FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - NYSE:FBK - US30257X1046 - Common Stock
53.875 USD
+0.84 (+1.57%)
Overall FBK gets a fundamental rating of 4 out of 10. We evaluated FBK against 388 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.
1. Profitability
1.1 Basic Checks
FBK had positive earnings in the past year.
FBK had a positive operating cash flow in the past year.
In the past 5 years FBK has always been profitable.
Of the past 5 years FBK 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.68%, FBK is not doing good in the industry: 66.24% of the companies in the same industry are doing better.
FBK has a Return On Equity of 5.61%. This is in the lower half of the industry: FBK underperforms 74.48% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 21.14%, FBK is not doing good in the industry: 61.60% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of FBK has grown nicely.
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) | 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
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.
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 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
FBK's Debt to FCF ratio of 1.38 is fine compared to the rest of the industry. FBK outperforms 60.05% of its industry peers.
FBK has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
FBK has a better Debt to Equity ratio (0.10) than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.94%, which is quite good.
The Earnings Per Share has been growing slightly by 3.74% on average over the past years.
Looking at the last year, FBK shows a quite strong growth in Revenue. The Revenue has grown by 15.89% in the last year.
The Revenue has been growing slightly by 4.74% on average over the past years.
EPS 1Y (TTM)9.94%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%24.42%
Revenue 1Y (TTM)15.89%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%94.23%
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 14.83% yearly.
The Revenue is expected to grow by 16.67% on average over the next years. This is quite good.
EPS Next Y16.5%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
EPS Next 5YN/A
Revenue Next Year11.41%
Revenue Next 2Y21.27%
Revenue Next 3Y16.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.76, the valuation of FBK can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 69.59% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (25.47), we can say FBK is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.51, the valuation of FBK can be described as reasonable.
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 63.92% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.42, FBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.76 | ||
| Fwd PE | 11.51 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than the industry average as 72.94% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.11 | ||
| 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.
FBK's earnings are expected to grow with 14.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)3.95
EPS Next 2Y17.35%
EPS Next 3Y14.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.39%, FBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, FBK is paying slightly less dividend.
With a Dividend Yield of 1.39, FBK pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
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.
FBK has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)16.07%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
FBK pays out 36.99% 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.
DP36.99%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
NYSE:FBK (11/20/2025, 11:03:18 AM)
53.875
+0.84 (+1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change21.59%
Ins Owners1.84%
Ins Owner Change0.32%
Market Cap2.88B
Revenue(TTM)511.79M
Net Income(TTM)90.38M
Analysts81.82
Price Target66.47 (23.38%)
Short Float %4.42%
Short Ratio4.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP36.99%
Div Incr Years6
Div Non Decr Years6
Ex-Date
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)9.22%
PT rev (3m)12.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.63%
EPS NY rev (1m)5.09%
EPS NY rev (3m)7.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-5.6%
Revenue NY rev (3m)-6.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.76 | ||
| Fwd PE | 11.51 | ||
| P/S | 6.74 | ||
| P/FCF | 24.11 | ||
| P/OCF | 22.64 | ||
| P/B | 1.79 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.77%
EPS(NY)4.68
Fwd EY8.69%
FCF(TTM)2.23
FCFY4.15%
OCF(TTM)2.38
OCFY4.42%
SpS8
BVpS30.14
TBVpS22.65
PEG (NY)0.89
PEG (5Y)3.95
Graham Number49.75
Profitability
| Industry Rank | Sector 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
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-8.32%
PM growth 5Y1.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC15.73%
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)9.94%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%24.42%
EPS Next Y16.5%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
EPS Next 5YN/A
Revenue 1Y (TTM)15.89%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%94.23%
Revenue Next Year11.41%
Revenue Next 2Y21.27%
Revenue Next 3Y16.67%
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%
FB FINANCIAL CORP / FBK FAQ
What is the fundamental rating for FBK stock?
ChartMill assigns a fundamental rating of 4 / 10 to FBK.
What is the valuation status for FBK stock?
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.
What are the PE and PB ratios of FB FINANCIAL CORP (FBK) stock?
The Price/Earnings (PE) ratio for FB FINANCIAL CORP (FBK) is 14.76 and the Price/Book (PB) ratio is 1.79.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.