New Risk • May 15
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 6.1% Last year net profit margin: 8.8% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company. Reported Earnings • May 07
First quarter 2026 earnings released: EPS: US$0.03 (vs US$0.038 in 1Q 2025) First quarter 2026 results: EPS: US$0.03 (down from US$0.038 in 1Q 2025). Revenue: US$12.5m (down 26% from 1Q 2025). Net income: US$494.0k (down 30% from 1Q 2025). Profit margin: 4.0% (down from 4.2% in 1Q 2025). The decrease in margin was driven by lower revenue. 공시 • Mar 31
FB Bancorp, Inc., Annual General Meeting, Apr 29, 2026 FB Bancorp, Inc., Annual General Meeting, Apr 29, 2026. Location: the main office of fidelity bank, located at 353 carondelet street, louisiana, new orleans United States Reported Earnings • Mar 27
Full year 2025 earnings released: EPS: US$0.22 (vs US$1.75 loss in FY 2024) Full year 2025 results: EPS: US$0.22 (up from US$1.75 loss in FY 2024). Revenue: US$50.4m (down 22% from FY 2024). Net income: US$3.95m (up US$10.2m from FY 2024). Profit margin: 7.8% (up from net loss in FY 2024). The move to profitability was driven by lower expenses. Net interest margin (NIM): 4.57% (up from 4.36% in FY 2024). Non-performing loans: 2.27% (up from 1.71% in FY 2024). Reported Earnings • Feb 20
Full year 2025 earnings released: EPS: US$0.22 (vs US$1.75 loss in FY 2024) Full year 2025 results: EPS: US$0.22 (up from US$1.75 loss in FY 2024). Revenue: US$50.4m (down 22% from FY 2024). Net income: US$3.95m (up US$10.2m from FY 2024). Profit margin: 7.8% (up from net loss in FY 2024). The move to profitability was driven by lower expenses. Net interest margin (NIM): 4.57% (up from 4.36% in FY 2024). Reported Earnings • Nov 14
Third quarter 2025 earnings released: EPS: US$0.059 (vs US$0.045 loss in 3Q 2024) Third quarter 2025 results: EPS: US$0.059 (up from US$0.045 loss in 3Q 2024). Revenue: US$18.3m (up 11% from 3Q 2024). Net income: US$1.08m (up US$1.98m from 3Q 2024). Profit margin: 5.9% (up from net loss in 3Q 2024). 공시 • Oct 28
FB Bancorp, Inc., Annual General Meeting, Dec 09, 2025 FB Bancorp, Inc., Annual General Meeting, Dec 09, 2025. Location: 353 carondelet street, new orleans, louisiana, United States Reported Earnings • Aug 15
Second quarter 2025 earnings released Second quarter 2025 results: EPS: US$0.048. Revenue: US$17.7m (down 1.5% from 2Q 2024). Net income: US$879.0k (up 3.5% from 2Q 2024). Profit margin: 5.0% (up from 4.7% in 2Q 2024). Reported Earnings • May 14
First quarter 2025 earnings released First quarter 2025 results: EPS: US$0.038. Revenue: US$16.8m (up 9.6% from 1Q 2024). Net income: US$705.0k (up US$1.51m from 1Q 2024). Profit margin: 4.2% (up from net loss in 1Q 2024). Reported Earnings • Apr 01
Full year 2024 earnings released Full year 2024 results: US$1.75 loss per share. Revenue: US$64.9m (down 5.1% from FY 2023). Net loss: US$6.21m (down US$7.33m from profit in FY 2023). Net interest margin (NIM): 4.36% (down from 4.72% in FY 2023). Non-performing loans: 1.71% (up from 1.15% in FY 2023). Reported Earnings • Feb 19
Full year 2024 earnings released Full year 2024 results: US$1.75 loss per share. Revenue: US$64.9m (down 5.1% from FY 2023). Net loss: US$6.21m (down US$7.33m from profit in FY 2023). Net interest margin (NIM): 4.36% (down from 4.72% in FY 2023). Cost-to-income ratio: 107.3% (up from 97.0% in FY 2023). New Risk • Feb 17
New major risk - Revenue and earnings growth Revenue has declined by 3.8% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company. Board Change • Dec 31
High number of new directors There are 7 new directors who have joined the board in the last 3 years. Executive Chairman Katie Crosby was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Recent Insider Transactions • Nov 22
Director recently bought US$61k worth of stock On the 20th of November, Gerard Barousse bought around 5k shares on-market at roughly US$12.21 per share. This transaction amounted to 10.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months. Reported Earnings • Nov 15
Third quarter 2024 earnings released Third quarter 2024 results: US$0.045 loss per share. Net loss: US$895.0k (flat on 3Q 2023). Board Change • Nov 07
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 10 non-independent directors. Director Todd Schexnayder was the last director to join the board, commencing their role in 2021. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.