FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
55.86 USD
-0.12 (-0.21%)
55.86 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.
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
With a Return On Assets value of 0.64%, FBK is not doing good in the industry: 68.99% of the companies in the same industry are doing better.
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.
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) | 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.
Compared to 1 year ago, FBK has less shares outstanding
Compared to 5 years ago, FBK has more shares outstanding
The debt/assets ratio for FBK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FBK is 1.80, which is an excellent value as it means it would take FBK, only 1.80 years of fcf income to pay off all of its debts.
FBK has a Debt to FCF ratio of 1.80. This is comparable to the rest of the industry: FBK outperforms 51.42% of its industry peers.
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
WACC15.28%
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.
FBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.89%.
The Revenue has been growing slightly by 4.74% on average over the past years.
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
The Earnings Per Share is expected to grow by 14.83% on average over the next years. This is quite good.
The Revenue is expected to grow by 16.67% on average over the next years. This is quite good.
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
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
A Price/Earnings ratio of 15.30 indicates a correct valuation of FBK.
Based on the Price/Earnings ratio, FBK is valued a bit more expensive than 70.80% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. FBK is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.93 indicates a reasonable valuation of FBK.
64.86% of the companies in the same industry are cheaper than FBK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, FBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.3 | ||
| Fwd PE | 11.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBK is valued a bit more expensive than 74.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FBK's earnings are expected to grow with 14.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)4.09
EPS Next 2Y17.35%
EPS Next 3Y14.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.45%, FBK has a reasonable but not impressive dividend return.
FBK's Dividend Yield is slightly below the industry average, which is at 3.33.
Compared to the average S&P500 Dividend Yield of 2.40, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
5.2 History
The dividend of FBK is nicely growing with an annual growth rate of 16.07%!
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
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%
55.86
-0.12 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change21.38%
Ins Owners1.84%
Ins Owner Change0.25%
Market Cap2.99B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (18.99%)
Short Float %4.42%
Short Ratio4.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
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)0.65%
EPS NQ rev (3m)6.5%
EPS NY rev (1m)0.3%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)2.47%
Revenue NY rev (1m)-4.41%
Revenue NY rev (3m)-6.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.3 | ||
| Fwd PE | 11.93 | ||
| P/S | 5.83 | ||
| P/FCF | 25.22 | ||
| P/OCF | 23.48 | ||
| P/B | 1.51 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.53%
EPS(NY)4.68
Fwd EY8.38%
FCF(TTM)2.21
FCFY3.96%
OCF(TTM)2.38
OCFY4.26%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.93
PEG (5Y)4.09
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
WACC15.28%
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 15.3 and the Price/Book (PB) ratio is 1.51.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.