(FBK) FB Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 2.666m USD | Total Return: 21.5% in 12m
Avg Turnover: 12.7M
EPS Trend: 93.4%
Qual. Beats: 0
Rev. Trend: 91.8%
Qual. Beats: 4
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
FB Financial Corporation, headquartered in Nashville, Tennessee, is a regional bank holding company that operates FirstBank. The company provides a comprehensive suite of commercial and consumer banking services through two primary segments: Banking and Mortgage. Its portfolio includes diverse deposit products, commercial real estate lending, construction loans, and consumer credit lines.
As a regional bank, FB Financial relies on a spread-based business model, generating revenue primarily through the net interest margin between deposit costs and loan yields. The mortgage segment adds a fee-based revenue stream by originating and securitizing residential loans for third-party investors and government agencies. This dual-segment structure allows the firm to balance traditional interest income with transactional mortgage banking fees.
Investors can further evaluate these revenue drivers and historical performance metrics on ValueRay. Founded in 1906, the company maintains a physical presence through a branch network across the Southeast while utilizing digital platforms to serve retail, small business, and corporate clients.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial real estate loan concentration increases exposure to regional economic downturns
- Mortgage banking segment profitability remains sensitive to residential refinancing volume trends
- Nashville market expansion strategy dictates long-term deposit growth and asset quality
- Regulatory capital requirements influence potential for future dividend hikes and buybacks
| Net Income: 194.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: -1.33k% < 20% (prev -1.24k%; Δ -83.57% < -1%) |
| CFO/TA 0.01 > 3% & CFO 203.3m > Net Income 194.9m |
| Net Debt (171.5m) to EBITDA (262.3m): 0.65 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.2m) vs 12m ago 11.01% < -2% |
| Gross Margin: 63.60% > 18% (prev 0.60%; Δ 6.30k% > 0.5%) |
| Asset Turnover: 7.05% > 50% (prev 5.98%; Δ 1.07% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 262.3m / Interest Expense TTM 339.9m) |
| A: -0.84 (Total Current Assets 219.7m - Total Current Liabilities 14.1b) / Total Assets 16.5b |
| B: 0.05 (Retained Earnings 893.1m / Total Assets 16.5b) |
| C: 0.02 (EBIT TTM 243.4m / Avg Total Assets 14.8b) |
| D: 0.06 (Book Value of Equity 909.3m / Total Liabilities 14.5b) |
| Altman-Z'' = -5.16 = D |
| DSRI: 0.88 (Receivables 59.8m/51.3m, Revenue 1.04b/785.4m) |
| GMI: 0.94 (GM 63.60% / 59.52%) |
| AQI: 1.11 (AQ_t 0.97 / AQ_t-1 0.88) |
| SGI: 1.33 (Revenue 1.04b / 785.4m) |
| TATA: -0.00 (NI 194.9m - CFO 203.3m) / TA 16.5b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 52.59 with a total of 244,288 shares traded.
Over the past week, the price has changed by +2.69%,
over one month by -0.94%,
over three months by -6.42% and
over the past year by +21.50%.
FB Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy FBK.
- StrongBuy: 3
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 64.4 | 22.5% |
P/E Forward = 14.881
P/S = 4.7803
P/B = 1.4127
Revenue TTM = 1.04b USD
EBIT TTM = 243.4m USD
EBITDA TTM = 262.3m USD
Long Term Debt = 213.2m USD (from longTermDebt, last quarter)
Short Term Debt = 17.4m USD (from shortTermDebt, last quarter)
Debt = 331.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 59.1m
Net Debt = 171.5m USD (calculated: Debt 331.4m - CCE 159.9m)
Enterprise Value = 2.84b USD (2.67b + Debt 331.4m - CCE 159.9m)
Interest Coverage Ratio = 0.72 (Ebit TTM 243.4m / Interest Expense TTM 339.9m)
EV/FCF = 13.32x (Enterprise Value 2.84b / FCF TTM 213.0m)
FCF Yield = 7.51% (FCF TTM 213.0m / Enterprise Value 2.84b)
FCF Margin = 20.42% (FCF TTM 213.0m / Revenue TTM 1.04b)
Net Margin = 18.68% (Net Income TTM 194.9m / Revenue TTM 1.04b)
Gross Margin = 63.60% ((Revenue TTM 1.04b - Cost of Revenue TTM 379.8m) / Revenue TTM)
Gross Margin QoQ = 67.26% (prev 67.18%)
Tobins Q-Ratio = 0.17 (Enterprise Value 2.84b / Total Assets 16.5b)
Interest Expense / Debt = 102.6% (Interest Expense 339.9m / Debt 331.4m)
Taxrate = 22.42% (16.6m / 74.2m)
NOPAT = 188.8m (EBIT 243.4m * (1 - 22.42%))
Current Ratio = 0.02 (Total Current Assets 219.7m / Total Current Liabilities 14.1b)
Debt / Equity = 0.17 (Debt 331.4m / totalStockholderEquity, last quarter 1.97b)
Debt / EBITDA = 0.65 (Net Debt 171.5m / EBITDA 262.3m)
Debt / FCF = 0.81 (Net Debt 171.5m / FCF TTM 213.0m)
Total Stockholder Equity = 1.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 194.9m / Total Assets 16.5b)
RoE = 9.93% (Net Income TTM 194.9m / Total Stockholder Equity 1.96b)
RoCE = 11.19% (EBIT 243.4m / Capital Employed (Equity 1.96b + L.T.Debt 213.2m))
RoIC = 1.15% (NOPAT 188.8m / Invested Capital 16.4b)
WACC = 8.48% (E(2.67b)/V(3.00b) * Re(9.53%) + (debt cost/tax rate unavailable))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 44.95 | Cagr: 4.86%
[DCF] Terminal Value 77.56% ; FCFF base≈186.6m ; Y1≈214.0m ; Y5≈314.9m
[DCF] Fair Price = 86.65 (EV 4.64b - Net Debt 171.5m = Equity 4.46b / Shares 51.5m; r=8.48% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.42 | EPS CAGR: 11.68% | SUE: 0.19 | # QB: 0
Revenue Correlation: 91.83 | Revenue CAGR: 14.51% | SUE: 0.88 | # QB: 4
EPS current Quarter (2026-06-30): EPS=1.16 | Chg30d=-2.05% | Revisions=-56% | Analysts=7
EPS next Quarter (2026-09-30): EPS=1.19 | Chg30d=-2.56% | Revisions=-40% | Analysts=7
EPS current Year (2026-12-31): EPS=4.68 | Chg30d=-1.53% | Revisions=-20% | GrowthEPS=+17.4% | GrowthRev=+15.4%
EPS next Year (2027-12-31): EPS=5.07 | Chg30d=-2.47% | Revisions=-40% | GrowthEPS=+8.2% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: -56%