FB Bancorp, Inc. — Earnings Quality Grade D
FBLA · Financial Services
Significant concerns
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 40 days, change -6 days YoY
AR growth -0.7% vs revenue growth 13.1%
Revenue 13.1%, CFFO 238.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 24.1% vs revenue 13.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.20. Profits backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers 77% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions negative for 3 years
Small-cap context: A single acquisition on a small balance sheet can trip serial-acquirer logic.
Goodwill+Intangibles change -16% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
FB Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25