FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
56.19 USD
+0.15 (+0.27%)
56.19 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 has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
FBK had a positive operating cash flow in the past year.
Each year in the past 5 years FBK has been profitable.
FBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of FBK (0.64%) is worse than 68.99% of its industry peers.
FBK has a Return On Equity of 5.23%. This is in the lower half of the industry: FBK underperforms 76.49% 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 65.63% 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.
FBK has less shares outstanding than it did 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.
With a Debt to FCF ratio value of 1.80, FBK perfoms like the industry average, outperforming 51.42% 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's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. FBK outperforms 66.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.32%
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.
FBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.74% yearly.
Looking at the last year, FBK shows a quite strong growth in Revenue. The Revenue has grown by 15.89% in the last year.
Measured over the past years, FBK shows a small growth in Revenue. The Revenue has been growing by 4.74% on average per year.
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.
FBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.67% yearly.
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
FBK is valuated correctly with a Price/Earnings ratio of 15.39.
FBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FBK is more expensive than 71.32% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, FBK is valued a bit cheaper.
The Price/Forward Earnings ratio is 12.00, which indicates a correct valuation of FBK.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than 64.60% 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 36.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.39 | ||
| Fwd PE | 12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than 74.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.37 | ||
| 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 14.83% in the coming years.
PEG (NY)0.93
PEG (5Y)4.12
EPS Next 2Y17.35%
EPS Next 3Y14.83%
5. Dividend
5.1 Amount
FBK has a Yearly Dividend Yield of 1.36%.
Compared to an average industry Dividend Yield of 3.15, FBK is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, FBK's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
5.2 History
The dividend of FBK is nicely growing with an annual growth rate of 16.07%!
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 34.45% 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.
DP34.45%
EPS Next 2Y17.35%
EPS Next 3Y14.83%
56.19
+0.15 (+0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change21.46%
Ins Owners1.84%
Ins Owner Change0.25%
Market Cap3.00B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (18.3%)
Short Float %3.92%
Short Ratio4.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
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)0.67%
EPS NQ rev (3m)6.87%
EPS NY rev (1m)0.3%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)2.45%
Revenue NY rev (1m)-4.41%
Revenue NY rev (3m)-6.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.39 | ||
| Fwd PE | 12 | ||
| P/S | 5.87 | ||
| P/FCF | 25.37 | ||
| P/OCF | 23.62 | ||
| P/B | 1.52 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.5%
EPS(NY)4.68
Fwd EY8.33%
FCF(TTM)2.21
FCFY3.94%
OCF(TTM)2.38
OCFY4.23%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.93
PEG (5Y)4.12
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
WACC15.32%
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 15.39 and the Price/Book (PB) ratio is 1.52.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.