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

$16.76 +0.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.74

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.

ROARABLE D- • SELL / AVOID Cap $266.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 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 $16.76 (+0.36% 1D, market cap $266.3M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, FBLA ranks #887 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 $527.3M in revenue (+693.3% 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: $16.74 (-0.13%)🧬 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$17.20-2.6% Next Q
Current
42
Grade D-$16.76-7% 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 ($17.60) 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 →
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)
Revenue$527.3MGross Profit $274.2M (52%)Cost of Sales $253.1MOp Profit $0 (0%)OpEx (R&D/SG&A) $274.2MNet Profit$1.3M (0.2%)Tax/Other $0

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 $527.3M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$527.3M52%0%$1.3M-$3.9M0.4%
FY 2024$66.5M52%0%-$6.2M-$4.6M0.4%
FY 2023$69.1M52%0%$1.1M-$7.0M0.4%
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: +20.84%🛡️ HOLDING TREND SUPPORT
2026-11-03O $16.99H $16.99L $16.70C $16.76VOL 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$16.762026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +693.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #887 of 1097 ⚔️ FSBW vs FBLA Full Matrix →

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

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, FB Bancorp Inc. (FBLA) ranks #887 by composite RQD confidence (42/100, grade D-) and #837 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% +0.36% $266.3M Benchmark Subject
FSBW
FS Bancorp Inc.
C+ 66/100 10.5x — 10.8% +0.32% $346.2M /fsbw-vs-fbla →
RBKB
Rhinebeck Bancorp Inc.
C 64/100 20.0x — 7.3% +0.08% $202.2M /rbkb-vs-fbla →
TSBK
Timberland Bancorp Inc.
C+ 69/100 12.6x — 10.9% +2.03% $364.1M /tsbk-vs-fbla →
ECBK
ECB Bancorp Inc.
C+ 67/100 24.0x — 4.5% +0.09% $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 $527.3M (+693.3% vs. FY2024 revenue of $66.5M , and +663.1% 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 $527.3M $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 $16.76 (+0.36% 1D, market cap $266.3M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, FBLA ranks #887 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 $527.3M in revenue (+693.3% 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 $16.76 (+0.36% on volume of 64,823 shares), positioning the stock +1.88% above its 50-day simple moving average ($16.45) and +13.63% above its 200-day simple moving average ($14.75). Across its 52-week range of $11.96 to $17.65, FBLA sits at the 84.4% percentile with a 14-day RSI of 49.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.1% ($15.91 to $17.61).

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-) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

FB Bancorp Inc. (FBLA) earns a live Roarable RQD composite score of 42/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $16.76 (+0.36% 1D, market capitalization $266.3M).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 0.4%, gross margin of —, operating margin of —, and free cash flow yield of -1.44%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

FB Bancorp Inc. (FBLA) is a NASDAQ-listed operating company in the Banks industry (Financials sector) with an equity market capitalization of $266.3M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 0.4% (free cash flow yield of -1.44%). Within the Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), FB Bancorp Inc. (FBLA) reported $527.3M in annual revenue (up from $66.5M in FY2024, +693.3% YoY) and $1.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($69.1M revenue, $1.1M net income) through FY2025, FBLA scaled operating cash flow to $2.8M and free cash flow to -$3.9M, backed by $1.26B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 42/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -1.44% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $11.96 – $17.65 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), FBLA carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can FBLA sustain or expand its — operating margin and 0.4% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $527.3M and free cash flow of -$3.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FBLA's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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 $16.76?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FBLA 🐻 33% 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.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $21.71 (+30.0%)
📌 Pinned Debate

Institutional whale 13F flow scores 14 of 20, the strongest pillar in the Roarable RQD rating.

Here is why I am bullish on FBLA here at $16.70: Institutional whale 13F flow scores 14 of 20, the strongest pillar in the Roarable RQD rating.. Compare FBLA's 0.0% operating margin and 0.4% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $15.86 are getting bought.

EarningsSniper 🐂 BULL

Both sides have a point here — FBLA's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $13.03 (-22.0%)
Spot @ $16.70

Free cash flow was negative in all three reported periods and FCF yield stands at -1.44%.

I respect the product at FB Bancorp Inc., but the stock at $16.70 is a different story. Free cash flow was negative in all three reported periods and FCF yield stands at -1.44%.. FCF yield is -1.44% and RQD sits at 42/100 (D-) — why pay up here when you can wait for next quarter's numbers?

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