FB FINANCIAL CORP (FBK)
US30257X1046 - Common Stock
We assign a fundamental rating of 3 out of 10 to FBK. FBK was compared to 412 industry peers in the Banks industry. FBK has a bad profitability rating. Also its financial health evaluation is rather negative. FBK is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FBK had positive earnings in the past year.
In the past year FBK had a positive cash flow from operations.
FBK had positive earnings in each of the past 5 years.
FBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.95%, FBK is in line with its industry, outperforming 59.22% of the companies in the same industry.
FBK has a Return On Equity of 8.27%. This is comparable to the rest of the industry: FBK outperforms 41.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.27% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)10.32%
ROE(5y)9.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FBK has a Profit Margin of 25.18%. This is comparable to the rest of the industry: FBK outperforms 56.31% of its industry peers.
FBK's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for FBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.18% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y30.96%
PM growth 5Y1.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
FBK has less shares outstanding than it did 1 year ago.
FBK has more shares outstanding than it did 5 years ago.
FBK has a worse debt/assets ratio than last year.
2.2 Solvency
FBK has a debt to FCF ratio of 2.05. This is a good value and a sign of high solvency as FBK would need 2.05 years to pay back of all of its debts.
FBK has a Debt to FCF ratio (2.05) which is in line with its industry peers.
FBK has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.27, FBK is in line with its industry, outperforming 44.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 2.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.65%.
The Earnings Per Share has been growing slightly by 0.75% on average over the past years.
Looking at the last year, FBK shows a decrease in Revenue. The Revenue has decreased by -9.37% in the last year.
Measured over the past years, FBK shows a small growth in Revenue. The Revenue has been growing by 7.38% on average per year.
EPS 1Y (TTM)2.65%
EPS 3Y-6.54%
EPS 5Y0.75%
EPS growth Q2Q-4.94%
Revenue 1Y (TTM)-9.37%
Revenue growth 3Y-5.58%
Revenue growth 5Y7.38%
Revenue growth Q2Q-9.04%
3.2 Future
Based on estimates for the next years, FBK will show a small growth in Earnings Per Share. The EPS will grow by 4.40% on average per year.
Based on estimates for the next years, FBK will show a small growth in Revenue. The Revenue will grow by 2.78% on average per year.
EPS Next Y4.78%
EPS Next 2Y4.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.3%
Revenue Next 2Y2.78%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FBK is valuated correctly with a Price/Earnings ratio of 14.13.
FBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 77.18% of the companies in the same industry.
FBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.11.
FBK is valuated correctly with a Price/Forward Earnings ratio of 13.48.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than 68.93% of the companies in the same industry.
FBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 13.48 |
4.2 Price Multiples
FBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.96
PEG (5Y)18.72
EPS Next 2Y4.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 1.78%.
Compared to an average industry Dividend Yield of 3.76, FBK is paying slightly less dividend.
FBK's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
5.2 History
The dividend of FBK is nicely growing with an annual growth rate of 24.89%!
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)24.89%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
23.33% of the earnings are spent on dividend by FBK. This is a low number and sustainable payout ratio.
The dividend of FBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.33%
EPS Next 2Y4.4%
EPS Next 3YN/A
FB FINANCIAL CORP
NYSE:FBK (5/7/2024, 4:05:00 PM)
After market: 38.29 0 (0%)38.29
-0.47 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.80B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 13.48 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)2.96
PEG (5Y)18.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 8.27% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.18% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)2.65%
EPS 3Y-6.54%
EPS 5Y
EPS growth Q2Q
EPS Next Y4.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-9.37%
Revenue growth 3Y-5.58%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y