FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
54.39 USD
+1.86 (+3.54%)
54.39 USD
0 (0%)
Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 387 industry peers in the Banks industry. FBK may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, FBK is valued expensive at the moment.
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.
1.2 Ratios
The Return On Assets of FBK (0.64%) is worse than 68.89% of its industry peers.
The Return On Equity of FBK (5.23%) is worse than 76.09% of its industry peers.
| 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 Profit Margin of 20.23%. This is in the lower half of the industry: FBK underperforms 65.30% 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.
FBK has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FBK has more shares outstanding
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.
The Debt to FCF ratio of FBK (1.80) 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 Debt to Equity ratio of 0.11. This is in the better half of the industry: FBK outperforms 66.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.94% over the past year.
The Earnings Per Share has been growing slightly by 3.74% on average over the past years.
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
Based on estimates for the next years, FBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.83% on average per year.
Based on estimates for the next years, FBK will show a quite strong growth in Revenue. The Revenue will grow by 16.67% on average per year.
EPS Next Y16.5%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
EPS Next 5YN/A
Revenue Next Year11.41%
Revenue Next 2Y21.27%
Revenue Next 3Y16.67%
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.
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.
69.67% of the companies in the same industry are cheaper than FBK, based on the Price/Earnings ratio.
FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.62, which indicates a very decent valuation of FBK.
FBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 64.01% of the companies in the same industry.
FBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.9 | ||
| Fwd PE | 11.62 |
4.2 Price Multiples
74.04% of the companies in the same industry are cheaper than FBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.56 | ||
| 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 14.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)3.99
EPS Next 2Y17.35%
EPS Next 3Y14.83%
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 3.33.
Compared to the average S&P500 Dividend Yield of 2.41, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
5.2 History
The dividend of FBK is nicely growing with an annual growth rate of 16.07%!
FBK has been paying a dividend for at least 10 years, so it has 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
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 2Y17.35%
EPS Next 3Y14.83%
54.39
+1.86 (+3.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change21.38%
Ins Owners1.84%
Ins Owner Change0.25%
Market Cap2.91B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (22.21%)
Short Float %4.42%
Short Ratio4.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP34.45%
Div Incr Years6
Div Non Decr Years6
Ex-Date
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)9.22%
PT rev (3m)12.75%
EPS NQ rev (1m)0.65%
EPS NQ rev (3m)6.5%
EPS NY rev (1m)0.3%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)2.47%
Revenue NY rev (1m)-4.41%
Revenue NY rev (3m)-6.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.9 | ||
| Fwd PE | 11.62 | ||
| P/S | 5.68 | ||
| P/FCF | 24.56 | ||
| P/OCF | 22.86 | ||
| P/B | 1.47 | ||
| P/tB | 2.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.71%
EPS(NY)4.68
Fwd EY8.61%
FCF(TTM)2.21
FCFY4.07%
OCF(TTM)2.38
OCFY4.37%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.9
PEG (5Y)3.99
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
WACC15.5%
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 Y16.5%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
EPS Next 5YN/A
Revenue 1Y (TTM)15.89%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%94.23%
Revenue Next Year11.41%
Revenue Next 2Y21.27%
Revenue Next 3Y16.67%
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.
What is the valuation status for FBK stock?
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.
What are the PE and PB ratios of FB FINANCIAL CORP (FBK) stock?
The Price/Earnings (PE) ratio for FB FINANCIAL CORP (FBK) is 14.9 and the Price/Book (PB) ratio is 1.47.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.