Stocks · Financial Services · Banks - Regional
FB Bancorp, Inc. Common Stock FBLA
$16.96 +1.07% Close, Oct 2, 2026 · NASDAQ · Market cap $274.1M
Strong trend
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 18.6% in a year, mainly through buybacks.
- Operating margin widened to 5.9% from -5.2% a year earlier.
- Net debt is 17.2× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 4%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRBottom 7%
- Revenue growth accelerationBottom 32%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 39%
- Gross marginTop 44%
- Operating marginBottom 15%
- Accruals (lower is better)Top 26%
- Net debt / EBITDA (lower is better)Bottom 6%
- Interest coverBottom 14%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 13%
- Free-cash-flow yieldTop 31%
- EBITDA / enterprise valueBottom 28%
- Sales / enterprise valueBottom 20%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 17%
- 1-year return vs S&P 500Top 11%
- Distance from 52-week highTop 6%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 22%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Top 32%
- Net debt / EBITDA (lower is better)Bottom 6%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -23.4% | -26.3% | ↓ |
| Gross margin | 76.2% | 67.5% | ↓ |
| Operating margin | -5.2% | 5.9% | ↑ |
| FCF margin | 9.9% | 46.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -26.3% | -23.4% | ↓ | Bottom 4% |
| Gross margin | 67.5% | 76.2% | ↓ | Top 44% |
| Operating margin | 5.9% | -5.2% | ↑ | Bottom 15% |
| Net margin | -0.4% | -5.4% | ↑ | — |
| Free-cash-flow margin | 46.1% | 9.9% | ↑ | — |
| Return on invested capital | 0.8% | — | Bottom 39% | |
| Revenue growth, 3-year CAGR | -0.8% | — | Bottom 7% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +27.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 17.18×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.06%
- Net buyback yield (TTM)
- 10.06%
- Shareholder yield
- 10.12%
- Share count change, 1 year
- -18.6%
- Share count change, 3-year CAGR
- -4.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | — | -0.2% | -0.8% | +1.3% | — |
| May 14, 2026 | — | +0.6% | -0.2% | +2.5% | +11.1% |
| Feb 18, 2026 | — | -2.3% | -3.7% | -3.2% | +2.7% |
| Nov 12, 2025 | — | +1.0% | -0.8% | +8.3% | +13.9% |
| Aug 14, 2025 | — | -0.4% | -0.1% | +3.9% | +3.2% |
| May 12, 2025 | — | +1.5% | +3.6% | +0.8% | +2.3% |
| Mar 27, 2025 | — | -0.3% | -1.6% | -2.3% | -4.8% |
| Nov 14, 2024 | — | -0.5% | -1.5% | +1.7% | -8.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.05 | — | — | $18.9M |
| May 14, 2026 | $0.03 | — | — | $17.4M |
| Feb 18, 2026 | $0.03 | — | — | $3.7M |
| Nov 12, 2025 | $0.06 | — | — | $23.1M |
| Aug 14, 2025 | $0.05 | — | — | $22.2M |
| May 12, 2025 | $0.04 | — | — | $20.9M |
| Mar 27, 2025 | -$0.38 | — | — | $21.1M |
| Nov 14, 2024 | -$0.05 | — | — | $21.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 61.9× | — | — | Bottom 28% |
| EV / Sales | 6.00× | — | — | Bottom 20% |
| Free-cash-flow yield | 10.63% | — | — | Top 31% |
| Earnings yield | -0.10% | — | — | Bottom 13% |
P/E over the past five years
Range 161.6× – 402.6× since Dec 31, 2023. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 83
- Days above the 200-day average
- 283
- 50-day average slope (20 days)
- +2.8%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- +6.7%
- Distance from 200-day average
- +18.4%
- RSI (14)
- 71.7
- Relative volume
- 0.65×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 13.0%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.46
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -19.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 17, 2024 | Apr 8, 2025 | -19.8% | 75 days | 160 days (Nov 25, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $274.1M
- EPS, diluted (TTM)
- -$0.02
- Revenue (TTM)
- $63.2M
- 52-week range
- $11.66 – $17.02
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Revenue | $71.3M | $79.0M | $85.9M | $69.6M |
| Gross profit | $69.4M | $68.2M | $64.9M | $50.0M |
| Operating income | $2.1M | $1.4M | -$6.4M | $4.8M |
| Net income | $2.1M | $1.1M | -$6.2M | $1.3M |
| EPS (diluted) | $0.12 | $0.06 | -$0.37 | $0.07 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.6M | $21.1M | $20.9M | $22.2M | $23.1M | $3.7M | $17.4M | $18.9M |
| Net income | -$895,000 | -$5.4M | $705,000 | $879,000 | $1.1M | -$1.4M | $119,000 | -$70,000 |
| EPS (diluted) | -$0.05 | -$0.38 | $0.04 | $0.05 | $0.06 | -$0.08 | $0.01 | -$0.00 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Operating cash flow | $47.2M | -$7.0M | -$4.0M | $2.8M |
| Capital expenditure | -$2.4M | -$7.0M | -$5.2M | -$6.7M |
| Free cash flow | $44.8M | -$14.0M | -$9.2M | -$3.9M |
| Dividends paid | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $175.8M | -$22.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $344.0M
- Total assets
- $1.23B
- Total liabilities
- $941.8M
- Total debt
- $111.2M
- Net debt
- $105.3M
- Shareholders’ equity
- $283.8M
As of Jun 30, 2026 (filed Aug 13, 2026).
Short interest
- Shares sold short
- 548,126
- Days to cover
- 5.69
- Change vs previous report
- +33.0%
FINRA short interest, settlement date Sep 15, 2026.