FB FINANCIAL CORP (FBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FBK - US30257X1046 - Common Stock
57.07 USD
-0.24 (-0.42%)
57.07 USD
0 (0%)
FBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. FBK may be in some trouble as it scores bad on both profitability and health. 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 70.13% of its industry peers.
With a Return On Equity value of 5.23%, FBK is not doing good in the industry: 76.10% of the companies in the same industry are doing better.
| 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 66.23% of its industry peers.
FBK's Profit Margin has improved 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) | 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
Compared to 1 year ago, FBK has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 1.80, FBK is in line with its industry, outperforming 49.87% of the companies in the same industry.
FBK has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FBK (0.11) is better than 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.3%
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.
The Earnings Per Share has been growing slightly by 3.74% on average over the past years.
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 15.15% on average over the next years. This is quite good.
The Revenue is expected to grow by 16.59% on average over the next years. This is quite good.
EPS Next Y16.78%
EPS Next 2Y17.89%
EPS Next 3Y15.15%
EPS Next 5YN/A
Revenue Next Year11.39%
Revenue Next 2Y21.17%
Revenue Next 3Y16.59%
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.
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
The Price/Earnings ratio is 15.64, which indicates a correct valuation of FBK.
Compared to the rest of the industry, the Price/Earnings ratio of FBK indicates a slightly more expensive valuation: FBK is more expensive than 69.35% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FBK to the average of the S&P500 Index (26.26), we can say FBK is valued slightly cheaper.
With a Price/Forward Earnings ratio of 12.08, FBK is valued correctly.
Based on the Price/Forward Earnings ratio, FBK is valued a bit more expensive than the industry average as 61.30% of the companies are valued more cheaply.
FBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.64 | ||
| Fwd PE | 12.08 |
4.2 Price Multiples
FBK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FBK is more expensive than 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.77 | ||
| 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 15.15% in the coming years.
PEG (NY)0.93
PEG (5Y)4.18
EPS Next 2Y17.89%
EPS Next 3Y15.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.29%, FBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.70, FBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.87, FBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
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.
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 2Y17.89%
EPS Next 3Y15.15%
57.07
-0.24 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.16%
Inst Owner Change21.46%
Ins Owners1.88%
Ins Owner Change0.24%
Market Cap3.05B
Revenue(TTM)511.79M
Net Income(TTM)103.53M
Analysts81.82
Price Target66.47 (16.47%)
Short Float %3.65%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
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)0%
PT rev (3m)10.45%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)6.87%
EPS NY rev (1m)0.24%
EPS NY rev (3m)5.44%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)2.31%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-5.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.64 | ||
| Fwd PE | 12.08 | ||
| P/S | 5.96 | ||
| P/FCF | 25.77 | ||
| P/OCF | 23.99 | ||
| P/B | 1.54 | ||
| P/tB | 2.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.65
EY6.4%
EPS(NY)4.73
Fwd EY8.28%
FCF(TTM)2.21
FCFY3.88%
OCF(TTM)2.38
OCFY4.17%
SpS9.57
BVpS37
TBVpS27.02
PEG (NY)0.93
PEG (5Y)4.18
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
WACC15.3%
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 Y16.78%
EPS Next 2Y17.89%
EPS Next 3Y15.15%
EPS Next 5YN/A
Revenue 1Y (TTM)15.89%
Revenue growth 3Y-7.5%
Revenue growth 5Y4.74%
Sales Q2Q%94.23%
Revenue Next Year11.39%
Revenue Next 2Y21.17%
Revenue Next 3Y16.59%
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 15.64 and the Price/Book (PB) ratio is 1.54.
How financially healthy is FB FINANCIAL CORP?
The financial health rating of FB FINANCIAL CORP (FBK) is 3 / 10.