FB Bancorp, Inc. (FBLA) Fair Value 2026

FBLA · Savings Institutions, Not Federally Chartered ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.6 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (4/100)

Quick Summary — As of 2026-07-15, FB Bancorp, Inc. (FBLA) trades at $15.11, approximately 8% above CirclFi’s Bayesian DCF fair value of $13.97. QOC: 5.6/10. Value Trap Risk: 4/100 (SAFE). 12/13 models active.

Key Facts

Ticker
FBLA
Price
$15.11
Quality Score
5.6/10
Value Trap Risk
4/100
Models Active
12/13
Last Updated
Strength: 12 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is FB Bancorp, Inc. (FBLA) Undervalued or Overvalued in 2026?

According to CirclFi’s 12-model valuation engine, FB Bancorp, Inc. (FBLA) appears overvalued as of : the median of 12 independent fair value estimates is $12.00, 20.6% below the current price of $15.11. Estimates range from $0.46 to $17.13. FBLA scores 5.6/10 on fundamental quality and 4/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy FB Bancorp, Inc. Stock in 2026? →

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($15.11)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $13.97 -7.6%
Earnings Power Value
Medium Conviction
 $1.33 -91.2%
CUCE Ensemble
Low Conviction
 $10.71 -29.1%
First Chicago
Medium Conviction
 $3.17 -79.0%

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What Is FB Bancorp, Inc. (FBLA) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, FB Bancorp, Inc.'s intrinsic value is estimated at $9.93, suggesting the stock is overvalued at its current price of $15.11. With 10 out of 12 models flagging downside (-34.3% average return), the market may be pricing in unsustainable growth. Notably, ML-RIV sees the most upside at +13.3% (fair value: $17.13), while Sentiment SOTP is the most conservative at -97.0% ($0.46). The spread between these extremes — +110.3% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About FBLA?

12 of 13 models are currently active for FBLA. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates FBLA's intrinsic value at $13.97, implying -7.6% downside from the current price. See which stocks rank higher →

How Does FBLA Rank in Savings Institutions, Not Federally Chartered?

Among 21 Savings Institutions, Not Federally Chartered stocks, FBLA ranks #21 by Quality of Company score. CirclFi's QOC score of 5.6/10 evaluates 32 fundamental signals. A score of 5.6 reflects mixed fundamentals.

FB Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is FBLA a Value Trap?

CirclFi's Value Trap algorithm assigns FBLA a score of 4/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for FB Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, FB Bancorp, Inc. is rated at 5.6/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +110.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FBLA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FBLA's 12 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy FB Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Savings Institutions, Not Federally Chartered Stocks Should You Also Analyze?

8 related Savings Institutions, Not Federally Chartered stocks with 13-model coverage

NECBNorthEast Community Bancorp, InQOC 9.5PBFSPioneer Bancorp, Inc.QOC 9.3TCBXThird Coast Bancshares, Inc.QOC 9.1HBCPHome Bancorp, Inc.QOC 8.9GCBCGreene County Bancorp, Inc.QOC 8.8NBBKNB Bancorp, Inc.QOC 8.3SMBCSouthern Missouri Bancorp, Inc.QOC 8.2HFWAHeritage Financial CorporationQOC 8.0

Read investment analysis: NECB · PBFS · TCBX · HBCP · GCBC

Frequently Asked Questions About FB Bancorp, Inc.

What is FB Bancorp, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, FB Bancorp, Inc. (FBLA) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $13.97. The Quality of Company score is 5.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FBLA overvalued or undervalued right now?

At $15.11, 2 of 12 active models suggest FBLA may be undervalued, while 10 indicate potential overvaluation. The median of all 12 fair value estimates is $12.00, 20.6% below the current price of $15.11 — a consensus view that FBLA is overvalued. The assessment depends on which methodology best fits FB Bancorp, Inc.'s business model in Savings Institutions, Not Federally Chartered.

What does a Quality of Company score of 5.6 mean for FBLA?

FB Bancorp, Inc.'s QOC of 5.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on FBLA?

CirclFi analyzes FBLA with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is FBLA a value trap in 2026?

FB Bancorp, Inc.'s Value Trap score is 4/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 12-model valuation engine, FB Bancorp, Inc. (FBLA) has a median fair value of $12.00 — 20.6% below the current price of $15.11 — as of 2026-07-15.” Source: circlfi.com/stock/FBLA/ · Methodology

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