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what it is
It is a Louisiana community bank that takes your deposits and turns them into home, business, and consumer loans.
how it gets paid
Last year Fb Bancorp made $66M in revenue. one- to four-family residential mortgages was the main engine at $26.4M, or 40% of sales.
what just happened
Q4 2025 revenue was about $8.9M (down ~32% vs. the prior-year quarter); diluted EPS was about ($0.08). The bank’s trailing-four-quarter revenue is still near the ~$62–$66M range—nothing like a $54M quarter.
At a glance
n/a balance sheet
-$1.74 fy2024 eps est
$6M fy2024 rev est
~$232M market cap
small cap
What they do
It is a Louisiana community bank that takes your deposits and turns them into home, business, and consumer loans.
FBLA wins the old-fashioned way: 18 full-service branches, 2 drive-up branches, and 14 ATMs across Louisiana. Deposits (customer cash the bank can lend out → cheap funding → better loan profit) tend to stick when your checking account, mortgage, and local banker are all in one place. If you already bank there, moving your money and your loan is a chore, and that friction matters when the bank has 329 employees serving one local market.
How they make money
$66M
annual revenue
one- to four-family residential mortgages
$26.4M
commercial real estate loans
$16.5M
commercial and industrial loans
$8.6M
residential construction loans
$7.9M
deposit accounts, home equity, and consumer banking fees
$6.6M
The products that matter
takes deposits and makes loans
Banking Services
$66M annual revenue
it's the whole disclosed business: a $66M revenue bank with no segment diversification to soften a hit if funding costs rise, loan performance weakens, or capital terms move against common shareholders.
100% of revenue
Key numbers
$66M
annual revenue
That is the current size of the business, and it tells you FBLA is still a very small bank by public-market standards.
~$8.9M
latest quarter revenue
Q4 2025 came in near ~$9M on a ~$62M trailing-four-quarter base—typical quarterly volatility for a small bank, not a mis-scaled $54M quarter.
$74M
long-term debt
Debt equals 24% of capital, which is leverage you can live with until credit losses make it everyone’s problem.
18
full branches
For a community bank, physical presence still matters because deposits and local lending often start with a branch visit.
Financial health
n/a
strength
- balance sheet grade n/a
- long-term debt $74M (24% of capital)
n/a — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FBLA right now.
source: institutional data · return history unavailable
What just happened
results filed
Q4 2025 revenue was about $8.9M, down roughly 32% vs. prior year; diluted EPS was about ($0.08).
Prior versions of this page incorrectly used a ~$54M “quarter” and ~188% growth—those figures do not match the bank’s reported quarters (e.g., Q3 2025 revenue near ~$18M with ~11% vs. prior year growth and diluted EPS near $0.06). FY2024 remained weak (diluted EPS about ($1.74) in screening data). Use the SEC filings as the source of truth.
~$8.9M
Q4 2025 revenue
~($0.08)
Q4 2025 diluted eps
~$62M
ttm revenue (approx.)
the number that mattered
The ~$8.9M Q4 print matters because it clears the bad data: quarterly revenue for FBLA is single-digit to high-teens millions, not $50M+—so read quarter-to-quarter swings in that context.
source: company earnings report, 2026
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What could go wrong
your #1 risk is the february 2026 capital structure change. until management makes the economics clear, you are underwriting uncertainty in the security itself, not just in the bank's earnings.
high
capital structure risk
The February 9, 2026 filing points to a material capital change, but this snapshot does not provide enough detail to model the effect. That leaves you exposed to possible dilution, higher leverage, securities senior to common equity, or some combination of the three.
If the filing weakens common shareholders' claim on the bank, the stock can reprice before reported earnings explain why.
high
earnings quality risk
A FY2024 revenue estimate of $6M against previously reported annual revenue of $66M is not a rounding issue. It means either the forecast framework changed, the business changed, or the data still needs reconciliation.
When the revenue base itself is unsettled, valuation math stops being analysis and starts being guesswork.
med
funding and credit sensitivity
This is a one-business bank with $74M in long-term debt, equal to 24% of capital. If deposit costs rise, credit losses climb, or asset yields fail to keep up, there is no fee-heavy side business here to absorb the hit.
Negative EPS expectations and leverage are a bad combination if core banking pressure lasts longer than expected.
med
low-visibility risk
No composite score, no balance sheet grade, no usable total return series, and ownership data still being compiled means you have less external verification than usual. That can leave the stock cheap. It can also leave you waiting on answers while the market prices in its own version of them.
Thin coverage can amplify volatility because each filing carries more narrative weight than it would in a widely followed bank.
The combined risk picture is concrete: negative FY2024 EPS expectations, a $6M versus $66M revenue disconnect, and $74M of long-term debt on a $232M bank. If the capital filing also weakens common equity, the downside is not abstract.
source: institutional data · regulatory filings · risk analysis
Pay attention to
risk
what the capital filing actually changes
The February 9, 2026 8-K is the whole near-term story. You want terms, not labels: dilution, new debt, preferred stock, or a cleanup of existing obligations.
metric
whether $6M is a real revenue run-rate
A projected $6M versus previously reported $66M is the gap to watch. If filings reconcile it cleanly, trust improves. If not, the equity case gets thinner.
calendar
the next filing with operating detail
This stock needs fewer labels and more hard numbers. The next detailed update matters more than any broad small-bank narrative.
trend
insider activity after the march sale
One 261-share sale is minor. A pattern of selling during a still-unclear capital transition would tell you much more than the first trade did.
Analyst rankings
chart momentum
top 20%
momentum rank 2 — analysts expect above-average price performance in the year ahead.
source: institutional data
Institutional activity
institutional ownership data for FBLA is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$13
current price
n/a
target midpoint · n/a from current
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