FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
58.9 USD
+1.98 (+3.48%)
59 USD
+0.1 (+0.17%)
FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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.
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 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.64%, FBK is doing worse than 69.77% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.23%, FBK is doing worse than 75.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 5.23% | ||
| 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
FBK has a worse Profit Margin (20.23%) than 66.67% of its industry peers.
FBK's Profit Margin has improved 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) | 20.23% | ||
| 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
FBK has more shares outstanding than it did 5 years ago.
FBK has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio (1.80) which is comparable to the rest of the industry.
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 65.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.1%
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.
FBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.74% yearly.
Looking at the last year, FBK shows a quite strong growth in Revenue. The Revenue has grown by 15.89% in the last 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)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 15.15% yearly.
Based on estimates for the next years, FBK will show a quite strong growth in Revenue. The Revenue will grow by 16.59% on average per year.
EPS Next Y16.78%
EPS Next 2Y17.89%
EPS Next 3Y15.15%
EPS Next 5YN/A
Revenue Next Year11.39%
Revenue Next 2Y21.17%
Revenue Next 3Y16.59%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.14, 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 70.03% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.00, FBK is valued a bit cheaper.
FBK is valuated correctly with a Price/Forward Earnings ratio of 12.47.
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 62.53% of the companies listed in the same industry.
FBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.14 | ||
| Fwd PE | 12.47 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than 76.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.6 | ||
| 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 15.15% in the coming years.
PEG (NY)0.96
PEG (5Y)4.32
EPS Next 2Y17.89%
EPS Next 3Y15.15%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 1.36%.
Compared to an average industry Dividend Yield of 2.78, FBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.94, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
5.2 History
On average, the dividend of FBK grows each year by 16.07%, which is quite nice.
FBK has been paying a dividend for at least 10 years, so it has 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 2Y17.89%
EPS Next 3Y15.15%
58.9
+1.98 (+3.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.54%
Inst Owner Change0%
Ins Owners2%
Ins Owner Change0.06%
Market Cap3.15B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (12.85%)
Short Float %3.95%
Short Ratio5.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP34.45%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.17%
Min EPS beat(2)-0.99%
Max EPS beat(2)11.32%
EPS beat(4)3
Avg EPS beat(4)2.99%
Min EPS beat(4)-0.99%
Max EPS beat(4)11.32%
EPS beat(8)7
Avg EPS beat(8)7.43%
EPS beat(12)10
Avg EPS beat(12)3.47%
EPS beat(16)12
Avg EPS beat(16)0.49%
Revenue beat(2)1
Avg Revenue beat(2)-20.85%
Min Revenue beat(2)-44.23%
Max Revenue beat(2)2.54%
Revenue beat(4)1
Avg Revenue beat(4)-11.28%
Min Revenue beat(4)-44.23%
Max Revenue beat(4)2.54%
Revenue beat(8)2
Avg Revenue beat(8)-11.29%
Revenue beat(12)2
Avg Revenue beat(12)-9.74%
Revenue beat(16)3
Avg Revenue beat(16)-8.01%
PT rev (1m)0%
PT rev (3m)9.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.87%
EPS NY rev (1m)0%
EPS NY rev (3m)5.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.14 | ||
| Fwd PE | 12.47 | ||
| P/S | 6.15 | ||
| P/FCF | 26.6 | ||
| P/OCF | 24.76 | ||
| P/B | 1.59 | ||
| P/tB | 2.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.2%
EPS(NY)4.73
Fwd EY8.02%
FCF(TTM)2.21
FCFY3.76%
OCF(TTM)2.38
OCFY4.04%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.96
PEG (5Y)4.32
Graham Number55.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 5.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.23% | ||
| GM | N/A | ||
| FCFM | 23.13% |
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 | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.31% | ||
| Cap/Sales | 1.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.1%
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 Y16.78%
EPS Next 2Y17.89%
EPS Next 3Y15.15%
EPS Next 5YN/A
Revenue 1Y (TTM)15.89%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%94.23%
Revenue Next Year11.39%
Revenue Next 2Y21.17%
Revenue Next 3Y16.59%
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-26.55%
FCF growth 3Y39.42%
FCF growth 5Y18.29%
OCF growth 1Y-30.24%
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.
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 16.14 and the Price/Book (PB) ratio is 1.59.
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%.