FBK Stock Analysis: FB Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.943m USD | 12M Return: 20.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 24.1M
EPS Trend: 94.9%
Qual. Beats: 0
Rev. Trend: 93.0%
Qual. Beats: 5
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 9.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FB Financial Corporation (NYSE: FBK) is a Tennessee-based bank holding company that operates FirstBank, providing commercial and consumer banking services through two reportable segments: Banking and Mortgage. As a regional bank holding company, FBK offers a full suite of deposit products-including interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts-alongside a broad lending portfolio spanning commercial real estate, residential mortgages, construction, commercial and industrial loans, and consumer products such as auto and personal lines of credit.
The Mortgage segment complements core banking activities by originating residential mortgage loans and providing loan securitization services to third-party private investors and government-sponsored agencies. Beyond traditional lending and deposits, FBK also engages in securities underwriting, insurance underwriting, and merchant banking, and distributes its services through a network of full-service branches supplemented by online and mobile banking channels. Its customer base spans retail and wealth consumers, small businesses, and corporate clients, primarily across its regional footprint.
The company was founded in 1906 and is headquartered in Nashville, Tennessee. It was formerly known as First South Bancorp, Inc. and adopted its current name in 2016, the same year it completed its IPO. As a mid-cap regional bank, FBK operates within a competitive landscape alongside other community and mid-sized U.S. banks, where success typically depends on net interest margin, loan growth, deposit gathering, and the efficiency of fee-based services such as mortgage origination and wealth management.
- Net interest margin compresses as Fed cuts rates pressure asset yields
- Mortgage origination volume declines with sustained elevated rates
- Commercial real estate loan portfolio faces regional bank credit scrutiny
| Net Income: 230.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.64 > 1.0 |
| NWC/Revenue: 11.84% < 20% (prev -1.32k%; Δ 1.33k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 203.3m > Net Income 230.1m |
| Net Debt (284.5m) to EBITDA (299.1m): 0.95 < 3 |
| Current Ratio: 2.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (51.7m) vs 12m ago -4.19% < -2% |
| Gross Margin: 66.54% > 18% (prev 56.85%; Δ 9.69% > 0.5%) |
| Asset Turnover: 6.27% > 50% (prev 5.21%; Δ 1.06% > 0%) |
| Interest Coverage Ratio: 0.87 > 6 (EBIT TTM 286.9m / Interest Expense TTM 330.7m) |
| A: 0.01 (Total Current Assets 205.8m - Total Current Liabilities 83.3m) / Total Assets 16.8b |
| B: 0.06 (Retained Earnings 940.8m / Total Assets 16.8b) |
| C: 0.02 (EBIT TTM 286.9m / Avg Total Assets 16.5b) |
| D: 0.13 (Book Value of Equity 1.94b / Total Liabilities 14.9b) |
| Altman-Z'' = 0.48 = B |
| DSRI: 0.79 (Receivables 58.8m/60.8m, Revenue 1.04b/845.9m) |
| GMI: 0.85 (GM 56.85% / 66.54%) |
| AQI: 1.20 (AQ_t 0.97 / AQ_t-1 0.81) |
| SGI: 1.22 (Revenue 1.04b / 845.9m) |
| TATA: 0.00 (NI 230.1m - CFO 203.3m) / TA 16.8b) |
| Beneish M = -3.05 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 58.88 with a total of 197,324 shares traded. Over the past week, the price has changed by -1.04%, over one month by +6.84%, over three months by +8.85% and over the past year by +20.71%.
Current recommended Stop Loss: 57.30 (which is 2.7% or 1.2 ATR below the current price).
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 | 66.1 | 12.2% |
P/E Trailing = 15.5794
P/E Forward = 14.881
P/S = 4.5225
P/B = 1.5309
Revenue TTM = 1.04b USD
EBIT TTM = 286.9m USD
EBITDA TTM = 299.1m USD
Long Term Debt = 212.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 99.9m USD (from shortTermDebt, last fiscal year)
Debt = 431.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 59.1m
Net Debt = 284.5m USD (calculated: Debt 431.6m - CCE 147.0m)
Enterprise Value = 3.23b USD (2.94b + Debt 431.6m - CCE 147.0m)
Interest Coverage Ratio = 0.87 (Ebit TTM 286.9m / Interest Expense TTM 330.7m)
EV/FCF = 17.05x (Enterprise Value 3.23b / FCF TTM 189.3m)
FCF Yield = 5.87% (FCF TTM 189.3m / Enterprise Value 3.23b)
FCF Margin = 18.29% (FCF TTM 189.3m / Revenue TTM 1.04b)
Net Margin = 22.23% (Net Income TTM 230.1m / Revenue TTM 1.04b)
Gross Margin = 66.54% ((Revenue TTM 1.04b - Cost of Revenue TTM 346.3m) / Revenue TTM)
Gross Margin QoQ = 64.51% (prev 67.26%)
Tobins Q-Ratio = 0.19 (Enterprise Value 3.23b / Total Assets 16.8b)
Interest Expense / Debt = 76.63% (Interest Expense 330.7m / Debt 431.6m)
Taxrate = 19.79% (56.8m / 286.9m)
NOPAT = 230.2m (EBIT 286.9m * (1 - 19.79%))
Current Ratio = 2.47 (Total Current Assets 205.8m / Total Current Liabilities 83.3m)
Debt / Equity = 0.22 (Debt 431.6m / totalStockholderEquity, last quarter 1.94b)
Debt / EBITDA = 0.95 (Net Debt 284.5m / EBITDA 299.1m)
Debt / FCF = 1.50 (Net Debt 284.5m / FCF TTM 189.3m)
Total Stockholder Equity = 1.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.39% (Net Income 230.1m / Total Assets 16.8b)
RoE = 11.79% (Net Income TTM 230.1m / Total Stockholder Equity 1.95b)
RoCE = 13.26% (EBIT 286.9m / Capital Employed (Equity 1.95b + L.T.Debt 212.8m))
RoIC = 1.37% (NOPAT 230.2m / Invested Capital 16.8b)
WACC = 8.24% (E(2.94b)/V(3.37b) * Re(9.45%) + (debt cost/tax rate unavailable))
Discount Rate = 9.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 79.33 | Cagr: 4.32%
[DCF] Terminal Value 77.97% ; FCFF base≈145.4m ; Y1≈166.7m ; Y5≈245.3m
[DCF] Fair Price = 68.16 (EV 3.69b - Net Debt 284.5m = Equity 3.41b / Shares 50.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.93 | EPS CAGR: 14.53% | SUE: 0.0 | # QB: 0
Revenue Correlation: 93.00 | Revenue CAGR: 15.61% | SUE: 0.89 | # QB: 5
EPS current Quarter (2026-09-30): EPS=1.20 | Chg30d=+0.72% | Revisions=-25% | Analysts=7
EPS current Year (2026-12-31): EPS=4.68 | Chg30d=-0.04% | Revisions=-25% | GrowthEPS=+17.4% | GrowthRev=+14.3%
EPS next Year (2027-12-31): EPS=5.14 | Chg30d=+1.34% | Revisions=-25% | GrowthEPS=+9.7% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -50% (up=0, down=3)