FB FINANCIAL CORP (FBK) Fundamental Analysis & Valuation

NYSE:FBK • US30257X1046

Current stock price

53.41 USD
+0.78 (+1.48%)
At close:
53.41 USD
0 (0%)
After Hours:

This FBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FBK Profitability Analysis

1.1 Basic Checks

  • FBK had positive earnings in the past year.
  • In the past year FBK had a positive cash flow from operations.
  • In the past 5 years FBK has always been profitable.
  • FBK had a positive operating cash flow in each 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 (0.75%) is worse than 69.47% of its industry peers.
  • FBK has a worse Return On Equity (6.29%) than 75.00% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 6.29%
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

  • Looking at the Profit Margin, with a value of 21.90%, FBK is doing worse than 66.58% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 21.9%
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

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3

2. FBK Health Analysis

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.
  • 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.
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 1.45, which is an excellent value as it means it would take FBK, only 1.45 years of fcf income to pay off all of its debts.
  • FBK has a Debt to FCF ratio of 1.45. This is comparable to the rest of the industry: FBK outperforms 58.95% 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 Debt to Equity ratio of 0.11. This is in the better half of the industry: FBK outperforms 63.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC17.48%
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.47% 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 3.59% on average per year.
  • Looking at the last year, FBK shows a very strong growth in Revenue. The Revenue has grown by 22.92%.
  • 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

  • Based on estimates for the next years, FBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.05% 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 19.37% on average per year.
EPS Next Y21.34%
EPS Next 2Y15.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.1%
Revenue Next 2Y19.37%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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
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

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4

4. FBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.49, the valuation of FBK can be described as correct.
  • Based on the Price/Earnings ratio, FBK is valued a bit more expensive than 62.89% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (26.17), we can say FBK is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 11.11, the valuation of FBK can be described as reasonable.
  • FBK's Price/Forward Earnings is on the same level as the industry average.
  • FBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.05.
Industry RankSector Rank
PE 13.49
Fwd PE 11.11
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

  • 72.89% of the companies in the same industry are cheaper than FBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 18.8
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.
  • A more expensive valuation may be justified as FBK's earnings are expected to grow with 15.05% in the coming years.
PEG (NY)0.63
PEG (5Y)3.76
EPS Next 2Y15.05%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FBK Dividend Analysis

5.1 Amount

  • FBK has a Yearly Dividend Yield of 1.64%.
  • Compared to an average industry Dividend Yield of 2.73, FBK is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, FBK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.64%

5.2 History

  • The dividend of FBK is nicely growing with an annual growth rate of 15.99%!
  • 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)15.99%
Div Incr Years7
Div Non Decr Years7
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

  • 30.90% of the earnings are spent on dividend by FBK. This is a low number and sustainable payout ratio.
  • FBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.9%
EPS Next 2Y15.05%
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

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FBK Fundamentals: All Metrics, Ratios and Statistics

FB FINANCIAL CORP

NYSE:FBK (4/2/2026, 8:22:12 PM)

After market: 53.41 0 (0%)

53.41

+0.78 (+1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners80.91%
Inst Owner Change0%
Ins Owners2.06%
Ins Owner Change0.09%
Market Cap2.76B
Revenue(TTM)560.01M
Net Income(TTM)122.62M
Analysts78.18
Price Target67.92 (27.17%)
Short Float %3.52%
Short Ratio5
Dividend
Industry RankSector Rank
Dividend Yield 1.64%
Yearly Dividend0.77
Dividend Growth(5Y)15.99%
DP30.9%
Div Incr Years7
Div Non Decr Years7
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.2%
Min EPS beat(2)3.07%
Max EPS beat(2)11.32%
EPS beat(4)3
Avg EPS beat(4)3.56%
Min EPS beat(4)-0.99%
Max EPS beat(4)11.32%
EPS beat(8)7
Avg EPS beat(8)6.64%
EPS beat(12)10
Avg EPS beat(12)3.58%
EPS beat(16)12
Avg EPS beat(16)-0.94%
Revenue beat(2)2
Avg Revenue beat(2)1.51%
Min Revenue beat(2)0.47%
Max Revenue beat(2)2.54%
Revenue beat(4)2
Avg Revenue beat(4)-10.78%
Min Revenue beat(4)-44.23%
Max Revenue beat(4)2.54%
Revenue beat(8)3
Avg Revenue beat(8)-10.53%
Revenue beat(12)3
Avg Revenue beat(12)-9.09%
Revenue beat(16)3
Avg Revenue beat(16)-8.11%
PT rev (1m)-0.25%
PT rev (3m)2.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)0%
EPS NY rev (3m)1.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 13.49
Fwd PE 11.11
P/S 4.94
P/FCF 18.8
P/OCF 17.74
P/B 1.42
P/tB 1.95
EV/EBITDA N/A
EPS(TTM)3.96
EY7.41%
EPS(NY)4.81
Fwd EY9%
FCF(TTM)2.84
FCFY5.32%
OCF(TTM)3.01
OCFY5.64%
SpS10.82
BVpS37.64
TBVpS27.39
PEG (NY)0.63
PEG (5Y)3.76
Graham Number57.91
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 6.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.9%
GM N/A
FCFM 26.25%
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 1.45
Debt/EBITDA N/A
Cap/Depr 51%
Cap/Sales 1.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.48%
ROIC/WACCN/A
Cap/Depr(3y)77.07%
Cap/Depr(5y)71.85%
Cap/Sales(3y)2.42%
Cap/Sales(5y)2.06%
Profit Quality(3y)130.87%
Profit Quality(5y)208.64%
High Growth Momentum
Growth
EPS 1Y (TTM)16.47%
EPS 3Y14.47%
EPS 5Y3.59%
EPS Q2Q%36.47%
EPS Next Y21.34%
EPS Next 2Y15.05%
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 Year32.1%
Revenue Next 2Y19.37%
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 1Y11.16%
FCF growth 3Y-42.63%
FCF growth 5YN/A
OCF growth 1Y12.29%
OCF growth 3Y-41.77%
OCF growth 5YN/A

FB FINANCIAL CORP / FBK Fundamental Analysis FAQ

What is the fundamental rating for FBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to FBK.


What is the valuation status of FB FINANCIAL CORP (FBK) stock?

ChartMill assigns a valuation rating of 4 / 10 to FB FINANCIAL CORP (FBK). This can be considered as Fairly Valued.


Can you provide the profitability details for FB FINANCIAL CORP?

FB FINANCIAL CORP (FBK) has a profitability rating of 3 / 10.


What is the financial health of FB FINANCIAL CORP (FBK) stock?

The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.


How sustainable is the dividend of FB FINANCIAL CORP (FBK) stock?

The dividend rating of FB FINANCIAL CORP (FBK) is 5 / 10 and the dividend payout ratio is 30.9%.