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FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank that provides various banking products and services primarily for individuals, businesses, and communities. The company offers various deposit products, including NOW accounts, savings accounts, money market accounts, and certificate of deposit accounts. It also provides residential mortgage loans; residential construction loans; commercial real estate loans, which includes commercial mortgage, commercial construction, and land development loans; commercial loans, such as commercial and industrial, small business, and other commercial loans not secured by real estate; home equity loans and lines of credit; and consumer loans. In addition, the company invests in securities, which consists primarily of mortgage-backed securities and obligations issued by U.S. government sponsored enterprises. FB Bancorp, Inc. was founded in 1908 and is headquartered in New Orleans, Louisiana.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $52M | - | $1M | $-4M | 0.4% | 13.1% | - |
| 2024 | $46M | - | $-6M | $-5M | -1.9% | -33.0% | -655.8% |
| 2023 | $69M | - | $1M | $-14M | 0.7% | -0.2% | -47.0% |
| 2022 | $69M | - | $2M | $45M | 1.4% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 69.01 | 68.85 | 46.09 | 52.14 |
| Pretax Income | 2.10 | 1.45 | 1.70 | 4.82 |
| Tax Provision | -0.01 | 0.33 | 0.20 | 0.87 |
| Net Income | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income Common Stockholders | 2.11 | 1.12 | -6.21 | 1.25 |
| Interest Expense | 2.24 | 10.13 | 19.43 | 17.80 |
| Interest Income | 43.81 | 54.30 | 60.88 | 65.81 |
| Selling General And Administration | 52.32 | 52.24 | 31.33 | 33.12 |
| Normalized Income | 2.10 | -2.99 | 1.76 | 4.02 |
| Basic EPS | 0.12 | 0.06 | -1.74 | 0 |
| Diluted EPS | 0.12 | 0.06 | -1.74 | 0 |
| Tax Effect Of Unusual Items | 0 | 1.21 | -0.03 | -0.02 |
| Tax Rate For Calcs | 0 | 0.23 | 0.11 | 0.18 |
| Total Unusual Items | 0.01 | 5.32 | -0.28 | -0.09 |
| Total Unusual Items Excluding Goodwill | 0.01 | 5.32 | -0.28 | -0.09 |
| Net Income From Continuing Operation Net Minority Interest | 2.11 | 1.12 | 1.51 | 3.94 |
| Reconciled Depreciation | 5.23 | 4.17 | 3.04 | 3.09 |
| Net Interest Income | 41.57 | 44.17 | 41.44 | 48 |
| Net Income From Continuing And Discontinued Operation | 2.11 | 1.12 | -6.21 | 1.25 |
| Diluted Average Shares | 17.25 | 17.25 | 3.56 | 0 |
| Basic Average Shares | 17.25 | 17.25 | 3.56 | 0 |
| Diluted NI Availto Com Stockholders | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income Including Noncontrolling Interests | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income Discontinuous Operations | 0 | 0 | -7.72 | -2.69 |
| Net Income Continuous Operations | 2.11 | 1.12 | 1.51 | 3.94 |
| Special Income Charges | 0 | 0 | -5.79 | 0 |
| Other Special Charges | 0 | -5.32 | 0 | 0 |
| Impairment Of Capital Assets | 0 | 0 | 5.79 | 0 |
| Gain On Sale Of Security | 5.04 | -0.18 | 0.28 | 0.21 |
| Depreciation Amortization Depletion Income Statement | 3.08 | 1.76 | 0.50 | 0.38 |
| Depreciation And Amortization In Income Statement | 3.08 | 1.76 | 0.50 | 0.38 |
| Amortization | 3.08 | 1.76 | 0.50 | 0.38 |
| Amortization Of Intangibles Income Statement | 3.08 | 1.76 | 0.50 | 0.38 |
| Selling And Marketing Expense | 1.78 | 1.75 | 1.63 | 0.82 |
| General And Administrative Expense | 50.53 | 50.48 | 29.69 | 32.30 |
| Other Gand A | 7.83 | 8.95 | 5.23 | 6.14 |
| Salaries And Wages | 42.70 | 41.53 | 24.46 | 26.16 |
| Operating Revenue | 69.01 | 68.85 | 46.09 | 52.14 |
| Occupancy And Equipment | 8.24 | 8.07 | 6.61 | 7.20 |
| Other Non Interest Expense | 3.67 | 4.68 | 4.42 | 4.91 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| FB Bancorp, Inc.this co. | FBLA | $193M | 63.86↑ premium | 0.74 | 0.4% | - |
| Citizens Community Bancorp, Inc. | CZWI | $201M | 13.61 | 1.65 | 7.7% | - |
| Octave Specialty Group, Inc. | OSG | $199M | - | 0.28 | -24.1% | -35.44 |
| Consumer Portfolio Services, Inc. | CPSS | $198M | 11.40 | 0.64 | 6.2% | - |
| First Internet Bancorp | INBK | $197M |
| - |
| 0.55 |
| -9.8% |
| - |
| CPI Card Group Inc. | PMTS | $194M | 13.55 | -11.20 | -86.3% | 6.60 |
| CF Bankshares Inc. | CFBK | $191M | 10.90 | 1.02 | 9.5% | - |
| CB Financial Services, Inc. | CBFV | $182M | 27.60 | 1.15 | 3.1% | - |
| Eagle Bancorp Montana, Inc. | EBMT | $181M | 11.38 | 0.93 | 7.7% | - |
| Peer Median | - | 12.48 | 0.79 | 4.7% | -14.42 | |