Stock Ratings / Financials / FBLA / financials

FSBW (66) RBKB (64) TSBK (69) ECBK (67) ⌘ Pro Terminal →

FB Bancorp Inc. (FBLA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$16.70 -1.71% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.62

FB Bancorp Inc. (FBLA) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $271.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FBLA Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FBLA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, FB Bancorp Inc. (NASDAQ: FBLA) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $16.70 (-1.71% 1D, market cap $271.0M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, FBLA ranks #795 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FBLA compare to FSBW and RBKB in the Financials sector?

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Within the Financials sector (Banks), FBLA carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.4%. By comparison, FSBW (FS Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 10.5x, ROIC 10.8%, cap $348.6M) and RBKB (Rhinebeck Bancorp Inc.) posts a C grade (64/100 RQD, P/E 20.0x, ROIC 7.3%, cap $200.9M). Among the 5-stock peer group, FSBW leads on earnings multiple (10.5x) while TSBK leads on capital efficiency (10.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FBLA?

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Per FBLA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002013639), FB Bancorp Inc. generated $0 in revenue (-100.0% YoY), $1.3M in net income, and -$3.9M in free cash flow against $1.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $16.62 (-0.50%)🧬 Dilution Drag (+1.92% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FBLA)Realized 20D OHLCV Swing Band: ±5.1%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY FBLA SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (30% of score)

20D Institutional Volume Accumulation (±5.1% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$17.03-4.2% Next Q

Q2 (-2Q)

Grade C-$16.31+5.3% Next Q

Q3 (-1Q)

Grade D$17.17-2.7% Next Q

Current

Grade D$16.70-6.1% Hist 90D α

Trajectory: C- (54) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FBLA Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FBLA currently carries a cautious 46/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.43) and Max Pain ($17.54) forces dealer call-delta covering toward $18.64.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FBLA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FBLA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 46%NO 54%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FBLA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $69.1M

FY24

Rev $66.5M

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$1.3M	-$3.9M	0.4%
FY 2024	$66.5M	52%	0%	-$6.2M	-$4.6M	0.4%
FY 2023	$69.1M	52%	0%	$1.1M	-$7.0M	0.4%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FBLA)

✓Walkthrough of FBLA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FBLA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.40%🛡️ HOLDING TREND SUPPORT

2026-11-02O $17.26H $17.26L $16.70C $16.70VOL 74.1K

RES: $18.06SUP: $16.43SMA50: $16.43SMA200: $14.73

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FBLA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FBLA Butterfly Map → + Track FBLA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FBLA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FBLA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FBLA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FBLA)

Financials Rank #795 of 1096 ⚔️ FSBW vs FBLA Full Matrix →

1. Head-to-Head Financials Peer Comparison (FBLA vs. FSBW, RBKB, TSBK, ECBK)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, FB Bancorp Inc. (FBLA) ranks #795 by composite RQD confidence (46/100, grade D) and #834 by equity capitalization ($271.0M). Within this direct 5-issuer industry benchmark cohort, FSBW leads on earnings valuation at 10.5x trailing P/E, while TSBK leads on capital efficiency and profitability with 10.9% ROIC and — gross margin. TSBK currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with FBLA at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FBLA ACTIVE FB Bancorp Inc.	D	46/100	—	—	0.4%	-1.71%	$271.0M	Benchmark Subject
FSBW FS Bancorp Inc.	C+	66/100	10.5x	—	10.8%	-0.70%	$348.6M	/fsbw-vs-fbla →
RBKB Rhinebeck Bancorp Inc.	C	64/100	20.0x	—	7.3%	+0.62%	$200.9M	/rbkb-vs-fbla →
TSBK Timberland Bancorp Inc.	C+	69/100	12.6x	—	10.9%	-0.93%	$367.5M	/tsbk-vs-fbla →
ECBK ECB Bancorp Inc.	C+	67/100	24.0x	—	4.5%	+0.14%	$186.4M	/ecbk-vs-fbla →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002013639

In its most recent audited fiscal period (FY2025, filed 2025-12-31), FB Bancorp Inc. (FBLA) reported GAAP revenue of $0 (-100.0% vs. FY2024 revenue of $66.5M , and -100.0% cumulative change since FY2023) , GAAP net income of $1.3M, operating cash flow of $2.8M, and free cash flow of -$3.9M (+14.3% YoY). On the balance sheet, FBLA closed FY2025 with $1.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$1.3M	$2.8M	-$3.9M	$1.26B	—
FY2024 (FY)	2024-12-31	$66.5M	-$6.2M	$814.0K	-$4.6M	$1.22B	—
FY2023 (FY)	2023-12-31	$69.1M	$1.1M	-$7.0M	-$7.0M	—	—

3. FBLA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FBLA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FBLA compare to FSBW and RBKB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FBLA?

Where is FBLA trading relative to its 50-day, 200-day, and 52-week technical levels?

FBLA last traded at $16.70 (-1.71% on volume of 59,992 shares), positioning the stock +1.64% above its 50-day simple moving average ($16.43) and +13.37% above its 200-day simple moving average ($14.73). Across its 52-week range of $11.96 to $17.65, FBLA sits at the 83.3% percentile with a 14-day RSI of 55.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.1% ($15.85 to $17.55).

FBLA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is FB Bancorp Inc. (FBLA)?

In FY 2025 (10-K), FBLA converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

Direct Sub-Reports: FBLA RQD Cockpit FBLA 12M Forecast FBLA Earnings & Move FBLA Dividends & DRIP FBLA Insiders & 13F FBLA Whale Options FBLA Profit Sankey FBLA News & Why

Sector Peer Dials

Rhinebeck Bancorp Inc.

64 /100

TSBK C+

Timberland Bancorp Inc.

NorthEast Community Bancorp Inc.

FBLA Core Snapshot

Market Cap $271.0M

Trailing / Fwd P/E — / —

Gross Profit Margin —

Return on Capital (ROIC) 0.4%

Free Cash Flow Yield -1.44%

12M Base Price Target $15.80

FREE TRADER TOOLS

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Drop 3–5 tickers into our live Portfolio X-Ray to spot hidden accounting time-bombs and see your composite RQD dial.

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FBLA Wire

Why It Moved →

Peer / Ecosystem Wire Yahoo Finance • 53d ago

Candescent's Terafina Helps Fidelity Bank Turn Leads Into Funded Accounts in a Single Session

Direct Company Event Yahoo Finance • 272d ago

FB Bancorp, Inc.'s (NASDAQ:FBLA) top owners are retail investors with 50% stake, while 46% is held by institutions

Peer / Ecosystem Wire Yahoo Finance • 353d ago

Positive Signs As Multiple Insiders Buy FB Bancorp Stock

Direct Company Event TradingView • 8d ago

FB Bancorp, Inc. Estimates – NASDAQ:FBLA

Direct Company Event Stock Traders Daily • 5d ago

(FBLA) Volatility Zones as Tactical Triggers

ROARABLE RATING BRIEF • RQD 46/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FBLA — FB Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline

As of: 2026-11-02T14:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, FB Bancorp Inc. (FBLA) carries a composite score of 46/100 (D — Roarable Sell — Underperform / Distribution Warning) at a current price of $16.70 (-1.71%). Fundamental cash generation scores 5/20 (ROIC 0.4%, FCF yield -1.44%), institutional 13F whale accumulation scores 14/20, insider conviction scores 5/20, macro regime alignment scores 9/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 4/9).

Investor Implication: At current trailing P/E and current forward P/E within Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $11.96 – $17.65.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Banks (Financials), FBLA is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

FBLA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for FB Bancorp Inc. (FBLA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FBLA Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 53d ago

Candescent's Terafina Helps Fidelity Bank Turn Leads Into Funded Accounts in a Single Session

New omni-channel experience takes consumer and business customers from account selection through funding, online or in branchATLANTA, GA / ACCESS Newswire / September 10, 2026 / , defining the era of Intelligent Banking

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 272d ago

FB Bancorp, Inc.'s (NASDAQ:FBLA) top owners are retail investors with 50% stake, while 46% is held by institutions

Key Insights FB Bancorp's significant retail investors ownership suggests that the key decisions are influenced by...

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 353d ago

Positive Signs As Multiple Insiders Buy FB Bancorp Stock

Generally, when a single insider buys stock, it is usually not a big deal. However, when several insiders are buying...

Read Full Source ↗

🟡 MARKET WIRE TradingView • 8d ago

FB Bancorp, Inc. Estimates – NASDAQ:FBLA

<a href="https://news.google.com/rss/articles/CBMieEFVX3lxTE1OR2tqOVFmdThwb3NJalZaYV9ENllPbWI0YVltTjBZdkxYSWVybUZTd3VOS1NRSWt2OVBxWklydS10MEN0N2xPYk8zSTdhTUF1bWNpclR0ay1BNmRnS1FqenpwZnpXRnBaaGxiaDhlN2hWYi1DcnV1NA?oc=5

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 5d ago

(FBLA) Volatility Zones as Tactical Triggers

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxQbGt5LXFMOVlvUWpVM0JtNmItNHd5dm9nd0NKZ3lZUWE1eUcyeUhKWTBrV2Fvcm44TERjLTdzbEtFZUNZV0tpVWRaRFRJU2tYUmtjM3lyZDFuVkVYb282U2g4WjVpM0F3MGdBeVBZRW42NlpIQUhCX0FTSHl

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 8d ago

FB Bancorp (FBLA) Edges Higher: Shares Gain 1.08% to $16.91 - SuperTrend

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxNQ2JQb3AyUFZCM1AtV25jcjFmQ2YwUjB1SFZLQzR1LTlCMTh1bi14cS00d2k2dU5zZHlBbEVlZUhHcFdIZWdiaEU0aWhRX28tWDFPLUtmbkUzVm1TUE1OczNLeGhuQU15ZGsxSWVxNjcyN25ibDI1MHQtYlo

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FBLA Bull vs. Bear Conversation Board — What's Your Call at $16.70?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FBLA 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $18.35 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FBLA (D • RQD 46/100) a Buy at $16.99?

Welcome to the FBLA (FB Bancorp Inc.) Roar Pit. Current RQD Composite is 46/100 (Roarable Sell — Underperform / Distribution Warning) in Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $13.76 (-19.0%)

Spot @ $16.99

Pump the brakes on FBLA — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FBLA, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless FB Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $19.88 (+17.0%)

Spot @ $16.99

FBLA cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FBLA, the market is fixating on short-term headline noise in Banks and ignoring the balance sheet and cash flow trajectory. At $16.99 (52-wk range $11.96 - $17.65), any beat on forward guidance forces shorts and underweight funds to chase.