FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
NYSE:FBK - New York Stock Exchange, Inc. - US30257X1046 - Common Stock - Currency: USD
Taking everything into account, FBK scores 4 out of 10 in our fundamental rating. FBK was compared to 402 industry peers in the Banks industry. There are concerns on the financial health of FBK while its profitability can be described as average. FBK is valied quite expensively at the moment, while it does show a decent growth rate.
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.
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.
1.2 Ratios
FBK has a better Return On Assets (0.88%) than 60.45% of its industry peers.
The Return On Equity of FBK (7.40%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 7.4% | ||
| 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
The Profit Margin of FBK (25.47%) is better than 63.68% 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) | 25.47% | ||
| 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.
Compared to 1 year ago, FBK has less shares outstanding
Compared to 5 years ago, FBK has more shares outstanding
FBK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FBK is 1.34, which is an excellent value as it means it would take FBK, only 1.34 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.34, FBK is in the better half of the industry, outperforming 70.15% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that FBK is not too dependend on debt financing.
FBK has a better Debt to Equity ratio (0.11) than 70.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.7%
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 impressive 25.46% 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 3.74% on average per year.
The Revenue has decreased by -4.62% in the past year.
The Revenue has been growing slightly by 4.74% on average over the past years.
EPS 1Y (TTM)25.46%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%10.39%
Revenue 1Y (TTM)-4.62%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%11.98%
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 9.73% on average per year.
The Revenue is expected to grow by 9.93% on average over the next years. This is quite good.
EPS Next Y7.49%
EPS Next 2Y9.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.09%
Revenue Next 2Y9.93%
Revenue Next 3YN/A
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.79, the valuation of FBK can be described as correct.
FBK's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.35, FBK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 12.83, the valuation of FBK can be described as correct.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than 62.19% of the companies in the same industry.
FBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.79 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than the industry average as 62.94% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FBK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.84
PEG (5Y)3.69
EPS Next 2Y9.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 1.61%.
FBK's Dividend Yield is slightly below the industry average, which is at 3.37.
Compared to the average S&P500 Dividend Yield of 2.33, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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.
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
FBK pays out 27.39% 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.
DP27.39%
EPS Next 2Y9.73%
EPS Next 3YN/A
46.88
-0.47 (-0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.35%
Inst Owner Change1.98%
Ins Owners1.86%
Ins Owner Change0.77%
Market Cap2.19B
Analysts76
Price Target61.61 (31.42%)
Short Float %1.33%
Short Ratio3.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
Yearly Dividend0.68
Dividend Growth(5Y)16.07%
DP27.39%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.06%
Min EPS beat(2)0.79%
Max EPS beat(2)7.33%
EPS beat(4)4
Avg EPS beat(4)9.72%
Min EPS beat(4)0.79%
Max EPS beat(4)20.72%
EPS beat(8)7
Avg EPS beat(8)3.59%
EPS beat(12)9
Avg EPS beat(12)-2.44%
EPS beat(16)13
Avg EPS beat(16)3.66%
Revenue beat(2)0
Avg Revenue beat(2)-16.18%
Min Revenue beat(2)-30.8%
Max Revenue beat(2)-1.56%
Revenue beat(4)1
Avg Revenue beat(4)-10.28%
Min Revenue beat(4)-30.8%
Max Revenue beat(4)2.76%
Revenue beat(8)1
Avg Revenue beat(8)-8.25%
Revenue beat(12)1
Avg Revenue beat(12)-7.22%
Revenue beat(16)4
Avg Revenue beat(16)-5.11%
PT rev (1m)0%
PT rev (3m)11.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.25%
EPS NY rev (1m)0%
EPS NY rev (3m)3.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.79 | ||
| Fwd PE | 12.83 | ||
| P/S | 4.8 | ||
| P/FCF | 16.55 | ||
| P/OCF | 15.77 | ||
| P/B | 1.4 | ||
| P/tB | 1.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.4
EY7.25%
EPS(NY)3.65
Fwd EY7.8%
FCF(TTM)2.83
FCFY6.04%
OCF(TTM)2.97
OCFY6.34%
SpS9.76
BVpS33.58
TBVpS24.79
PEG (NY)1.84
PEG (5Y)3.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 7.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.47% | ||
| GM | N/A | ||
| FCFM | 29.03% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 1.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.89% | ||
| Cap/Sales | 1.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.98% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC17.7%
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)25.46%
EPS 3Y-4.96%
EPS 5Y3.74%
EPS Q2Q%10.39%
EPS Next Y7.49%
EPS Next 2Y9.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.62%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%11.98%
Revenue Next Year11.09%
Revenue Next 2Y9.93%
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-30.7%
FCF growth 3Y39.42%
FCF growth 5Y18.29%
OCF growth 1Y-34.24%
OCF growth 3Y36.23%
OCF growth 5Y16.78%