FB FINANCIAL CORP (FBK) Stock Fundamental Analysis

NYSE:FBK • US30257X1046

54.69 USD
-3.28 (-5.66%)
At close: Feb 27, 2026
54.69 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 379 industry peers in the Banks industry. FBK may be in some trouble as it scores bad on both profitability and health. FBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FBK was profitable.
  • In the past year FBK had a positive cash flow from operations.
  • FBK had positive earnings in each of the past 5 years.
  • FBK had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of FBK (0.64%) is worse than 71.50% of its industry peers.
  • FBK's Return On Equity of 5.23% is on the low side compared to the rest of the industry. FBK is outperformed by 76.78% 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

  • The Profit Margin of FBK (20.23%) is worse than 67.81% of its industry peers.
  • FBK's Profit Margin has improved in the last couple of years.
  • FBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • The number of shares outstanding for FBK has been increased compared to 1 year ago.
  • 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

  • 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.
  • FBK's Debt to FCF ratio of 1.80 is in line compared to the rest of the industry. FBK outperforms 51.45% of its industry peers.
  • FBK has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • FBK has a better Debt to Equity ratio (0.11) than 65.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC15.58%
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.
  • The Revenue has grown by 22.92% in the past year. This is a very strong growth!
  • 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.
  • Based on estimates for the next years, FBK will show a quite strong growth in Revenue. The Revenue will grow by 19.57% on average per year.
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.
  • 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.
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

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.81, the valuation of FBK can be described as correct.
  • Based on the Price/Earnings ratio, FBK is valued a bit more expensive than 65.17% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. FBK is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.34, the valuation of FBK can be described as reasonable.
  • FBK's Price/Forward Earnings ratio is in line with the industry average.
  • FBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 13.81
Fwd PE 11.34
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 76.52% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 23.9
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 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)0.63
PEG (5Y)3.85
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

  • FBK has a Yearly Dividend Yield of 1.45%.
  • FBK's Dividend Yield is slightly below the industry average, which is at 2.73.
  • FBK's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.45%

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

  • FBK pays out 34.45% of its income as dividend. This is a 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 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 (2/27/2026, 8:04:00 PM)

After market: 54.69 0 (0%)

54.69

-3.28 (-5.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners73.54%
Inst Owner Change9.09%
Ins Owners2%
Ins Owner Change0.16%
Market Cap2.83B
Revenue(TTM)560.01M
Net Income(TTM)103.53M
Analysts80
Price Target68.08 (24.48%)
Short Float %3.73%
Short Ratio5.23
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
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)2.43%
PT rev (3m)2.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.06%
EPS NY rev (3m)3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 13.81
Fwd PE 11.34
P/S 5.53
P/FCF 23.9
P/OCF 22.25
P/B 1.43
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)3.96
EY7.24%
EPS(NY)4.82
Fwd EY8.82%
FCF(TTM)2.29
FCFY4.18%
OCF(TTM)2.46
OCFY4.49%
SpS9.89
BVpS38.22
TBVpS27.92
PEG (NY)0.63
PEG (5Y)3.85
Graham Number58.36
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
WACC15.58%
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 4 / 10 to FB FINANCIAL CORP (FBK). This can be considered as Fairly Valued.


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 13.81 and the Price/Book (PB) ratio is 1.43.


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%.