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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% | -120.2% |
| 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 | 46.10 | 52.14 |
| Operating Revenue | 69.01 | 68.85 | 46.10 | 52.14 |
| Selling General And Administration | 52.32 | 52.24 | 31.33 | 33.12 |
| Interest Income | 43.81 | 54.30 | 60.88 | 65.81 |
| Interest Expense | 2.24 | 10.13 | 19.43 | 17.80 |
| Net Interest Income | 41.57 | 44.17 | 41.44 | 48 |
| Pretax Income | 2.10 | 1.45 | 1.70 | 4.82 |
| Tax Provision | 0 | 0.33 | 0.20 | 0.87 |
| Tax Rate For Calcs | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | 0 | 1.21 | -0.03 | -0.02 |
| Net Income Continuous Operations | 2.11 | 1.12 | 1.51 | 3.94 |
| Net Income From Continuing And Discontinued Operation | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income From Continuing Operation Net Minority Interest | 2.11 | 1.12 | 1.51 | 3.94 |
| Net Income | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income Common Stockholders | 2.11 | 1.12 | -6.21 | 1.25 |
| Net Income Including Noncontrolling Interests | 2.11 | 1.12 | -6.21 | 1.25 |
| Normalized Income | 2.10 | -2.99 | 1.76 | 4.02 |
| Diluted NI Availto Com Stockholders | 2.11 | 1.12 | -6.21 | 1.25 |
| Basic Average Shares | 17.25 | 17.25 | 3.56 | 18.20 |
| Diluted Average Shares | 17.25 | 17.25 | 3.56 | 18.20 |
| Reconciled Depreciation | 5.23 | 4.17 | 3.04 | 3.09 |
| 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 Discontinuous Operations | - | - | -7.72 | -2.69 |
| Special Income Charges | 0 | 0 | -5.79 | - |
| Other Special Charges | - | -5.32 | - | - |
| Impairment Of Capital Assets | - | 0 | 5.79 | - |
| 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 |
| General And Administrative Expense | 50.54 | 50.48 | 29.69 | 32.30 |
| Other Gand A | 7.83 | 8.95 | 5.23 | 6.14 |
| Salaries And Wages | 42.70 | 41.54 | 24.46 | 26.16 |
| Selling And Marketing Expense | 1.78 | 1.76 | 1.63 | 0.82 |
| Amortization | 3.08 | 1.76 | 0.50 | 0.38 |
| Amortization Of Intangibles Income Statement | 3.08 | 1.76 | 0.50 | 0.38 |
| Occupancy And Equipment | 8.24 | 8.07 | 6.61 | 7.20 |
| Other Non Interest Expense | 3.66 | 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 | $225M | 179.93↑ premium | 0.72 | 0.4% | - |
| Medallion Financial Corp. | MFIN | $230M | 4.93 | 0.56 | 11.4% | - |
| Virginia National Bankshares Corporation | VABK | $229M | 11.89 | 1.24 | 10.5% | - |
| Ohio Valley Banc Corp. | OVBC | $227M | 14.56 | 1.33 | 9.2% | - |
| Peoples Bancorp of North Carolina, Inc. | PEBK |
| $223M |
| 11.26 |
| 1.42 |
| 12.6% |
| - |
| National Bankshares, Inc. | NKSH | $222M | 14.04 | 1.20 | 8.6% | - |
| Eagle Financial Services, Inc. | EFSI | $221M | 26.88 | 1.17 | 4.3% | - |
| Oportun Financial Corporation | OPRT | $220M | 8.73 | 0.57 | 6.5% | - |
| Meridian Corporation | MRBK | $220M | 10.09 | 1.10 | 10.9% | - |
| Peer Median | - | 11.58 | 1.19 | 9.8% | - | |