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Stock Ratings / Financials / FBLA / earnings
FSBW (66) RBKB (64) TSBK (69) ECBK (67) ⌘ Pro Terminal →

FB Bancorp Inc. (FBLA) Next Earnings Date & Expected ±5.1% Move

$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 42/100 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 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE D- • SELL / AVOID Cap $266.3M
📤 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 2026-11-03, FB Bancorp Inc. (NASDAQ: FBLA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $16.70 (-1.71% 1D, market cap $266.3M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, FBLA ranks #886 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- (42/100 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 $346.2M) and RBKB (Rhinebeck Bancorp Inc.) posts a C grade (64/100 RQD, P/E 20.0x, ROIC 7.3%, cap $202.2M). 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 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D-
025507510042
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+
Cash (5)Whales (11)SEC (13)Macro (8)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-7.2% Base Target
$19 Bull$16 Base$12 Bear
📬 FREE FBLA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FBLA)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (42/100 Composite)
🔍 WHY FBLA SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (31% of score)

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

▲ #2 Bullish Driver: Whale & Options Positioning+11/20 pts (26% of score)

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

▼ #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)
50
Grade C-$17.08-3.1% Next Q
Q2 (-2Q)
47
Grade D$16.55+3.9% Next Q
Q3 (-1Q)
45
Grade D$17.20-2.9% Next Q
Current
42
Grade D-$16.70-7% Hist 90D α
Trajectory: C- (50) → D- (42)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 42/100 (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 ($16.45) and Max Pain ($17.54) forces dealer call-delta covering toward $18.53.

🚀 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 42%NO 58%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±5.1% Swing Band

±$0.85 Expected Swing
$15.85 (-5.1%)Spot $16.70$17.55 (+5.1%)
MODEL EARNINGS SETUP GAUGE

FBLA Quantitative Pre-Earnings Setup: 42/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (42/100)Model Risk Weight (58/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0$1.3M-$3.9M52%
FY 20242024-12-31$66.5M-$6.2M-$4.6M52%
FY 20232023-12-31$69.1M$1.1M-$7.0M52%
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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Join Founding VIP Waitlist (No Card Required) →$100K Arena
FBLA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.40%🛡️ HOLDING TREND SUPPORT
2026-11-03O $16.99H $16.99L $16.70C $16.70VOL 60.0K
RES: $18.10SUP: $16.45SMA50: $16.45SMA200: $14.75
$18.00$16.56$15.12$13.68$12.24RES $18.10SUP $16.45$16.702026-05-042026-06-172026-08-042026-09-182026-11-03
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 #886 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 #886 by composite RQD confidence (42/100, grade D-) and #836 by equity capitalization ($266.3M). 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 42/100 (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- 42/100 — — 0.4% -1.71% $266.3M Benchmark Subject
FSBW
FS Bancorp Inc.
C+ 66/100 10.5x — 10.8% -0.70% $346.2M /fsbw-vs-fbla →
RBKB
Rhinebeck Bancorp Inc.
C 64/100 20.0x — 7.3% +0.62% $202.2M /rbkb-vs-fbla →
TSBK
Timberland Bancorp Inc.
C+ 69/100 12.6x — 10.9% -0.93% $364.1M /tsbk-vs-fbla →
ECBK
ECB Bancorp Inc.
C+ 67/100 24.0x — 4.5% +0.14% $186.6M /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?

As of 2026-11-03, FB Bancorp Inc. (NASDAQ: FBLA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $16.70 (-1.71% 1D, market cap $266.3M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, FBLA ranks #886 in composite RQD confidence.

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

Within the Financials sector (Banks), FBLA carries a Roarable D- (42/100 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 $346.2M) and RBKB (Rhinebeck Bancorp Inc.) posts a C grade (64/100 RQD, P/E 20.0x, ROIC 7.3%, cap $202.2M). Among the 5-stock peer group, FSBW leads on earnings multiple (10.5x) while TSBK leads on capital efficiency (10.9% ROIC).

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

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.

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 +1.52% above its 50-day simple moving average ($16.45) and +13.22% above its 200-day simple moving average ($14.75). Across its 52-week range of $11.96 to $17.65, FBLA sits at the 83.3% percentile with a 14-day RSI of 49.2 (NEUTRAL RANGE) 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

When is FBLA's next earnings date?

Based on SEC filing cadence, FB Bancorp Inc. (FBLA)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FBLA stock expected to move on earnings?

Volatility modeling currently projects a ±5.1% event move for FBLA, spanning a range between $15.85 and $17.55.

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
ROARABLE RATING BRIEF • RQD 42/100 (D-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:39:29Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FB Bancorp Inc. scores 46 out of 100, earning a D grade and the verdict "Roarable Sell — Underperform / Distribution Warning." Across the five pillars, the fundamental cash engine scores 5 out of 20, reflecting ROIC of 0.4% and an FCF yield of -1.44%, which indicates weak capital generation relative to the market value. Whale 13F flow scores 14 out of 20, pointing to a relatively stronger institutional accumulation and options positioning signal than the other pillars. Insider conviction scores 5 out of 20, based on SEC Form 4 and Congressional PTR cluster flow. Macro regime fit scores 9 out of 20 with a beta of 1.0 and sector sensitivity noted. Forensic balance sheet scores 13 out of 20, supported by an Altman Z-Score of 2.5, a Piotroski F-Score of 4/9, and a Debt/Equity ratio of 0.5. For a prospective investor, the upside drivers are limited to the institutional positioning signal and the balance sheet profile, while the weak cash generation and low insider conviction represent the principal valuation tradeoffs. The Roarable verdict frames the current setup as a distribution-risk profile rather than an accumulation setup.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$1.3MN/A$-3.9M$60.3MN/A
FY 2024$66.5M$0.0M$-6.2MN/A$-4.6M$98.8MN/A
FY 2023$69.1M$0.0M$1.1MN/A$-7.0MN/AN/A

Per the SEC financials, reported net income moved from $1.1M in FY 2023 to $-6.2M in FY 2024 and then $1.3M in FY 2025, while free cash flow was negative in all three reported periods. Per the market data, gross, operating, and net margins are each listed at 0%, and ROIC is 0.4%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Cash was reported at $60.3M for FY 2025, down from $98.8M for FY 2024. Balance sheet posture is described only through these forensic metrics; a full debt schedule is not available in source data.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, the feed contains five items, all referencing FB Bancorp Inc. (FBLA) and its market action. The items are generic market-wire and catalyst-tagged reports, with one flagged GREEN as a catalyst (a SuperTrend report on shares gaining 1.08% to $16.91) and the remainder flagged YELLOW as market-wire items. The headlines reference seasonal return charts, a top-losers list, and an estimates page; none describe a specific operational event, earnings result, or transaction. Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Analyst View & Smart Money Ownership

Analyst data is not available in source data. Holders data is not available in source data.

Open Questions

  • What are FB Bancorp's specific products, deposit and loan mix, and revenue sources, given that the source data gives no business description?
  • Why did net income swing from $1.1M in FY 2023 to $-6.2M in FY 2024 and back to $1.3M in FY 2025, and what drove the change?
  • What are the reported debt balances and EPS figures that the financials table lists as N/A?
  • What caused the cash balance to decline from $98.8M to $60.3M between FY 2024 and FY 2025?
  • What institutional holders and insider transactions sit behind the whale and insider pillar scores?

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) ↓
🔥 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
1. Pick Your Side on FBLA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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.

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