FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
56.78 USD
-0.29 (-0.51%)
56.78 USD
0 (0%)
FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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
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.
1.2 Ratios
FBK has a worse Return On Assets (0.64%) than 70.10% of its industry peers.
FBK has a worse Return On Equity (5.23%) than 76.03% 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 worse Profit Margin (20.23%) than 66.24% 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 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.
The number of shares outstanding for FBK has been reduced compared to 1 year ago.
The number of shares outstanding for FBK has been increased compared to 5 years ago.
The debt/assets ratio for FBK has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 1.80, FBK is in line with its industry, outperforming 50.26% of the companies in the same industry.
FBK has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.11, FBK is doing good in the industry, outperforming 65.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.33%
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.
Measured over the past 5 years, FBK shows a small growth in Earnings Per Share. The EPS has been growing by 3.74% on average per year.
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 15.15% on average per year.
The Revenue is expected to grow by 16.59% on average over the next years. This is quite good.
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 15.56, which indicates a correct valuation of FBK.
Compared to the rest of the industry, the Price/Earnings ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 70.10% of the companies listed in the same industry.
FBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
FBK is valuated correctly with a Price/Forward Earnings ratio of 12.02.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than 61.60% of the companies in the same industry.
FBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.56 | ||
| Fwd PE | 12.02 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 76.03% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.64 | ||
| 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)0.93
PEG (5Y)4.16
EPS Next 2Y17.89%
EPS Next 3Y15.15%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 1.33%.
Compared to an average industry Dividend Yield of 2.74, FBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.87, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
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
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 2Y17.89%
EPS Next 3Y15.15%
56.78
-0.29 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.16%
Inst Owner Change21.46%
Ins Owners1.88%
Ins Owner Change0.24%
Market Cap3.04B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (17.07%)
Short Float %3.65%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
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)0%
PT rev (3m)10.45%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)6.87%
EPS NY rev (1m)0.24%
EPS NY rev (3m)5.44%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)2.31%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-5.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.56 | ||
| Fwd PE | 12.02 | ||
| P/S | 5.93 | ||
| P/FCF | 25.64 | ||
| P/OCF | 23.87 | ||
| P/B | 1.53 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.43%
EPS(NY)4.73
Fwd EY8.32%
FCF(TTM)2.21
FCFY3.9%
OCF(TTM)2.38
OCFY4.19%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.93
PEG (5Y)4.16
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
WACC15.33%
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.
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 15.56 and the Price/Book (PB) ratio is 1.53.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.