FBLA Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

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Price $16.96
Market Cap (MRQ) $273M
P/E 242.3
EPS $0.07
Revenue $66M
ROE 0.39%
52W Range $12–$17

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10-Year Performance Revenue, net income, margins and EPS trends

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Revenue$66M
2023-12-31 → 2024-12-31
EPS$0.07
2024-12-31 → 2025-12-31
Free Cash Flow$-4M
2024-12-31 → 2025-12-31
Net margin2.4%
2024-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FBLA 5Y avg Peer Median Verdict
P/E 242.3 · · ·
P/B (MRQ) 1.0 · 1.1 Undervalued
Price / FCF (TTM) 11.9 · · ·
Price / Cash Flow (TTM) 10.9 · 10.4 Overvalued
Price / Tangible Book 1.0 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Next Report Nov 10, 2026

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 11
Metric Trend 202520242023
Revenue ·$66M$69M
SG&A Expense $6M$5M$9M
Interest Income $66M$61M$54M
Pretax Income $5M$2M$1M
Income Tax $870.0K$195.0K$330.0K
Net Income $1M$-6M$1M
EPS (Basic) $0.07$-1.74·
EPS (Diluted) $0.07$-1.74·
Shares (Basic) 18,198,1523,561,8940
Shares (Diluted) 18,198,1523,561,894·
EBITDA $3M$3M·
Balance Sheet 13
Metric Trend 202520242023
Cash & Equivalents $60M$99M$87M
PP&E (Net) $57M$53M$51M
PP&E (Gross) $93M$86M$82M
Accum. Depreciation $36M$33M$31M
Goodwill ·$0$6M
Total Assets $1.26B$1.22B$1.12B
Total Liabilities $941M$895M$968M
Common Stock $181.0K$198.0K·
Retained Earnings $167M$166M$172M
AOCI $-8M$-16M$-15M
Stockholders' Equity $314M$326M$157M
Liabilities + Equity $1.26B$1.22B$1.12B
Shares Outstanding 18,089,74119,837,5000
Cash Flow 14
Metric Trend 202520242023
D&A $3M$3M$2M
Stock-based Comp $45.0K··
Deferred Tax $-290.0K$12.0K$-916.0K
Other Non-cash $-965.0K$-185.0K·
Operating Cash Flow $3M$814.0K$-7M
CapEx $7M$5M$7M
Investing Cash Flow $-65M$-92M$-84M
Stock Issued ·$188M·
Stock Repurchased $22M··
Net Stock Activity $-22M$188M·
Financing Cash Flow $23M$103M$117M
Net Change in Cash $-39M$12M$26M
Taxes Paid $3.0K$1M·
Free Cash Flow $-4M$-9M·
Profitability 5
Metric Trend 202520242023
Net Margin 2.4%-9.3%·
Pretax Margin 9.2%-9.6%·
EBITDA Margin 5.2%3.8%·
ROA 0.10%-0.47%·
ROE 0.39%-2.5%·
Efficiency 1
Metric Trend 202520242023
Asset Turnover 0.00.1·
Per Share 5
Metric Trend 202520242023
Book Value / Share $17.38$16.45·
Revenue / Share $2.87$18.66·
Cash Flow / Share $0.15$-1.12·
Cash / Share $3.33$4.98·
EPS (TTM) $0.07$-1.74·
Growth Rates 1
Metric Trend 202520242023
Revenue YoY ·-3.8%·
Valuation (TTM) 10
Metric Trend 202520242023
Revenue TTM ·$66M·
Net Income TTM $1M$-6M·
Market Cap $232M$236M·
P/E 183.6-6.9·
P/S ·3.6·
P/B 0.70.7·
P / Tangible Book 0.70.7·
P / Cash Flow 84.3-59.4·
P / FCF -59.6-25.7·
Earnings Yield 0.54%-14.6%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312024-09-302024-06-302024-03-31
Revenue · $66M · · ·
Net Income $1M $-6M · · ·
Diluted EPS $0.07 $-1.74 · · ·

Institutional owners (13F) 90 filers · $114.0M total · As of June 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 90
Value held $114.0M
New positions 17
Exited positions 7
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
17 (+1 vs prior Q) 7 (0 vs prior Q) 41 (+13 vs prior Q) 16 (-8 vs prior Q) +667K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $18,939,698 1,257,616 16.61% Shares
VANGUARD GROUP INC $13,963,530 1,086,656 12.24% Shares
ALLIANCEBERNSTEIN L.P. $12,164,970 885,369 10.67% Shares
VANGUARD CAPITAL MANAGEMENT LLC $9,660,614 641,475 8.47% Shares
GEODE CAPITAL MANAGEMENT, LLC $7,167,786 475,855 6.29% Shares
RENAISSANCE TECHNOLOGIES LLC $4,502,533 298,973 3.95% Shares
STATE STREET CORP $3,965,900 263,340 3.48% Shares
MORGAN STANLEY $3,737,801 248,194 3.28% Shares
TWO SIGMA INVESTMENTS, LP $3,547,775 235,576 3.11% Shares
DIMENSIONAL FUND ADVISORS LP $3,022,754 200,705 2.65% Shares
PANAGORA ASSET MANAGEMENT INC $2,597,504 172,477 2.28% Shares
GOLDMAN SACHS GROUP INC $2,530,020 167,996 2.22% Shares
MANGROVE PARTNERS IM, LLC $2,168,941 144,020 1.90% Shares
NORTHERN TRUST CORP $1,926,053 127,892 1.69% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,858,434 123,402 1.63% Shares
Qube Research & Technologies Ltd $1,790,754 118,908 1.57% Shares
VANGUARD FIDUCIARY TRUST CO $1,583,830 105,168 1.39% Shares
RAFFLES ASSOCIATES LP $1,462,311 97,099 1.28% Shares
Peapod Lane Capital LLC $1,349,361 89,599 1.18% Shares
BANK OF AMERICA CORP /DE/ $1,056,444 70,149 0.93% Shares
D. E. Shaw & Co., Inc. $945,196 62,762 0.83% Shares
AQR CAPITAL MANAGEMENT LLC $888,706 59,011 0.78% Shares
MALTESE CAPITAL MANAGEMENT LLC $865,951 57,500 0.76% Shares
Schonfeld Strategic Advisors LLC $859,518 57,073 0.75% Shares
GARDNER RUSSO & QUINN LLC $753,000 50,000 0.66% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $736,554 48,908 0.65% Shares
CITADEL ADVISORS LLC $675,004 44,821 0.59% Shares
STRS OHIO $665,652 44,200 0.58% Shares
Bank of New York Mellon Corp $627,683 41,679 0.55% Shares
JPMORGAN CHASE & CO $497,153 32,837 0.44% Shares
BNP PARIBAS FINANCIAL MARKETS $472,703 31,388 0.41% Shares
CITIGROUP INC $465,685 30,922 0.41% Shares
NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO $451,800 30,000 0.40% Shares
Russell Investments Group, Ltd. $395,897 26,288 0.35% Shares
MARSHALL WACE, LLP $363,127 24,112 0.32% Shares
AMERICAN CENTURY COMPANIES INC $339,317 22,531 0.30% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $306,621 20,360 0.27% Shares
Focus Partners Advisor Solutions, LLC $305,628 20,294 0.27% Shares
Sequoia Financial Advisors, LLC $304,875 20,244 0.27% Shares
Nuveen, LLC $301,848 20,043 0.26% Shares
STILWELL VALUE LLC $301,200 20,000 0.26% Shares
UBS Group AG $295,778 19,640 0.26% Shares
Odyssean, LLC $286,426 19,019 0.25% Shares
Mariner, LLC $256,989 17,064 0.23% Shares
WINTON GROUP Ltd $252,255 16,750 0.22% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $248,490 16,500 0.22% Shares
DEUTSCHE BANK AG\ $211,247 14,027 0.19% Shares
FRANKLIN RESOURCES INC $208,686 13,857 0.18% Shares
WELLS FARGO & COMPANY/MN $201,578 13,385 0.18% Shares
RHUMBLINE ADVISERS $195,263 12,966 0.17% Shares

Show all 90 institutional owners →

Company insiders 14 insiders · 6 officers · 10 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Christopher S Ferris President and CEO March 25, 2026 A 125,474 1 0 $2,466
Todd M Wanner Chief Financial Officer May 11, 2026 P 63,476 3 0 $4,011
Randall L Baker Chief Operating Officer March 25, 2026 A 40,000 0 1 $-3,427
Josh C Folds Chief Banking Officer June 22, 2026 S 30,746 0 1 $-16,150
Katherine A Crosby Chairman of the Board April 29, 2026 A 77,794 0 0 $0
Patrick L Griggs Chief Risk/Credit Officer March 25, 2026 A 45,000 0 0 $0
William Anderson Baker III Director Dec. 10, 2025 A 79,756 0 0 $0
Jose Luis Banos Jr Director Dec. 10, 2025 A 45,756 0 0 $0
Todd G Schexnayder Director Dec. 10, 2025 A 29,756 0 0 $0
Stephen W Hales Director Dec. 10, 2025 A 79,756 0 0 $0
Winifred M Beron Director Dec. 10, 2025 A 99,756 0 0 $0
Gerard W Barousse Jr Director Dec. 10, 2025 A 79,756 0 0 $0
Mark C Romig Director Dec. 10, 2025 A 29,756 0 0 $0
Mahlon D Sanford Director Dec. 10, 2025 A 59,756 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 19 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.06% 54,158 SH Sept. 11, 2026 Daily
VFMV · VANGUARD WELLINGTON FUND 0.06% 16,664 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 13,941 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 91,351 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 1,454 SH Oct. 2, 2026 Daily
PKW · Invesco Exchange-Traded Fund Trust 0.01% 8,663 SH Oct. 2, 2026 Daily
IWM · iShares Trust 0.01% 397,399 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 7,642 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.01% 56,096 NS July 31, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.01% 27,098 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.01% 1,768 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 874 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 1,159 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 2,605 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 2,915 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 189,499 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 438,328 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 1,446 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 162,857 SH Sept. 11, 2026 Daily

Peer comparison (GICS sub-industry) Key metrics vs sector peers

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FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FBLA $232M 183.6 -3.8% 2.4% 0.39% ·
ATLO $203M 15.6 21.9% 28.5% 9.5% ·
FRAF $225M 10.6 24.8% 23.9% 12.8% ·
FUNC $243M 9.9 4.0% 133.1% 12.4% ·
NKSH $214M 13.5 9.8% 193.6% 8.9% ·
LCNB $233M 10.1 13.3% 25.1% 8.6% ·
FXNC $228M 12.9 0.76% 123.9% 9.8% ·
HWBK $241M 10.2 10.0% 29.7% 14.4% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

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Source: SEC 10-Q filed Aug 13, 2026