Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FBK have multiple concerns. FBK is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Each year in the past 5 years FBK has been profitable.
FBK had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

FBK has a worse Return On Assets (0.64%) than 69.97% of its industry peers.
FBK's Return On Equity of 5.23% is on the low side compared to the rest of the industry. FBK is outperformed by 75.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.23%
ROIC	N/A

ROA(3y)0.86%

ROA(5y)1.01%

ROE(3y)7.32%

ROE(5y)8.93%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 20.23%, FBK is not doing good in the industry: 66.84% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of FBK has grown nicely.
FBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.23%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.53%

PM growth 5Y14.34%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FBK has been increased compared to 1 year ago.
FBK has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FBK has been reduced compared to a year ago.

2.2 Solvency

FBK has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
FBK's Debt to FCF ratio of 1.80 is in line compared to the rest of the industry. FBK outperforms 50.39% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that FBK is not too dependend on debt financing.
FBK has a better Debt to Equity ratio (0.11) than 65.80% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	1.8
Altman-Z	N/A

ROIC/WACCN/A

WACC15.32%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.47% over the past year.
The Earnings Per Share has been growing slightly by 3.59% on average over the past years.
Looking at the last year, FBK shows a very strong growth in Revenue. The Revenue has grown by 22.92%.
FBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.27% yearly.

EPS 1Y (TTM)16.47%

EPS 3Y14.47%

EPS 5Y3.59%

EPS Q2Q%36.47%

Revenue 1Y (TTM)22.92%

Revenue growth 3Y2.05%

Revenue growth 5Y-0.27%

Sales Q2Q%36.99%

3.2 Future

FBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.50% yearly.
FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.00% yearly.

EPS Next Y19.32%

EPS Next 2Y14.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year31.62%

Revenue Next 2Y19%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.53, which indicates a correct valuation of FBK.
Based on the Price/Earnings ratio, FBK is valued a bit more expensive than the industry average as 66.32% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 28.30. FBK is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 12.18, FBK is valued correctly.
FBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 61.10% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 25.57. FBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.53
Fwd PE	12.18

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than the industry average as 76.24% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	25.98
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FBK's earnings are expected to grow with 14.50% in the coming years.

PEG (NY)0.75

PEG (5Y)4.05

EPS Next 2Y14.5%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 1.47%. Purely for dividend investing, there may be better candidates out there.
FBK's Dividend Yield is slightly below the industry average, which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.82, FBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.47%

5.2 History

On average, the dividend of FBK grows each year by 16.07%, which is quite nice.
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

5.3 Sustainability

FBK pays out 34.45% of its income as dividend. This is a sustainable payout ratio.
FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP34.45%

EPS Next 2Y14.5%

EPS Next 3YN/A

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FB FINANCIAL CORP / FBK FAQ

What is the fundamental rating for FBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to FBK.

Can you provide the valuation status for FB FINANCIAL CORP?

ChartMill assigns a valuation rating of 3 / 10 to FB FINANCIAL CORP (FBK). This can be considered as Overvalued.

How profitable is FB FINANCIAL CORP (FBK) stock?

FB FINANCIAL CORP (FBK) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for FBK stock?

The Price/Earnings (PE) ratio for FB FINANCIAL CORP (FBK) is 14.53 and the Price/Book (PB) ratio is 1.55.

Can you provide the dividend sustainability for FBK stock?

The dividend rating of FB FINANCIAL CORP (FBK) is 5 / 10 and the dividend payout ratio is 34.45%.