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FB Bancorp (FBLA) earnings and revenue breakdown
Latest: Q3 2025 · 10-Q filed Nov 12, 2025 · FB Bancorp (FBLA) Q3 2025 earnings results →
Q3 2025 Revenue up 12% year over year to $18.7M · 6¢ of every $1 of revenue kept as net profit · operating margin 7.1%
FB Bancorp made $18.7M in Q3 2025 (+12% Y/Y): Banking Segments $13.7M, Mortgage Banking Segments $5.0M. Operating margin 7.1%, net earnings $1.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 12, 2025.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $18.7M in Q3 2025, up 12% year over year and up 3% from the previous quarter. Banking Segments was the largest line at 73% of revenue. Banking Segments added $2.0M year over year (up 17%), 103% of the total change. Mortgage Banking Segments declined 1%.
Operating profit was $1.3M, a 7.1% margin (up 13.9 points year over year). Total costs fell 3% while revenue rose 12%. Net earnings were $1.1M. The effective tax rate was 19.2%.
Operating cash flow was −$17.0M. Non-cash charges added back $677K of depreciation and amortization. Working capital and other items used $18.7M. Capital expenditures of $1.5M exceeded it, leaving free cash flow of −$18.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2025 | 10-Q | Nov 12, 2025 | $18.7M | +12% | 7.1% | $1.1M | −$17.0M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $18.1M | -0.5% | 6.1% | $879K | −$1.5M |
| Q1 2025 | 10-Q | May 12, 2025 | $17.2M | +10% | 5.1% | $705K | $7.0M |
| Q4 2024 | 10-K | Mar 27, 2025 | $15.9M | +3% | -33.2% | −$5.4M | $10.9M |
Charts
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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FB Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +8%. Operating margin: 7.1% against the peers' median 31.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FBLA FB Bancorp | Q3 2025 | $18.7M | +12% | 7.1% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: FB Bancorp 10-Q on SEC EDGAR · CIK 2013639 · Savings Institutions, Not Federally Chartered
13F: who owns FBLA and who is buying
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History
Every quarter: Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results