-0.37 | $0.07 |
| Shares Outstanding (Diluted) | $17.2M | $17.2M | $17.0M | $18.2M |
Growth & Margins (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth (YoY) | +10.8% | +8.8% | -19.0% | |
| Net Income Growth (YoY) | -47.0% | -655.8% | +120.2% | |
| EPS Growth (YoY) | -46.0% | -671.0% | +118.6% | |
| Shares Change (YoY) | +0.0% | -1.4% | +7.0% | |
| Gross Margin | 97.4% | 86.4% | 75.6% | 71.9% |
| Operating Margin | 3.0% | 1.8% | -7.4% | 6.9% |
| EBITDA Margin | 10.3% | 7.1% | -3.9% | 10.8% |
| Net Margin | 3.0% | 1.4% | -7.2% | 1.8% |
| Effective Tax Rate | -0.2% | 22.8% | 2.2% | 18.1% |
Financial Health
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.03 |
Key Ratios (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| P/E | 98.83 | 183.02 | -32.22 | 186.77 |
| P/B | 1.35 | 1.31 | 0.62 | 0.74 |
| P/S | 2.87 | 2.59 | 2.36 | 3.36 |
| Gross Margin | 97.4% | 86.4% | 75.6% | 71.9% |
| Operating Margin | 3.0% | 1.8% | -7.4% | 6.9% |
| Net Margin | 3.0% | 1.4% | -7.2% | 1.8% |
Related companies: BPRN · CBNA · CFFI · FCCO · FSFG · ISTR · LCNB
More sections of FBLA: Overview · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Radar — undervalued stock signals · Investment Academy — learn to analyze stocks