FB Bancorp (FBLA) Cash Flow: Operating & Free Cash Flow

FB Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for FB Bancorp, Inc. (FBLA) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022
Operating Activities
Net Income	3.95	-6.21	1.12	2.11
Depreciation & Amortization	2.72	3.04	4.17	5.23
Deferred Income Tax	-0.29	-0.12	-0.92	0.39
Stock Based Compensation	0.05	0.77	0.00	0.00
Change in Working Capital	4.08	-1.06	-0.21	-6.63
Change in Other Working Capital	4.08	-1.06	7.09	-6.63
Other Operating Activities	-7.73	-0.40	7.09	46.14
Net Cash from Operating Activities	2.76	-3.98	-7.00	47.25
Investing Activities
Capital Expenditures	-6.66	-5.22	-7.03	-2.43
Purchases of Investments	-112.33	-35.42	-17.30	-252.83
Sales/Maturities of Investments	42.90	41.28	42.84	33.95
Other Investing Activities	4.69	-88.21	-102.61	-11.56
Net Cash from Investing Activities	-64.74	-87.58	-84.10	-232.87
Financing Activities
Debt Repayment	4.76	-98.70	142.10	-17.60
Common Stock Issued	0.00	187.85	0.00	0.00
Common Stock Repurchased	-22.16	-12.07	0.00	0.00
Dividends Paid	-0.20	0.00	0.00	0.00
Other Financing Activities	41.01	26.22	-2.38	-39.26
Net Cash from Financing Activities	23.41	103.30	117.48	-56.86
Summary
Net Change in Cash	-38.58	11.74	26.37	-242.47
Cash at Beginning of Period	98.85	87.11	60.74	303.21
Cash at End of Period	60.27	98.85	87.11	60.74
Free Cash Flow	-3.90	-9.21	-14.04	44.82
Supplemental Disclosures
Interest Paid	-	19.58	9.63	2.24
Income Taxes Paid	-	1.24	-	0.05

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About FB Bancorp Cash Flow

What is FB Bancorp's free cash flow?

FB Bancorp had negative free cash flow of $3.90M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $2.76M minus $6.66M of capital expenditures.

How much does FB Bancorp spend on capital expenditures?

FB Bancorp spent $6.66M on capital expenditures in fiscal 2025, compared with $5.22M a year earlier. That equals 241.4% of operating cash flow.

Does FB Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 FB Bancorp returned $199.00K in dividends and $22.16M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition