FB Bancorp, Inc. Common Stock (FBLA) Stock Analysis & Winston Score

FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank, a Louisiana-chartered mutual savings bank. The bank primarily engages in accepting deposits from the general public and investing those deposits, along with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in its primary market areas. It also originates residential construction loans, commercial real estate loans, commercial loans, home equity loans and lines o

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-16.7% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-81.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

15.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$6M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

FB Bancorp, Inc. Common Stock's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

71.0%

Premium pricing power — 71.0% gross margin

Operating Margin

3.5%

Thin — 3.5% operating margin

ROCE

0.2%

Weak — 0.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-23.4%

Shrinking sales (-23.4% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

-641%

Weak — only -641% of profit becomes cash

FCF Margin

-16.8%

Burning cash (-16.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.32

Conservative — low debt load (0.32)

Interest Cover

0.25x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

430.6x

no trend

Expensive — P/E 430.6

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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