FB FINANCIAL CORP (FBK) Fundamental Analysis & Valuation

NYSE:FBK • US30257X1046

Current stock price

54.095 USD
+0.52 (+0.96%)
Last:

This FBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FBK Profitability Analysis

1.1 Basic Checks

  • FBK had positive earnings in the past year.
  • In the past year FBK had a positive cash flow from operations.
  • In the past 5 years FBK has always been profitable.
  • FBK had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

1.2 Ratios

  • With a Return On Assets value of 0.75%, FBK is not doing good in the industry: 69.68% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 6.29%, FBK is doing worse than 75.27% of the companies in the same industry.
Industry RankSector Rank
ROA 0.75%
ROE 6.29%
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
FBK Yearly ROA, ROE, ROICFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FBK has a worse Profit Margin (21.90%) than 67.29% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 21.9%
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
FBK Yearly Profit, Operating, Gross MarginsFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. FBK Health Analysis

2.1 Basic Checks

  • FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FBK has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FBK has more shares outstanding
  • Compared to 1 year ago, FBK has an improved debt to assets ratio.
FBK Yearly Shares OutstandingFBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
FBK Yearly Total Debt VS Total AssetsFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of FBK is 1.45, which is an excellent value as it means it would take FBK, only 1.45 years of fcf income to pay off all of its debts.
  • FBK has a Debt to FCF ratio (1.45) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that FBK is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.11, FBK is doing good in the industry, outperforming 63.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC17.47%
FBK Yearly LT Debt VS Equity VS FCFFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.41% over the past year.
  • FBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.59% yearly.
  • The Revenue has grown by 25.67% in the past year. This is a very strong growth!
  • Measured over the past years, FBK shows a decrease in Revenue. The Revenue has been decreasing by -0.27% on average per year.
EPS 1Y (TTM)24.41%
EPS 3Y14.47%
EPS 5Y3.59%
EPS Q2Q%31.76%
Revenue 1Y (TTM)25.67%
Revenue growth 3Y2.05%
Revenue growth 5Y-0.27%
Sales Q2Q%31.89%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.05% on average over the next years. This is quite good.
  • Based on estimates for the next years, FBK will show a quite strong growth in Revenue. The Revenue will grow by 18.25% on average per year.
EPS Next Y21.34%
EPS Next 2Y15.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.43%
Revenue Next 2Y18.25%
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 accelerating: in the next years the growth will be better than in the last years.
FBK Yearly Revenue VS EstimatesFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3 4 5

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4

4. FBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.79, FBK is valued correctly.
  • FBK's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.42. FBK is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.32 indicates a reasonable valuation of FBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FBK is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.29, FBK is valued rather cheaply.
Industry RankSector Rank
PE 12.79
Fwd PE 10.32
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

  • Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than 73.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.92
EV/EBITDA N/A
FBK Per share dataFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • FBK's earnings are expected to grow with 15.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)3.56
EPS Next 2Y15.05%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.55%, FBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, FBK is paying slightly less dividend.
  • FBK's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.55%

5.2 History

  • The dividend of FBK is nicely growing with an annual growth rate of 15.99%!
  • 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)15.99%
Div Incr Years7
Div Non Decr Years7
FBK Yearly Dividends per shareFBK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 30.90% 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.
DP30.9%
EPS Next 2Y15.05%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M
FBK Dividend Payout.FBK Dividend Payout, showing the Payout Ratio.FBK Dividend Payout.PayoutRetained Earnings

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FBK Fundamentals: All Metrics, Ratios and Statistics

FB FINANCIAL CORP

NYSE:FBK (4/27/2026, 9:48:04 AM)

54.095

+0.52 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-13
Earnings (Next)07-13
Inst Owners81.28%
Inst Owner Change0.01%
Ins Owners2.16%
Ins Owner Change0.05%
Market Cap2.78B
Revenue(TTM)601.68M
Net Income(TTM)122.62M
Analysts78.18
Price Target67.92 (25.56%)
Short Float %4.1%
Short Ratio5.84
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend0.77
Dividend Growth(5Y)15.99%
DP30.9%
Div Incr Years7
Div Non Decr Years7
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.2%
Min EPS beat(2)3.07%
Max EPS beat(2)11.32%
EPS beat(4)3
Avg EPS beat(4)3.56%
Min EPS beat(4)-0.99%
Max EPS beat(4)11.32%
EPS beat(8)7
Avg EPS beat(8)6.64%
EPS beat(12)10
Avg EPS beat(12)3.58%
EPS beat(16)12
Avg EPS beat(16)-0.94%
Revenue beat(2)2
Avg Revenue beat(2)1.51%
Min Revenue beat(2)0.47%
Max Revenue beat(2)2.54%
Revenue beat(4)2
Avg Revenue beat(4)-10.78%
Min Revenue beat(4)-44.23%
Max Revenue beat(4)2.54%
Revenue beat(8)3
Avg Revenue beat(8)-10.53%
Revenue beat(12)3
Avg Revenue beat(12)-9.09%
Revenue beat(16)3
Avg Revenue beat(16)-8.11%
PT rev (1m)-0.25%
PT rev (3m)2.17%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)0.87%
EPS NY rev (1m)0%
EPS NY rev (3m)1.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)-1.27%
Revenue NY rev (3m)-0.91%
Valuation
Industry RankSector Rank
PE 12.79
Fwd PE 10.32
P/S 4.97
P/FCF 18.92
P/OCF 17.85
P/B 1.43
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)4.23
EY7.82%
EPS(NY)5.24
Fwd EY9.69%
FCF(TTM)2.86
FCFY5.29%
OCF(TTM)3.03
OCFY5.6%
SpS10.89
BVpS37.89
TBVpS27.57
PEG (NY)0.6
PEG (5Y)3.56
Graham Number60.0493 (11.01%)
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 6.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.9%
GM N/A
FCFM 26.25%
ROA(3y)0.86%
ROA(5y)1.01%
ROE(3y)7.32%
ROE(5y)8.93%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.45
Debt/EBITDA N/A
Cap/Depr 51%
Cap/Sales 1.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.47%
ROIC/WACCN/A
Cap/Depr(3y)77.07%
Cap/Depr(5y)71.85%
Cap/Sales(3y)2.42%
Cap/Sales(5y)2.06%
Profit Quality(3y)130.87%
Profit Quality(5y)208.64%
High Growth Momentum
Growth
EPS 1Y (TTM)24.41%
EPS 3Y14.47%
EPS 5Y3.59%
EPS Q2Q%31.76%
EPS Next Y21.34%
EPS Next 2Y15.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.67%
Revenue growth 3Y2.05%
Revenue growth 5Y-0.27%
Sales Q2Q%31.89%
Revenue Next Year30.43%
Revenue Next 2Y18.25%
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 1Y11.16%
FCF growth 3Y-42.63%
FCF growth 5YN/A
OCF growth 1Y12.29%
OCF growth 3Y-41.77%
OCF growth 5YN/A

FB FINANCIAL CORP / FBK Fundamental Analysis FAQ

What is the fundamental rating for FBK stock?

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


What is the valuation status of FB FINANCIAL CORP (FBK) stock?

ChartMill assigns a valuation rating of 4 / 10 to FB FINANCIAL CORP (FBK). This can be considered as Fairly Valued.


Can you provide the profitability details for FB FINANCIAL CORP?

FB FINANCIAL CORP (FBK) has a profitability rating of 3 / 10.


What is the financial health of FB FINANCIAL CORP (FBK) stock?

The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.


How sustainable is the dividend of FB FINANCIAL CORP (FBK) stock?

The dividend rating of FB FINANCIAL CORP (FBK) is 5 / 10 and the dividend payout ratio is 30.9%.