FB Bancorp, Inc. (FBLA) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of FB Bancorp, Inc. stock $15.68, price $16.91, upside -7.3%, quality 40 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 23, 2026.
How to read this chart
24‑month range $10.11 – $17.29 · fair‑value band $11.76 – $19.60 · the $16.91 price screens above the $15.68 fair value. Dashed = 300-day average. As of Oct 23, 2026.
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FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank that provides various banking products and services primarily for individuals, businesses, and communities.
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The company offers various deposit products, including NOW accounts, savings accounts, money market accounts, and certificate of deposit accounts.
It also provides residential mortgage loans; residential construction loans; commercial real estate loans, which includes commercial mortgage, commercial construction, and land development loans; commercial loans, such as commercial and industrial, small business, and other commercial loans not secured by real estate; home equity loans and lines of credit; and consumer loans.
In addition, the company invests in securities, which consists primarily of mortgage-backed securities and obligations issued by U.S. government sponsored enterprises. FB Bancorp, Inc. was founded in 1908 and is headquartered in New Orleans, Louisiana.
Stock analysis
FB Bancorp, Inc. (FBLA) currently trades at $16.91, while our model-based Fair Value estimate is $15.68, so the stock looks roughly fairly valued today (gap 7.8%).
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Valuation
Bull case: the Asset-Based group reads highest at a median of $14.47 per share, and 1 of the 6 models we run sit above the $16.91 price.
Bear case: the Economic Profit group reads lowest at $11.94, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $11.76 (bear) to $19.60 (bull), the price of $16.91 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
FB Bancorp, Inc. Common Stock reported revenue of $69.6M in FY2025 versus $71.3M in FY2022, a compound −0.8%/yr. Reported net income was $1.3M in FY2025, compounding −15.9%/yr from FY2022.
Key figures
Market cap $252M Micro · P/E ratio 99.5 · P/S ratio 1.79 · EPS (TTM) $0.1700 · Dividend yield 0.1% · Net margin 1.8% · Return on equity 0.9% · Return on assets (EBIT) 0.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 21 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −7%, FBLA screens cheaper than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.1000 to $30.23). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear$11.76Fair Value $15.68Bull$19.60
Price $16.91 · Upside -7.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1383 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.17/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−19.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.8%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+48.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+48.8%
Dividend (yield on the price)0.1%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 7%
Compare FB Bancorp, Inc. Common Stock with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1050 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside−6.3% · Above median
Profitability
Return on equity (12 months)0.9% · Bottom 25%
Return on assets0.1% · Bottom 25%
Net margin (12 months)−0.6% · Bottom 25%
Operating margin (12 months)4.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)8.4% · Below median
Dividend yield (12 months)0.1% · Bottom 25%
Balance sheet
Debt / equity0.25× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "FB Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/FBLA
Frequently asked questions
Is FB Bancorp, Inc. (FBLA) overvalued or undervalued?
As of Oct 23, 2026, our model estimates a fair value of $15.68 versus a price of $16.91, about −7% upside (fairly valued).
What is the fair value of FBLA?
Our model-based fair value for FB Bancorp, Inc. Common Stock is $15.68 (as of Oct 23, 2026), built from audited fundamentals. The current price: $16.91.
What is the quality score of FBLA?
FB Bancorp, Inc. Common Stock has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FB Bancorp, Inc. (FBLA)?
Our model-based price target is the fair value of $15.68 (as of Oct 23, 2026) from 6 valuation models. Cautious scenario $11.76, optimistic scenario $19.60. It is a calculation from audited fundamentals, not an analyst target.
What is the FB Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $15.68, about −7% upside versus a price of $16.91 (fairly valued). Cautious scenario $11.76, optimistic scenario $19.60. The calculation is refreshed regularly with new filings.
What is the revenue of FB Bancorp, Inc. (FBLA)?
FB Bancorp, Inc. Common Stock reported trailing-twelve-month revenue of about $51.4M (latest available figure, as of Oct 23, 2026).
Does FB Bancorp, Inc. Common Stock pay a dividend?
FB Bancorp, Inc. Common Stock currently shows a dividend yield of 0.08% relative to its recent price (as of Oct 23, 2026).
What is the intrinsic value of FB Bancorp, Inc. (FBLA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FB Bancorp, Inc. Common Stock it is $15.68 per share (as of Oct 23, 2026), against a price of $16.91. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is FB Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Oct 23, 2026, FBLA trades above its calculated fair value: price $16.91, fair value $15.68, a gap of about −7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FBLA?
No. The price is what the market pays today ($16.91); the fair value is what the company's own numbers justify ($15.68). For FB Bancorp, Inc. Common Stock the two are $1.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is FB Bancorp, Inc. Common Stock worth?
The market values FB Bancorp, Inc. Common Stock at about $252M (market capitalisation, as of Oct 23, 2026). Per share that is $16.91; our models calculate a fair value of $15.68 per share.
What do the bullish and bearish scenarios say about FBLA?
Our models span a range for FB Bancorp, Inc. Common Stock: cautious scenario $11.76, base $15.68, optimistic $19.60 per share (as of Oct 23, 2026, price $16.91). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FBLA?
FB Bancorp, Inc. Common Stock trades at a price-to-earnings ratio of 99.5 (as of Oct 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.68 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 65.0 (reported for FY2025: 241.6). Other multiples: P/B 0.8, P/S 4.9, EV/EBITDA 12.6.
How solid is the balance sheet of FB Bancorp, Inc. (FBLA)?
Balance-sheet figures for FB Bancorp, Inc. Common Stock (as of Oct 23, 2026): return on equity 0.9%, debt of 0.25 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is FBLA from its 52-week high?
FB Bancorp, Inc. Common Stock trades at $16.91, about 2% below its 52-week high of $17.29 and 41% above the low of $11.96 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of $15.68 is for.
Which stocks are comparable to FB Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FB Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Oct 23, 2026: price $16.91, calculated fair value $15.68 (−7%), Quality Score 40/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FBLA calculated?
We run FB Bancorp, Inc. Common Stock through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $15.68, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.3 % above its aggregate fair value. FB Bancorp, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FB Bancorp, Inc. (FBLA)?
The closing price on Oct 23, 2026 was $16.91. Our model-based fair value is $15.68, about −7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FB Bancorp, Inc. Common Stock right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of FB Bancorp, Inc. Common Stock
How large is the market capitalisation of FB Bancorp, Inc. (FBLA)?
The market capitalisation of FB Bancorp, Inc. Common Stock is $252M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FB Bancorp, Inc. (FBLA)?
The price-to-sales ratio of FB Bancorp, Inc. Common Stock is 1.79 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FB Bancorp, Inc. (FBLA)?
Earnings per share at FB Bancorp, Inc. Common Stock are $0.1700 (price ÷ EPS = P/E 99.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FB Bancorp, Inc. (FBLA)?
The dividend yield of FB Bancorp, Inc. Common Stock is 0.1% (payout 8.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of FB Bancorp, Inc. (FBLA)?
The net margin of FB Bancorp, Inc. Common Stock is 1.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FB Bancorp, Inc. (FBLA)?
The return on equity (ROE) of FB Bancorp, Inc. Common Stock is 0.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FB Bancorp, Inc. (FBLA)?
On an EBIT basis the return on assets of FB Bancorp, Inc. Common Stock is 0.1% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FB Bancorp, Inc. (FBLA)?
The operating margin of FB Bancorp, Inc. Common Stock is 4.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FB Bancorp, Inc. (FBLA)?
Revenue at FB Bancorp, Inc. Common Stock is growing +8.4% versus a year earlier (3y avg −0.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FB Bancorp, Inc. (FBLA)?
Earnings per share at FB Bancorp, Inc. Common Stock are growing −81.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FB Bancorp, Inc. (FBLA) generate?
The free cash flow of FB Bancorp, Inc. Common Stock is −$3.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does FB Bancorp, Inc. (FBLA) carry?
The net debt of FB Bancorp, Inc. Common Stock is $18.0M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 23, 2026