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FB FINANCIAL CORP (FBK) Stock Fundamental Analysis

NYSE:FBK - US30257X1046 - Common Stock

53.68 USD
-0.24 (-0.45%)
Last: 8/29/2025, 8:19:39 PM
53.68 USD
0 (0%)
After Hours: 8/29/2025, 8:19:39 PM
Fundamental Rating

4

FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. FBK has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, FBK is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FBK was profitable.
In the past year FBK had a positive cash flow from operations.
FBK had positive earnings in each of the past 5 years.
Of the past 5 years FBK 4 years had a positive operating cash flow.
FBK Yearly Net Income VS EBIT VS OCF VS FCFFBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

1.2 Ratios

FBK has a worse Return On Assets (0.68%) than 63.61% of its industry peers.
With a Return On Equity value of 5.61%, FBK is not doing good in the industry: 72.26% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.68%
ROE 5.61%
ROIC N/A
ROA(3y)0.94%
ROA(5y)0.98%
ROE(3y)8.36%
ROE(5y)8.66%
ROIC(3y)N/A
ROIC(5y)N/A
FBK Yearly ROA, ROE, ROICFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

FBK has a Profit Margin of 21.14%. This is comparable to the rest of the industry: FBK outperforms 41.22% of its industry peers.
FBK's Profit Margin has improved in the last couple of years.
FBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.32%
PM growth 5Y1.99%
GM growth 3YN/A
GM growth 5YN/A
FBK Yearly Profit, Operating, Gross MarginsFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FBK has less shares outstanding
The number of shares outstanding for FBK has been increased compared to 5 years ago.
Compared to 1 year ago, FBK has an improved debt to assets ratio.
FBK Yearly Shares OutstandingFBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
FBK Yearly Total Debt VS Total AssetsFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of FBK is 1.38, which is an excellent value as it means it would take FBK, only 1.38 years of fcf income to pay off all of its debts.
FBK's Debt to FCF ratio of 1.38 is fine compared to the rest of the industry. FBK outperforms 63.10% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that FBK is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, FBK is doing good in the industry, outperforming 69.97% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACCN/A
WACC15.68%
FBK Yearly LT Debt VS Equity VS FCFFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBK Yearly Current Assets VS Current LiabilitesFBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.86% over the past year.
The Earnings Per Share has been growing slightly by 3.74% on average over the past years.
FBK shows a decrease in Revenue. In the last year, the revenue decreased by -7.28%.
FBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.74% yearly.
EPS 1Y (TTM)19.86%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%4.76%
Revenue 1Y (TTM)-7.28%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%-40.06%

3.2 Future

Based on estimates for the next years, FBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.05% on average per year.
Based on estimates for the next years, FBK will show a very strong growth in Revenue. The Revenue will grow by 20.18% on average per year.
EPS Next Y10.76%
EPS Next 2Y16.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.8%
Revenue Next 2Y20.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FBK Yearly Revenue VS EstimatesFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
FBK Yearly EPS VS EstimatesFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

FBK is valuated correctly with a Price/Earnings ratio of 15.60.
Compared to the rest of the industry, the Price/Earnings ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 68.45% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.08. FBK is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.72 indicates a reasonable valuation of FBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 62.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, FBK is valued a bit cheaper.
Industry RankSector Rank
PE 15.6
Fwd PE 11.72
FBK Price Earnings VS Forward Price EarningsFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 73.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 24.19
EV/EBITDA N/A
FBK Per share dataFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

FBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FBK's earnings are expected to grow with 16.05% in the coming years.
PEG (NY)1.45
PEG (5Y)4.17
EPS Next 2Y16.05%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.51%, FBK has a reasonable but not impressive dividend return.
FBK's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to the average S&P500 Dividend Yield of 2.34, FBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

The dividend of FBK is nicely growing with an annual growth rate of 16.07%!
FBK has paid a dividend for at least 10 years, which is a reliable track record.
As FBK did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)16.07%
Div Incr Years6
Div Non Decr Years6
FBK Yearly Dividends per shareFBK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

FBK pays out 36.99% of its income as dividend. This is a sustainable payout ratio.
The dividend of FBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.99%
EPS Next 2Y16.05%
EPS Next 3YN/A
FBK Yearly Income VS Free CF VS DividendFBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M
FBK Dividend Payout.FBK Dividend Payout, showing the Payout Ratio.FBK Dividend Payout.PayoutRetained Earnings

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FB FINANCIAL CORP

NYSE:FBK (8/29/2025, 8:19:39 PM)

After market: 53.68 0 (0%)

53.68

-0.24 (-0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-14 2025-07-14/amc
Earnings (Next)10-13 2025-10-13/amc
Inst Owners58.35%
Inst Owner Change-2.64%
Ins Owners1.85%
Ins Owner Change0.26%
Market Cap2.89B
Analysts82
Price Target58.96 (9.84%)
Short Float %2.32%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP36.99%
Div Incr Years6
Div Non Decr Years6
Ex-Date08-12 2025-08-12 (0.19)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.08%
Min EPS beat(2)-0.99%
Max EPS beat(2)0.83%
EPS beat(4)3
Avg EPS beat(4)1.99%
Min EPS beat(4)-0.99%
Max EPS beat(4)7.33%
EPS beat(8)6
Avg EPS beat(8)0.85%
EPS beat(12)9
Avg EPS beat(12)1.38%
EPS beat(16)12
Avg EPS beat(16)0.69%
Revenue beat(2)0
Avg Revenue beat(2)-23.06%
Min Revenue beat(2)-44.23%
Max Revenue beat(2)-1.88%
Revenue beat(4)0
Avg Revenue beat(4)-19.62%
Min Revenue beat(4)-44.23%
Max Revenue beat(4)-1.56%
Revenue beat(8)1
Avg Revenue beat(8)-13.14%
Revenue beat(12)1
Avg Revenue beat(12)-10.38%
Revenue beat(16)3
Avg Revenue beat(16)-7.79%
PT rev (1m)0%
PT rev (3m)4.71%
EPS NQ rev (1m)4.97%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)2.56%
EPS NY rev (3m)2.84%
Revenue NQ rev (1m)0.71%
Revenue NQ rev (3m)18.46%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 15.6
Fwd PE 11.72
P/S 6.76
P/FCF 24.19
P/OCF 22.72
P/B 1.79
P/tB 2.39
EV/EBITDA N/A
EPS(TTM)3.44
EY6.41%
EPS(NY)4.58
Fwd EY8.53%
FCF(TTM)2.22
FCFY4.13%
OCF(TTM)2.36
OCFY4.4%
SpS7.94
BVpS29.92
TBVpS22.48
PEG (NY)1.45
PEG (5Y)4.17
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 5.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.14%
GM N/A
FCFM 27.95%
ROA(3y)0.94%
ROA(5y)0.98%
ROE(3y)8.36%
ROE(5y)8.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.32%
PM growth 5Y1.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.38
Debt/EBITDA N/A
Cap/Depr 53.14%
Cap/Sales 1.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 132.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.68%
ROIC/WACCN/A
Cap/Depr(3y)88.11%
Cap/Depr(5y)70.86%
Cap/Sales(3y)2.56%
Cap/Sales(5y)1.96%
Profit Quality(3y)299.23%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.86%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%4.76%
EPS Next Y10.76%
EPS Next 2Y16.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.28%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%-40.06%
Revenue Next Year18.8%
Revenue Next 2Y20.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-65.6%
FCF growth 3Y39.42%
FCF growth 5Y18.29%
OCF growth 1Y-65.36%
OCF growth 3Y36.23%
OCF growth 5Y16.78%