FB FINANCIAL CORP (FBK) Stock Fundamental Analysis

NYSE:FBK • US30257X1046

59 USD
-0.23 (-0.39%)
At close: Feb 13, 2026
59 USD
0 (0%)
After Hours: 2/13/2026, 8:06:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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.


Dividend Valuation Growth Profitability Health

2

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.
  • FBK had positive earnings in each of the past 5 years.
  • 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 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 0.64%, FBK is not doing good in the industry: 70.08% of the companies in the same industry are doing better.
  • FBK's Return On Equity of 5.23% is on the low side compared to the rest of the industry. FBK is outperformed by 75.33% of its industry peers.
Industry RankSector 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
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's Profit Margin of 20.23% is on the low side compared to the rest of the industry. FBK is outperformed by 67.19% 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 RankSector 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
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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 more shares outstanding
  • 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

  • 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 of 1.80. This is comparable to the rest of the industry: FBK outperforms 50.66% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that FBK is not too dependend on debt financing.
  • FBK's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. FBK outperforms 65.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC15.04%
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

More info and screens

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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.47% over the past year.
  • The Earnings Per Share has been growing slightly by 3.59% on average over the past years.
  • Looking at the last year, FBK shows a very strong growth in Revenue. The Revenue has grown by 22.92%.
  • FBK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.27% yearly.
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

  • The Earnings Per Share is expected to grow by 15.61% on average over the next years. This is quite good.
  • FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.57% yearly.
EPS Next Y21.78%
EPS Next 2Y15.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.51%
Revenue Next 2Y19.57%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.90, 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 67.19% of the companies listed in the same industry.
  • FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • FBK is valuated correctly with a Price/Forward Earnings ratio of 12.23.
  • 60.10% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. FBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.9
Fwd PE 12.23
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 the industry average as 77.17% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 26.64
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

  • 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 15.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)4.15
EPS Next 2Y15.61%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.38%, FBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, FBK is paying slightly less dividend.
  • FBK's Dividend Yield is slightly below the S&P500 average, which is at 1.79.
Industry RankSector Rank
Dividend Yield 1.38%

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
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

  • 34.45% of the earnings are spent on dividend by FBK. This is a low number and sustainable payout ratio.
  • FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.45%
EPS Next 2Y15.61%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

FB FINANCIAL CORP

NYSE:FBK (2/13/2026, 8:06:19 PM)

After market: 59 0 (0%)

59

-0.23 (-0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners73.54%
Inst Owner Change8.5%
Ins Owners2%
Ins Owner Change0%
Market Cap3.15B
Revenue(TTM)560.01M
Net Income(TTM)103.53M
Analysts81.82
Price Target67.73 (14.8%)
Short Float %3.57%
Short Ratio5.01
Dividend
Industry RankSector Rank
Dividend Yield 1.38%
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP34.45%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-10
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)1.89%
PT rev (3m)1.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.67%
EPS NY rev (1m)2.06%
EPS NY rev (3m)3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0.53%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 14.9
Fwd PE 12.23
P/S 6.16
P/FCF 26.64
P/OCF 24.8
P/B 1.59
P/tB 2.18
EV/EBITDA N/A
EPS(TTM)3.96
EY6.71%
EPS(NY)4.82
Fwd EY8.17%
FCF(TTM)2.21
FCFY3.75%
OCF(TTM)2.38
OCFY4.03%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.68
PEG (5Y)4.15
Graham Number57.42
Profitability
Industry RankSector 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)0.86%
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 1.8
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
WACC15.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.47%
EPS 3Y14.47%
EPS 5Y3.59%
EPS Q2Q%36.47%
EPS Next Y21.78%
EPS Next 2Y15.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.92%
Revenue growth 3Y2.05%
Revenue growth 5Y-0.27%
Sales Q2Q%36.99%
Revenue Next Year32.51%
Revenue Next 2Y19.57%
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-34.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-32.72%
OCF growth 3YN/A
OCF growth 5YN/A

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 14.9 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%.