What is FB Bancorp, Inc.'s (FBLA) StockRank?

MoatMap's StockRank for FB Bancorp, Inc. (FBLA) is 45/100, with a Hold signal. This is a composite score combining Quality (35), Value (34), and Momentum (70) factor ranks across MoatMap's universe of 25,000+ stocks.

Does FB Bancorp, Inc. have an economic moat?

FB Bancorp, Inc. (FBLA) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is FB Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for FB Bancorp, Inc. (FBLA) is Hold, based on a StockRank of 45/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is FB Bancorp, Inc. in?

FB Bancorp, Inc. (FBLA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

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FBLA

HoldHot Air

FB Bancorp, Inc. · Financial Services · United States · $229M · Avg Vol: $1M/d

StockRank

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P/E (TTM)

94.1x

ROE

0.9%

D/E

0.2x

Dividend %

—

COMPANY DESCRIPTION

FB Bancorp, Inc. operates as the holding company for First Bank of the Lake, a community bank offering traditional banking services including deposits, lending, and wealth management to individuals and businesses. The company's competitive advantage stems from its deep local market knowledge and personalized customer service, fostering strong relationships within its specific operating communities.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	69.0M	68.8M	46.1M	52.1M	-8.9%	51.4M
EPS	0.12	0.06	-1.74	0.07	-17.0%	0.17
Shares	17.3M	17.3M	18.3M	16.6M	-3.6%	14.5M
Debt	30.1M	172.2M	73.5M	78.3M	37.5%	122.3M
Equity	152.0M	156.7M	326.3M	314.4M	27.4%	—
Op CF	47.2M	-7.0M	0.8M	2.8M	-61.2%	24.9M
Inv CF	-232.9M	-84.1M	-92.3M	-64.7M	—	—
Fin CF	-56.9M	117.5M	103.2M	23.4M	—	—

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PRICE (1Y)+2.2%

SMA 50SMA 200

$15.88

RSI (14)

62.2

52W High

$16.03

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.2%*16.4

ROE

0.9%12.3

GP/Assets

4.1%N/A

Op. Margin

4.9%24.5

FCF/Assets

0.4%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.25xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

94.1x2.5

EV/EBITDA

bankN/A

P/FCF

48.7xN/A

P/B

0.8x78.7

P/S

4.5x38.3

Div Yield

—N/A

Momentum

52W High %

99%95.9

RS 6M

7%67.1

SMA 50/200

1.11x74.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$229M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FBLA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FBLA	FB Bancorp, Inc.(you)	$229M	45	Hold
CBFV	CB Financial Services, Inc.	$191M	42	Hold
INBK	First Internet Bancorp	$245M	38	Hold
WNEB	Western New England Bancorp, Inc.	$275M	38	Hold
BRBS	Blue Ridge Bankshares, Inc.	$352M	47	Hold
MRBK	Meridian Corporation	$230M	56	Hold
CZWI	Citizens Community Bancorp, Inc.	$203M	35	Hold
OVBC	Ohio Valley Banc Corp.	$215M	34	Sell
FNWD	Finward Bancorp	$188M	36	Hold
FNRN	First Northern Community Bancorp	$281M	55	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$15.88
Market Cap	$229M
P/E (TTM)	94.06
Price/Book	0.82
Return on Equity	0.9%
Debt/Equity	0.25x
Operating Margin	4.9%
Revenue Growth	8.4%
Free Cash Flow	$5M

Company Deep Dive

FBLA

COMPANY DESCRIPTION

FINANCIAL SUMMARY (USD)

SCORE BREAKDOWN

FUNDAMENTALS

SECTOR PEERS

FB Bancorp, Inc. (FBLA): Stock Score Summary

Key Financial Metrics

Frequently Asked Questions