Latest Ratios: P/E Ratio 218.9x · EV/EBITDA 34.7x · ROE 0.4%. (2022–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Market Cap | $243M | $234M | $203M | — | — |
| Enterprise Value | $261M | $252M | $177M | — | — |
| P/E Ratio → | 218.90 | 186.77 | — | — | — |
| P/S Ratio | 3.50 | 3.36 | 2.36 | — | — |
| P/B Ratio | 0.87 | 0.74 | 0.62 | — | — |
| P/FCF | — | — | — | — | — |
| P/OCF | 88.25 | 84.79 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| EV / Revenue | — | 3.62 | 2.06 | — | — |
| EV / EBITDA | 34.71 | 33.44 | — | — | — |
| EV / EBIT | 54.28 | 52.30 | — | — | — |
| EV / FCF | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Gross Margin | 71.9% | 71.9% | 75.6% | 86.4% | 97.4% |
| Operating Margin | 6.9% | 6.9% | -7.4% | 1.8% | 3.0% |
| Net Profit Margin | 1.8% | 1.8% | -7.2% | 1.4% | 3.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| ROE | 0.4% | 0.4% | -2.6% | 0.7% | 1.4% |
| ROA | 0.1% | 0.1% | -0.5% | 0.1% | 0.2% |
| ROIC | 0.9% | 0.9% | -1.3% | 0.4% | 0.9% |
| ROCE | 1.2% | 1.2% | -1.6% | 0.5% | 1.0% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.23 | 1.10 | 0.20 |
| Debt / EBITDA | 10.39 | 10.39 | — | 30.64 | 4.10 |
| Net Debt / Equity | — | 0.06 | -0.08 | 0.54 | -0.20 |
| Net Debt / EBITDA | 2.39 | 2.39 | — | 15.14 | -4.18 |
| Debt / FCF | — | — | — | — | -0.68 |
| Interest Coverage | 0.27 | 0.27 | -0.33 | 0.14 | 0.94 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Current Ratio | 0.46 | 0.46 | 0.26 | 0.23 | 0.39 |
| Quick Ratio | 0.46 | 0.46 | 0.26 | 0.23 | 0.39 |
| Cash Ratio | 0.07 | 0.07 | 0.12 | 0.11 | 0.08 |
| Asset Turnover | — | 0.06 | 0.07 | 0.07 | 0.07 |
| Inventory Turnover | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Earnings Yield | 0.5% | 0.5% | — | — | — |
| FCF Yield | — | — | — | — | — |
| Buyback Yield | 9.1% | — | — | — | — |
| Total Shareholder Yield | 9.1% | — | — | — | — |
| Shares Outstanding | — | $18M | $17M | $17M | $17M |
Excessive liquidity deployment risk
Based on recent market data, FBLA trades at a P/B of 0.89, which suggests that investors are currently discounting the bank's book value due to its unproven ability to generate competitive returns on the capital raised during its recent mutual-to-stock conversion process.
The current P/B multiple indicates that the market views FBLA as a commodity balance sheet rather than a premium franchise, likely reflecting skepticism regarding its ability to deploy excess liquidity effectively. This valuation level implies that the market is waiting for a clear demonstration of earnings power before assigning a premium to the bank's tangible book value.
According to quarterly financial reports, FBLA's ROE has struggled to remain positive, frequently hovering near 0.0% to 0.3%, which indicates that the bank's profitability is currently constrained by an inefficient capital structure and a lack of core earnings growth following its public transition.
The DuPont decomposition reveals that the bank's profitability is hampered by low asset utilization and a reliance on a mortgage-centric model that is currently under pressure. Without a significant improvement in NIM or a more aggressive deployment of its $60 million cash position, the bank's ROE is likely to remain suppressed.
As reported in recent filings, FBLA's NIM has remained thin at approximately 0.9% to 1.1%, while the efficiency ratio has frequently exceeded 70%, suggesting that the bank is struggling to manage its fixed-cost structure in a high-interest-rate environment that limits mortgage origination volume.
The persistent pressure on NIM indicates that funding costs are rising faster than the yields on the bank's residential mortgage portfolio. The high efficiency ratio further suggests that the bank's operating expenses are disproportionate to its current revenue generation, warranting concern regarding its long-term operating leverage.
Based on the reported equity-to-assets ratio of 0.24 in 2026Q1, FBLA maintains a fortress-like capital position, yet this surplus capital appears to be a drag on returns rather than a strategic advantage for future growth in the current interest rate environment.
While the high capital adequacy provides a significant buffer against potential credit losses, it also highlights the bank's failure to deploy capital into higher-yielding assets. Investors should monitor whether management continues to prioritize share buybacks over organic loan growth, as this may signal a lack of confidence in the bank's ability to expand its core business.
The P/E ratio of 222.38 is a fundamentally misapplied metric for FBLA, as it obscures the bank's true earnings potential by failing to account for the one-time costs and capital-heavy nature of its recent mutual-to-stock conversion and current liquidity-rich balance sheet.
Using P/E to evaluate a recently converted bank is misleading because it ignores the significant impact of non-recurring expenses and the distortive effect of excess cash on the bottom line. Analysts should instead focus on P/TBV and the trajectory of core NIM to better understand the bank's underlying franchise value.
Includes 30+ ratios · 4 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying FBLA stock.
FB Bancorp, Inc. Common Stock's current P/E ratio is 218.9x. The historical average is 186.8x. This places it at the 100th percentile of its historical range.
FB Bancorp, Inc. Common Stock's current EV/EBITDA is 34.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 33.4x.
FB Bancorp, Inc. Common Stock's return on equity (ROE) is 0.4%. The historical average is -0.0%.
Based on historical data, FB Bancorp, Inc. Common Stock is trading at a P/E of 218.9x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
FB Bancorp, Inc. Common Stock has 71.9% gross margin and 6.9% operating margin.
FB Bancorp, Inc. Common Stock's Debt/EBITDA ratio is 10.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.