(FBK) FB Financial - Overview
Stock: Banking, Mortgage, Deposits, Lending
Dividends
| Dividend Yield | 1.50% |
| Yield on Cost 5y | 2.70% |
| Yield CAGR 5y | 14.64% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.8% |
| Relative Tail Risk | -17.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.54 |
| Alpha | -0.95 |
| Character TTM | |
|---|---|
| Beta | 0.969 |
| Beta Downside | 1.135 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.03% |
| CAGR/Max DD | 0.52 |
Description: FBK FB Financial January 12, 2026
FB Financial Corp (NYSE: FBK) is a bank holding company for FirstBank, delivering commercial and consumer banking services across two primary segments-Banking and Mortgage. Its product suite includes checking, savings, money-market, and time-deposit accounts; a full range of loan products (commercial, residential, construction, auto, and personal lines of credit); and mortgage origination and securitization. The firm operates a network of full- and limited-service branches throughout Tennessee, Alabama, Kentucky, North Carolina, and surrounding markets.
Key metrics from FY 2023 show a net interest margin of 3.2 % and a loan-to-deposit ratio of 78 %, reflecting a balanced growth in both assets and funding. Total deposits rose 6 % YoY to $6.9 bn, while loan balances grew 5 % to $5.5 bn, driven largely by commercial real-estate and consumer credit demand. The regional-bank sector remains sensitive to the Federal Reserve’s policy stance; a higher-for-longer rate environment supports net interest income but can pressure loan growth if borrowing costs climb sharply.
For a deeper dive into FBK’s valuation dynamics, credit metrics, and peer comparisons, you may find ValueRay’s analytical dashboard a useful next step.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 176.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.64 > 1.0 |
| NWC/Revenue: 348.4% < 20% (prev -1227 %; Δ 1576 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 127.2m > Net Income 176.7m |
| Net Debt (-822.0m) to EBITDA (156.9m): -5.24 < 3 |
| Current Ratio: 36.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (51.8m) vs 12m ago 10.43% < -2% |
| Gross Margin: 60.96% > 18% (prev 0.58%; Δ 6038 % > 0.5%) |
| Asset Turnover: 4.96% > 50% (prev 5.82%; Δ -0.87% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBITDA TTM 156.9m / Interest Expense TTM 247.2m) |
Altman Z'' 1.29
| A: 0.16 (Total Current Assets 2.62b - Total Current Liabilities 71.1m) / Total Assets 16.30b |
| B: 0.05 (Retained Earnings 846.6m / Total Assets 16.30b) |
| C: 0.01 (EBIT TTM 78.4m / Avg Total Assets 14.73b) |
| D: 0.06 (Book Value of Equity 898.4m / Total Liabilities 14.35b) |
| Altman-Z'' Score: 1.29 = BB |
What is the price of FBK shares?
Over the past week, the price has changed by +4.34%, over one month by +5.56%, over three months by +11.61% and over the past year by +18.71%.
Is FBK a buy, sell or hold?
- StrongBuy: 3
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 66.6 | 8.6% |
| Analysts Target Price | 66.6 | 8.6% |
| ValueRay Target Price | 68.4 | 11.6% |
FBK Fundamental Data Overview February 09, 2026
P/E Forward = 14.881
P/S = 6.3743
P/B = 1.6367
Revenue TTM = 730.3m USD
EBIT TTM = 78.4m USD
EBITDA TTM = 156.9m USD
Long Term Debt = 212.8m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 333.9m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -822.0m USD (from netDebt column, last fiscal year)
Enterprise Value = 1.01b USD (3.29b + Debt 333.9m - CCE 2.62b)
Interest Coverage Ratio = 0.32 (Ebit TTM 78.4m / Interest Expense TTM 247.2m)
EV/FCF = 8.55x (Enterprise Value 1.01b / FCF TTM 118.4m)
FCF Yield = 11.70% (FCF TTM 118.4m / Enterprise Value 1.01b)
FCF Margin = 16.21% (FCF TTM 118.4m / Revenue TTM 730.3m)
Net Margin = 24.19% (Net Income TTM 176.7m / Revenue TTM 730.3m)
Gross Margin = 60.96% ((Revenue TTM 730.3m - Cost of Revenue TTM 285.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 67.18%)
Tobins Q-Ratio = 0.06 (Enterprise Value 1.01b / Total Assets 16.30b)
Interest Expense / Debt = 25.59% (Interest Expense 85.4m / Debt 333.9m)
Taxrate = 18.38% (12.8m / 69.8m)
NOPAT = 64.0m (EBIT 78.4m * (1 - 18.38%))
Current Ratio = 36.81 (Total Current Assets 2.62b / Total Current Liabilities 71.1m)
Debt / Equity = 0.17 (Debt 333.9m / totalStockholderEquity, last quarter 1.95b)
Debt / EBITDA = -5.24 (Net Debt -822.0m / EBITDA 156.9m)
Debt / FCF = -6.94 (Net Debt -822.0m / FCF TTM 118.4m)
Total Stockholder Equity = 1.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 176.7m / Total Assets 16.30b)
RoE = 9.45% (Net Income TTM 176.7m / Total Stockholder Equity 1.87b)
RoCE = 3.77% (EBIT 78.4m / Capital Employed (Equity 1.87b + L.T.Debt 212.8m))
RoIC = 3.41% (NOPAT 64.0m / Invested Capital 1.88b)
WACC = 10.54% (E(3.29b)/V(3.63b) * Re(9.49%) + D(333.9m)/V(3.63b) * Rd(25.59%) * (1-Tc(0.18)))
Discount Rate = 9.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 5.03%
[DCF Debug] Terminal Value 60.43% ; FCFF base≈143.2m ; Y1≈96.5m ; Y5≈46.4m
Fair Price DCF = 27.99 (EV 626.8m - Net Debt -822.0m = Equity 1.45b / Shares 51.8m; r=10.54% [WACC]; 5y FCF grow -38.08% → 2.90% )
EPS Correlation: 83.95 | EPS CAGR: 12.74% | SUE: 0.75 | # QB: 0
Revenue Correlation: 88.88 | Revenue CAGR: 20.74% | SUE: 3.20 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.11 | Chg30d=+0.001 | Revisions Net=-2 | Analysts=7
EPS current Year (2026-12-31): EPS=4.74 | Chg30d=+0.030 | Revisions Net=+1 | Growth EPS=+18.7% | Growth Revenue=+17.0%
EPS next Year (2027-12-31): EPS=5.20 | Chg30d=+0.033 | Revisions Net=+0 | Growth EPS=+9.7% | Growth Revenue=+7.6%