Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 383 industry peers in the Banks industry. FBK may be in some trouble as it scores bad on both profitability and health. FBK is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FBK was profitable.
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

FBK has a Return On Assets of 0.64%. This is in the lower half of the industry: FBK underperforms 69.97% of its industry peers.
FBK has a Return On Equity of 5.23%. This is in the lower half of the industry: FBK underperforms 75.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	5.23%
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

1.3 Margins

FBK's Profit Margin of 20.23% is on the low side compared to the rest of the industry. FBK is outperformed by 66.84% of its industry peers.
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)	20.23%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FBK has been increased compared to 1 year ago.
The number of shares outstanding for FBK has been increased compared to 5 years ago.
Compared to 1 year ago, FBK has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FBK is 1.80, which is an excellent value as it means it would take FBK, only 1.80 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.80, FBK is in line with its industry, outperforming 50.39% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that FBK is not too dependend on debt financing.
The Debt to Equity ratio of FBK (0.11) is better than 66.06% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	1.8
Altman-Z	N/A

ROIC/WACCN/A

WACC15.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.47% over the past year.
Measured over the past 5 years, FBK shows a small growth in Earnings Per Share. The EPS has been growing by 3.59% on average per year.
The Revenue has grown by 22.92% 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)16.47%

EPS 3Y14.47%

EPS 5Y3.59%

EPS Q2Q%36.47%

Revenue 1Y (TTM)22.92%

Revenue growth 3Y2.05%

Revenue growth 5Y-0.27%

Sales Q2Q%36.99%

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 14.50% yearly.
Based on estimates for the next years, FBK will show a quite strong growth in Revenue. The Revenue will grow by 19.00% on average per year.

EPS Next Y19.32%

EPS Next 2Y14.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year31.62%

Revenue Next 2Y19%

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.
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.

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4. Valuation

4.1 Price/Earnings Ratio

FBK is valuated correctly with a Price/Earnings ratio of 14.41.
FBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 66.84% of the companies in the same industry.
FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 28.60, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.08, the valuation of FBK can be described as correct.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than 61.10% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, FBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.41
Fwd PE	12.08

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than 76.50% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	25.77
EV/EBITDA	N/A

4.3 Compensation for Growth

FBK's 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 14.50% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.75

PEG (5Y)4.02

EPS Next 2Y14.5%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.47%, FBK has a reasonable but not impressive dividend return.
FBK's Dividend Yield is slightly below the industry average, which is at 2.60.
FBK's Dividend Yield is comparable with the S&P500 average which is at 1.82.

		Industry Rank	Sector Rank
Dividend Yield	1.47%

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.
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

34.45% 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.

DP34.45%

EPS Next 2Y14.5%

EPS Next 3YN/A

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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 14.41 and the Price/Book (PB) ratio is 1.54.

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%.