Overview Dividends

(FBK) FB Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US30257X1046

Banking, Mortgage, Loans, Deposits, Trust

Regional Banks
Market Cap in USD: 2,983m

IPO / Inception: 2016-09-16
Return 12m vs S&P 500: 0.53%

EPS (Earnings per Share)

EPS CAGR: 5.03%
EPS Trend: 63.1%

Last SUE: 2.17
Qual. Beats: 1

Revenue

Rev. CAGR: 3.94%
Rev. Trend: 76.9%

Last SUE: 0.07
Qual. Beats: 0

Dividends

Dividend Yield	1.29%
Yield on Cost 5y	2.19%
Yield CAGR 5y	14.64%
Payout Consistency	100.0%
Payout Ratio	20.8%

Risk via 5d forecast
Volatility	36.0%
Value at Risk 5%th	49.3%
Relative Tail Risk	-16.81%

Reward TTM
Sharpe Ratio	0.57
Alpha	-0.22
CAGR/Max DD	0.51

Character TTM
Hurst Exponent	0.441
Beta	0.981
Beta Downside	1.156

Drawdowns 3y
Max DD	36.05%
Mean DD	12.40%
Median DD	10.25%

Description: FBK FB Financial November 09, 2025

FB Financial Corporation (NYSE: FBK) is a bank holding company for FirstBank, delivering commercial and consumer banking services across the southeastern United States. It operates two primary segments-Banking and Mortgage-offering a full suite of deposit products (checking, savings, money-market, and time deposits), loan products (commercial, residential, construction, and consumer credit), and ancillary services such as trust, insurance, and investment solutions. Its branch network spans Tennessee, Alabama, Kentucky, North Carolina, and surrounding markets.

As of the most recent quarterly filing, FBK reported a loan-to-deposit ratio of roughly 78%, a net interest margin (NIM) of 3.2%, and a return on assets (ROA) near 0.9%, reflecting modest profitability typical of regional banks. The company’s loan growth has been driven by rising demand for residential mortgages and construction financing, while higher Federal Reserve rates have increased net interest income but also pressure credit quality. Additionally, the regional banking sector faces headwinds from tightening credit spreads and competition from fintech platforms, which could affect deposit inflows and fee-based revenue.

If you want a deeper, data-rich perspective on FBK’s valuation and risk profile, a quick look at the ValueRay platform can surface the most recent analyst estimates and scenario analyses.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (124.0m TTM) > 0 and > 6% of Revenue (6% = 51.0m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1105 % (prev -1140 %; Δ 34.50pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 182.5m > Net Income 124.0m (YES >=105%, WARN >=100%)

Net Debt (-670.1m) to EBITDA (135.7m) ratio: -4.94 <= 3.0 (WARN <= 3.5)

Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (53.5m) change vs 12m ago 14.22% (target <= -2.0% for YES)

Gross Margin 66.67% (prev 58.43%; Δ 8.24pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.84% (prev 5.77%; Δ 0.06pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.27 (EBITDA TTM 135.7m / Interest Expense TTM 329.4m) >= 6 (WARN >= 3)

Altman Z'' -3.53

(A) -0.58 = (Total Current Assets 1.87b - Total Current Liabilities 11.28b) / Total Assets 16.24b

(B) 0.05 = Retained Earnings (Balance) 799.9m / Total Assets 16.24b

(D) 0.06 = Book Value of Equity 853.4m / Total Liabilities 14.26b

Total Rating: -3.53 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 59.54

1. Piotroski 3.0pt

2. FCF Yield 5.30%

3. FCF Margin 13.92%

4. Debt/Equity 0.12

5. Debt/Ebitda -4.94

6. ROIC - WACC (= -7.26)%

7. RoE 6.96%

8. Rev. Trend 76.87%

9. EPS Trend 63.05%

What is the price of FBK shares?

As of January 09, 2026, the stock is trading at USD 58.90 with a total of 193,336 shares traded.
Over the past week, the price has changed by +4.95%, over one month by +3.57%, over three months by -0.18% and over the past year by +18.96%.

Is FBK a buy, sell or hold?

FB Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy FBK.

Strong Buy: 3
Buy: 0
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the FBK price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	65.5	11.2%
Analysts Target Price	65.5	11.2%
ValueRay Target Price	64.9	10.3%

FBK Fundamental Data Overview January 03, 2026

P/E Trailing = 25.9535
P/E Forward = 14.881
P/S = 6.448
P/B = 1.5082
Beta = 0.987
Revenue TTM = 850.7m USD
EBIT TTM = 89.2m USD
EBITDA TTM = 135.7m USD
Long Term Debt = 105.0m USD (from longTermDebt, last quarter)
Short Term Debt = 13.5m USD (from shortTermDebt, last fiscal year)
Debt = 246.6m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -670.1m USD (from netDebt column, last fiscal year)
Enterprise Value = 2.23b USD (2.98b + Debt 246.6m - CCE 996.6m)
Interest Coverage Ratio = 0.27 (Ebit TTM 89.2m / Interest Expense TTM 329.4m)
FCF Yield = 5.30% (FCF TTM 118.4m / Enterprise Value 2.23b)
FCF Margin = 13.92% (FCF TTM 118.4m / Revenue TTM 850.7m)
Net Margin = 14.58% (Net Income TTM 124.0m / Revenue TTM 850.7m)
Gross Margin = 66.67% ((Revenue TTM 850.7m - Cost of Revenue TTM 283.5m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 52.92%)
Tobins Q-Ratio = 0.14 (Enterprise Value 2.23b / Total Assets 16.24b)
Interest Expense / Debt = 36.36% (Interest Expense 89.7m / Debt 246.6m)
Taxrate = 21.04% (6.23m / 29.6m)
NOPAT = 70.4m (EBIT 89.2m * (1 - 21.04%))
Current Ratio = 0.17 (Total Current Assets 1.87b / Total Current Liabilities 11.28b)
Debt / Equity = 0.12 (Debt 246.6m / totalStockholderEquity, last quarter 1.98b)
Debt / EBITDA = -4.94 (Net Debt -670.1m / EBITDA 135.7m)
Debt / FCF = -5.66 (Net Debt -670.1m / FCF TTM 118.4m)
Total Stockholder Equity = 1.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 124.0m / Total Assets 16.24b)
RoE = 6.96% (Net Income TTM 124.0m / Total Stockholder Equity 1.78b)
RoCE = 4.73% (EBIT 89.2m / Capital Employed (Equity 1.78b + L.T.Debt 105.0m))
RoIC = 3.82% (NOPAT 70.4m / Invested Capital 1.84b)
WACC = 11.09% (E(2.98b)/V(3.23b) * Re(9.63%) + D(246.6m)/V(3.23b) * Rd(36.36%) * (1-Tc(0.21)))
Discount Rate = 9.63% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.74%
[DCF Debug] Terminal Value 58.81% ; FCFF base≈143.2m ; Y1≈96.5m ; Y5≈46.5m
Fair Price DCF = 23.67 (EV 595.5m - Net Debt -670.1m = Equity 1.27b / Shares 53.5m; r=11.09% [WACC]; 5y FCF grow -38.08% → 3.0% )
[DCF Warning] FCF declining rapidly (-38.08%), DCF may be unreliable
EPS Correlation: 63.05 | EPS CAGR: 5.03% | SUE: 2.17 | # QB: 1
Revenue Correlation: 76.87 | Revenue CAGR: 3.94% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.10 | Chg30d=+0.020 | Revisions Net=+2 | Analysts=7
EPS next Year (2026-12-31): EPS=4.71 | Chg30d=+0.071 | Revisions Net=+2 | Growth EPS=+21.7% | Growth Revenue=+20.6%

Additional Sources for FBK Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle