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FB FINANCIAL CORP (FBK) Stock Fundamental Analysis

NYSE:FBK - New York Stock Exchange, Inc. - US30257X1046 - Common Stock - Currency: USD

42.79  -0.1 (-0.23%)

After market: 42.79 0 (0%)

Fundamental Rating

4

Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 504 industry peers in the Banks industry. FBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. FBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

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.
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

The Return On Assets of FBK (0.97%) is better than 63.13% of its industry peers.
FBK has a Return On Equity (7.96%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.97%
ROE 7.96%
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

Looking at the Profit Margin, with a value of 26.62%, FBK is in the better half of the industry, outperforming 68.69% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 26.62%
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.
The debt/assets ratio for FBK has been reduced compared to a year ago.
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

FBK has a debt to FCF ratio of 2.13. This is a good value and a sign of high solvency as FBK would need 2.13 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.13, FBK is in line with its industry, outperforming 46.46% of the companies in the same industry.
FBK has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FBK (0.11) is better than 68.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.13
Altman-Z N/A
ROIC/WACCN/A
WACC19.85%
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 impressive 22.30% over the past year.
The Earnings Per Share has been growing slightly by 3.74% on average over the past years.
The Revenue has been growing slightly by 4.52% in the past year.
FBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.74% yearly.
EPS 1Y (TTM)22.3%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%0%
Revenue 1Y (TTM)4.52%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%21.61%

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 14.11% yearly.
The Revenue is expected to grow by 19.68% on average over the next years. This is quite good.
EPS Next Y7.7%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.21%
Revenue Next 2Y19.68%
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.
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 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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.59, which indicates a correct valuation of FBK.
FBK's Price/Earnings ratio is in line with the industry average.
FBK is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.67 indicates a reasonable valuation of FBK.
The rest of the industry has a similar Price/Forward Earnings ratio as FBK.
FBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.59
Fwd PE 9.67
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

78.28% of the companies in the same industry are cheaper than FBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.74
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 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 14.11% in the coming years.
PEG (NY)1.63
PEG (5Y)3.37
EPS Next 2Y14.11%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 1.73%. Purely for dividend investing, there may be better candidates out there.
FBK's Dividend Yield is slightly below the industry average, which is at 2.38.
FBK's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.73%

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.
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
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

25.64% 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.
DP25.64%
EPS Next 2Y14.11%
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 (6/5/2025, 8:04:00 PM)

After market: 42.79 0 (0%)

42.79

-0.1 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-14 2025-07-14/amc
Inst Owners67.35%
Inst Owner Change2.21%
Ins Owners1.86%
Ins Owner Change0.38%
Market Cap1.97B
Analysts80
Price Target56.3 (31.57%)
Short Float %3.15%
Short Ratio4.08
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP25.64%
Div Incr Years6
Div Non Decr Years6
Ex-Date05-13 2025-05-13 (0.19)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.81%
Min EPS beat(2)0.79%
Max EPS beat(2)0.83%
EPS beat(4)4
Avg EPS beat(4)4.75%
Min EPS beat(4)0.79%
Max EPS beat(4)10.05%
EPS beat(8)7
Avg EPS beat(8)2.78%
EPS beat(12)9
Avg EPS beat(12)-2.52%
EPS beat(16)13
Avg EPS beat(16)1.93%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-1.88%
Max Revenue beat(2)-1.56%
Revenue beat(4)1
Avg Revenue beat(4)-7.87%
Min Revenue beat(4)-30.8%
Max Revenue beat(4)2.76%
Revenue beat(8)1
Avg Revenue beat(8)-7.95%
Revenue beat(12)1
Avg Revenue beat(12)-7.06%
Revenue beat(16)4
Avg Revenue beat(16)-4.94%
PT rev (1m)0%
PT rev (3m)-8.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.94%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.31%
Valuation
Industry RankSector Rank
PE 12.59
Fwd PE 9.67
P/S 4.11
P/FCF 24.74
P/OCF 22.84
P/B 1.23
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)3.4
EY7.95%
EPS(NY)4.43
Fwd EY10.35%
FCF(TTM)1.73
FCFY4.04%
OCF(TTM)1.87
OCFY4.38%
SpS10.42
BVpS34.86
TBVpS26.07
PEG (NY)1.63
PEG (5Y)3.37
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 7.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.62%
GM N/A
FCFM 16.6%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.13
Debt/EBITDA N/A
Cap/Depr 44.8%
Cap/Sales 1.38%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 62.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.85%
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)22.3%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%0%
EPS Next Y7.7%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.52%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%21.61%
Revenue Next Year19.21%
Revenue Next 2Y19.68%
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-86.3%
FCF growth 3Y39.42%
FCF growth 5Y18.29%
OCF growth 1Y-85.64%
OCF growth 3Y36.23%
OCF growth 5Y16.78%