FB FINANCIAL CORP(NYSE:FBK) stock Fundamental Analysis

Fundamental Rating

Overall FBK gets a fundamental rating of 3 out of 10. We evaluated FBK against 405 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.

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1. Profitability

1.1 Basic Checks

In the past year FBK was profitable.

FBK had a positive operating cash flow in the past year.

FBK had positive earnings in 4 of the past 5 years.

In multiple years FBK reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of 0.83%, FBK perfoms like the industry average, outperforming 55.03% of the companies in the same industry.

Looking at the Return On Equity, with a value of 6.88%, FBK is doing worse than 60.55% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.83%
ROE	6.88%
ROIC	N/A

ROA(3y)1.14%

ROA(5y)1.07%

ROE(3y)10.32%

ROE(5y)9.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FBK's Profit Margin of 24.35% is in line compared to the rest of the industry. FBK outperforms 58.79% of its industry peers.

FBK's Profit Margin has been stable 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)	24.35%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y30.96%

PM growth 5Y1.09%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for FBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

FBK has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 1.01, FBK is doing good in the industry, outperforming 77.64% of the companies in the same industry.

FBK has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

FBK has a better Debt to Equity ratio (0.12) than 68.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.01
Altman-Z	N/A

ROIC/WACCN/A

WACC15.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.46%, which is quite impressive.

FBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.74% yearly.

EPS 1Y (TTM)25.46%

EPS 3Y-4.96%

EPS 5Y3.74%

EPS Q2Q%10.39%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

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.

FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.80% yearly.

EPS Next Y7.49%

EPS Next 2Y9.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.45%

Revenue Next 2Y9.8%

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.

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4. Valuation

4.1 Price/Earnings Ratio

FBK is valuated correctly with a Price/Earnings ratio of 15.59.

Based on the Price/Earnings ratio, FBK is valued a bit more expensive than the industry average as 63.57% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 28.47, FBK is valued a bit cheaper.

A Price/Forward Earnings ratio of 14.51 indicates a correct valuation of FBK.

Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than the industry average as 66.83% of the companies are valued more cheaply.

FBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.74.

		Industry Rank	Sector Rank
PE	15.59
Fwd PE	14.51

4.2 Price Multiples

FBK's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	13.71
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)2.08

PEG (5Y)4.17

EPS Next 2Y9.73%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FBK has a Yearly Dividend Yield of 1.43%.

FBK's Dividend Yield is slightly below the industry average, which is at 3.15.

Compared to the average S&P500 Dividend Yield of 2.28, FBK is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.43%

5.2 History

The dividend of FBK is nicely growing with an annual growth rate of 24.89%!

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)24.89%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

28.74% 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.

DP28.74%

EPS Next 2Y9.73%

EPS Next 3YN/A

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FB FINANCIAL CORP

NYSE:FBK (2/4/2025, 8:04:00 PM)

After market: 53.02 0 (0%)

53.02

+1.04 (+2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/bmo

Earnings (Next)N/A N/A

Inst Owners66.68%

Inst Owner Change-0.04%

Ins Owners1.88%

Ins Owner Change0.2%

Market Cap2.47B

Analysts76

Price Target61.61 (16.2%)

Short Float %1.17%

Short Ratio2.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.43%

Yearly Dividend0.6

Dividend Growth(5Y)24.89%

DP28.74%

Div Incr Years6

Div Non Decr Years6

Ex-Date02-11 2025-02-11 (0.19)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.69%

Min EPS beat(2)7.33%

Max EPS beat(2)10.05%

EPS beat(4)4

Avg EPS beat(4)11.87%

Min EPS beat(4)7.33%

Max EPS beat(4)20.72%

EPS beat(8)7

Avg EPS beat(8)3.72%

EPS beat(12)9

Avg EPS beat(12)-0.35%

EPS beat(16)13

Avg EPS beat(16)4.64%

Revenue beat(2)1

Avg Revenue beat(2)-14.02%

Min Revenue beat(2)-30.8%

Max Revenue beat(2)2.76%

Revenue beat(4)1

Avg Revenue beat(4)-11.3%

Min Revenue beat(4)-30.8%

Max Revenue beat(4)2.76%

Revenue beat(8)1

Avg Revenue beat(8)-8.97%

Revenue beat(12)2

Avg Revenue beat(12)-6.91%

Revenue beat(16)5

Avg Revenue beat(16)-4.93%

PT rev (1m)2.9%

PT rev (3m)13.32%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-0.05%

Revenue NQ rev (3m)-0.05%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	15.59
Fwd PE	14.51
P/S	5.6
P/FCF	13.71
P/OCF	13.09
P/B	1.58
P/tB	2.14
EV/EBITDA	N/A

EPS(TTM)3.4

EY6.41%

EPS(NY)3.65

Fwd EY6.89%

FCF(TTM)3.87

FCFY7.29%

OCF(TTM)4.05

OCFY7.64%

SpS9.46

BVpS33.48

TBVpS24.78

PEG (NY)2.08

PEG (5Y)4.17

Profitability

		Industry Rank	Sector Rank
ROA	0.83%
ROE	6.88%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.35%
GM	N/A
FCFM	40.86%

ROA(3y)1.14%

ROA(5y)1.07%

ROE(3y)10.32%

ROE(5y)9.36%

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 3Y30.96%

PM growth 5Y1.09%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.01
Debt/EBITDA	N/A
Cap/Depr	54.28%
Cap/Sales	1.95%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	167.82%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.06%

ROIC/WACCN/A

Cap/Depr(3y)88.11%

Cap/Depr(5y)76.4%

Cap/Sales(3y)2.44%

Cap/Sales(5y)2.05%

Profit Quality(3y)269.78%

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)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%11.98%

Revenue Next Year10.45%

Revenue Next 2Y9.8%

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-78.33%

FCF growth 3YN/A

FCF growth 5Y-1.14%

OCF growth 1Y-77.48%

OCF growth 3YN/A

OCF growth 5Y-0.11%

FB FINANCIAL CORP (FBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens