Filing Flows › FB Bancorp (FBLA) › Q3 2025
FB Bancorp (FBLA) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 12, 2025
FB Bancorp (FBLA) reported revenue of $18.7M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +3% from the quarter before. Operating margin was 7.1%, net earnings $1.1M (5.8% of revenue).
FB Bancorp, Q3 2025: revenue $18.7M (+12% year over year), operating margin 7.1%, net earnings $1.1M, operating cash flow −$17.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $18.7M | +3% | +12% |
| Operating profit | $1.3M | +22% | — |
| Net earnings | $1.1M | +23% | — |
| Operating cash flow | −$17.0M | — | — |
What changed
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.
Questions
What was FB Bancorp's revenue in the third quarter 2025?
FB Bancorp (FBLA) reported revenue of $18.7M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +3% from the quarter before.
Was FB Bancorp profitable in the third quarter 2025?
Operating profit was $1.3M (7.1% of revenue) and net earnings $1.1M.
Source: FB Bancorp 10-Q on SEC EDGAR.