FB Bancorp, Inc. Common Stock (FBLA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FB Bancorp, Inc. Common Stock stock (FBLA) is currently trading at $13.52. FB Bancorp, Inc. Common Stock PE ratio is 59.59. FB Bancorp, Inc. Common Stock PS ratio (Price-to-Sales) is 3.81. WallStSmart rates FBLA as Sell.
- FBLA PE ratio analysis and historical PE chart
- FBLA PS ratio (Price-to-Sales) history and trend
- FBLA intrinsic value — DCF, Graham Number, EPV models
- FBLA stock price prediction 2025 2026 2027 2028 2029 2030
- FBLA fair value vs current price
- FBLA insider transactions and insider buying
- Is FBLA undervalued or overvalued?
- FB Bancorp, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- FBLA Piotroski F-Score and Altman Z-Score
- FBLA analyst price target and Smart Rating
FB Bancorp, Inc.
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FBLA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FB Bancorp, Inc. Common Stock (FBLA)
FBLA trades 805% above its Graham fair value of $1.50, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FB Bancorp, Inc. Common Stock (FBLA) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
FB Bancorp, Inc. Common Stock (FBLA) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
FB Bancorp, Inc. Common Stock (FBLA) Areas to Watch (7)
Revenue declining -18.90%, a shrinking business
Very low returns on shareholder equity
Very thin margins with limited operational efficiency
Very thin margins, barely profitable
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 3.81x sales
Moderate institutional interest at 34.56%
Supporting Valuation Data
FB Bancorp, Inc. Common Stock (FBLA) Detailed Analysis Report
Overall Assessment
This company scores 32/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 1 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 2.9/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.61) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Operating Margin. Some valuation metrics including Price/Sales (3.81) suggest expensive pricing. Growth concerns include Revenue Growth at -18.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 1.23%, Operating Margin at 5.05%, Profit Margin at 2.49%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 1.23% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -18.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and Return on Equity are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FBLA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FBLA's Price-to-Sales ratio of 3.81x trades at a 37% premium to its historical average of 2.78x (77th percentile). The current valuation is 1% below its historical high of 3.85x set in Feb 2026, and 79% above its historical low of 2.13x in May 2025. Over the past 12 months, the PS ratio has expanded from ~2.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for FB Bancorp, Inc. Common Stock (FBLA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
FB Bancorp, Inc. Common Stock faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 50M with 19% decline year-over-year. Profit margins are strong at 249.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 123.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 0.19 indicates a conservative balance sheet with 7M in cash.
Revenue contracted 19% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -22M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Valuation compression risk at a P/E of 59.6x. Any growth miss could trigger a sharp correction.
Debt management: total debt of 63M is significantly higher than cash (7M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact FB Bancorp, Inc. Common Stock.
Bottom Line
FB Bancorp, Inc. Common Stock faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About FB Bancorp, Inc. Common Stock(FBLA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FB Bancorp, Inc. is a community-oriented financial institution that delivers a diverse array of banking services tailored to individuals and small to medium-sized enterprises. The bank's strong focus on customer service is complemented by its comprehensive product suite, which includes various deposit accounts and a range of loan options such as commercial, residential, and home equity lines of credit. Underpinned by a commitment to community development and innovation, FB Bancorp is strategically positioned to capitalize on growth opportunities within its regional markets while continually enhancing its operational efficiencies. As the financial landscape evolves, the company remains agile, adapting its offerings to meet the dynamic needs of its clientele, and ensuring its competitive edge in the industry.