FBK

NEUTRAL

$53.58 Live

FB Financial Corporation · NYSE

Target $64.86 (+21.0%)

$41.73 52W Range $62.37

FBK FB Financial Corporation - Fundamental Analysis

NEUTRAL

Console Chart News

FBK Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$53.58

Analyst Target

$64.86

+21.0% Upside

52W High

$62.37

52W Low

$41.73

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$2.75B

P/E

21.87

ROE

7.9%

Profit margin

25.2%

Debt/Equity

N/A

Dividend yield

1.57%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

FBK presents a stark contrast between aggressive growth and deteriorating fundamental health, highlighted by a critical Piotroski F-Score of 2/9. While the company demonstrates impressive YoY revenue and earnings growth (~31%) and a consistent track record of earnings beats, the low health score and bearish insider sentiment are significant red flags. The stock currently trades at a premium to its Graham Number ($46.0) but remains below its growth-based intrinsic value ($72.28). The bullish analyst consensus is heavily countered by poor deterministic health metrics and a bearish technical trend.

Key Strengths

Strong YoY Revenue and Earnings growth exceeding 31%

Consistent earnings beat track record over 25 quarters

Attractive Forward P/E of 10.47 compared to current P/E of 21.87

Conservative dividend payout ratio of 31.02%

Strong analyst consensus with a 'strong_buy' recommendation

Key Risks

Critical Piotroski F-Score (2/9) indicating weak financial health

Bearish insider activity with net selling in the last 6 months

Technical trend is completely bearish (0/100)

Low ROE (7.88%) and ROA (0.95%) relative to growth expectations

Regional banking sector exposure to interest rate volatility

AI Fair Value Estimate

Based on comprehensive analysis

$59.14

+10.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Growth-driven but fundamentally fragile

Key drivers: High YoY growth, Poor Piotroski F-Score, Bearish technicals/insiders, Strong earnings history

Confidence

85%

Value

60/100

Ref P/E 21.87, Graham Number $46.0, Intrinsic $72.28

Positives

Trades below intrinsic value
Forward P/E is low

Watchpoints

Trades above Graham Number
P/E is higher than forward expectations

Future

85/100

Ref Growth rates

Positives

31.9% Revenue growth
31% Earnings growth
Strong Q/Q momentum

Watchpoints

Recent Q/Q EPS growth dip (-3.4%)

Past

90/100

Ref Historical trends

Positives

Consistent earnings beats (3/4 last year)
Long-term 3Y price appreciation (+98.6%)

Watchpoints

Occasional misses in 2022

Health

20/100

Ref Piotroski F-Score

Positives

Positive profit margins

Watchpoints

Piotroski F-Score of 2/9 is very weak
Lack of Altman Z-Score data

Dividend

50/100

Ref Yield, Payout

Positives

Sustainable payout ratio (31%)

Watchpoints

Low dividend yield (1.57%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$53.58

Analyst Target

$64.86

Upside/Downside

+21.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FBK and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
FBK FB Financial Corporation Primary	+32.4%	+98.6%	+28.6%	-3.2%	+3.3%	-0.8%
CVBF CVB Financial Corp. Peer	+16.5%	+51.4%	+19.3%	+10.6%	+6.6%	-1.0%
BHFAP Brighthouse Financial, Inc. Peer	-13.9%	-16.8%	-18.5%	+8.0%	+10.1%	+2.6%
SEZL Sezzle Inc. Peer	+497.3%	+497.3%	+80.2%	+9.3%	+23.2%	+35.2%
BOH Bank of Hawaii Corporation Peer	+7.4%	+9.8%	+3.7%	+10.1%	+0.7%	-0.6%

FBK

FB Financial Corporation

Primary

+32.4%

+98.6%

+28.6%

-3.2%

+3.3%

-0.8%

CVB

CVB Financial Corp.

Peer

+16.5%

+51.4%

+19.3%

+10.6%

+6.6%

-1.0%

BHF

Brighthouse Financial, Inc.

Peer

-13.9%

-16.8%

-18.5%

+8.0%

+10.1%

+2.6%

SEZ

Sezzle Inc.

Peer

+497.3%

+80.2%

+9.3%

+23.2%

+35.2%

BOH

Bank of Hawaii Corporation

Peer

+7.4%

+9.8%

+3.7%

+10.1%

+0.7%

-0.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

21.87

10.47

N/A

1.4

4.94

3.35

N/A

$2.75B

Profitability

Profit margins and return metrics

Profit Margin 25.25%

Operating Margin 45.75%

Gross Margin N/A

ROE 7.88%

ROA 0.95%

Growth

Revenue and earnings growth rates

Revenue Growth +31.9%

Earnings Growth +31.0%

Q/Q Revenue Growth +37.88%

Q/Q Earnings Growth +46.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$22.52

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Net Margin

31.7%

Total Assets

$16.3B

Liabilities

$14.4B

Equity

$1.9B

Debt/Equity

7.37x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-13

$N/A

2026-04-13

$1.12

+1.0% surprise

2026-01-21

$1.16

+3.3% surprise

2025-10-14

$1.07

+11.5% surprise

Financial Services Sector Comparison

Comparing FBK against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

P/E Ratio

21.87

This Stock

38.21

Sector Avg

-42.8% (Discount)

Return on Equity (ROE)

7.88%

This Stock

-1.82%

Sector Avg

-532.5% (Below Avg)

Profit Margin

25.25%

This Stock

75.74%

Sector Avg

-66.7% (Weaker)

Revenue Growth

31.9%

This Stock

37.18%

Sector Avg

-14.2% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FBK FB Financial Corporation	NEUTRAL	$2.75B	21.87	7.9%	25.2%	$53.58
CVBF CVB Financial Corp.	BULLISH	$2.76B	13.35	9.3%	40.3%	$20.29	Compare
BHFAP Brighthouse Financial, Inc.	BEARISH	$2.76B	1.32	16.2%	12.3%	$16.62	Compare
SEZL Sezzle Inc.	BULLISH	$2.76B	21.7	103.3%	29.6%	$80.71	Compare
BOH Bank of Hawaii Corporation	NEUTRAL	$2.82B	18.06	10.7%	27.2%	$70.8	Compare

FBK FB Financial Corporation

NEUTRAL

Mkt Cap

$2.8B

P/E

21.9

ROE

7.9%

Price

$53.58

CVBF CVB Financial Corp.

Compare with FBK

Compare with FBK

Compare with FBK

BOH Bank of Hawaii...

Compare with FBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-25	HAMILTON AIMEE T	Officer	Stock Award	6,856	-
2026-02-25	SIMS BETH W	General Counsel	Stock Award	7,873	-
2026-02-25	HICKMAN MARK	Officer	Stock Award	1,891	-
2026-02-25	TANSIL SCOTT J.	Chief Operating Officer	Stock Award	2,063	-
2026-02-25	PEERY ROBERT WADE	Chief Technology Officer	Stock Award	2	-
2026-02-25	METTEE MICHAEL M.	Chief Operating Officer	Stock Award	13,207	-
2026-02-25	EDMONDSON TRAVIS K	Officer	Stock Award	9,933	-
2026-02-25	HOLMES CHRISTOPHER T	Chief Executive Officer	Stock Award	53,315	-
2026-01-30	PINSON CHARLES WRIGHT	Director	Stock Award	261	$15,015
2026-01-30	CLARK AGENIA W	Director	Stock Award	131	$7,536
2026-01-30	INGRAM ORRIN H II	Director	Stock Award	261	$15,015
2026-01-30	CARPENTER WILLIAM F III	Director	Stock Award	261	$15,015
2026-01-15	MCPHERSON JAMES AUSTIN	Beneficial Owner of more than 10% of a Class of Security	Sale	8,500	$510,510
2025-12-11	CLARK AGENIA W	Director	Sale	1,210	$71,608
2025-12-10	HOLMES CHRISTOPHER T	Chief Executive Officer	Gift	400	-

HAMILTON AIMEE T

Officer

Stock Award

2026-02-25

6,856 shares

SIMS BETH W

General Counsel

Stock Award

2026-02-25

7,873 shares

HICKMAN MARK

Officer

Stock Award

2026-02-25

1,891 shares

TANSIL SCOTT J.

Chief Operating Officer

Stock Award

2026-02-25

2,063 shares

PEERY ROBERT WADE

Chief Technology Officer

Stock Award

2026-02-25

2 shares

METTEE MICHAEL M.

Chief Operating Officer

Stock Award

2026-02-25

13,207 shares

EDMONDSON TRAVIS K

Officer

Stock Award

2026-02-25

9,933 shares

HOLMES CHRISTOPHER T

Chief Executive Officer

Stock Award

2026-02-25

53,315 shares

PINSON CHARLES WRIGHT

Director

Stock Award

2026-01-30

261 shares · $15,015

CLARK AGENIA W

Director

Stock Award

2026-01-30

131 shares · $7,536

INGRAM ORRIN H II

Director

Stock Award

2026-01-30

261 shares · $15,015

CARPENTER WILLIAM F III

Director

Stock Award

2026-01-30

261 shares · $15,015

MCPHERSON JAMES AUSTIN

Beneficial Owner of more than 10% of a Class of Security

Sell

2026-01-15

8,500 shares · $510,510

CLARK AGENIA W

Director

Sell

2025-12-11

1,210 shares · $71,608

HOLMES CHRISTOPHER T

Chief Executive Officer

Gift

2025-12-10

400 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-13

FBK likely filed this 8-K to announce its first-quarter financial results for 2026.

DEF 14A

2026-04-06

FBK filed a definitive proxy statement on April 6, 2026, providing shareholders with necessary information to vote on matters at the company's annual meeting.

10-K

2026-02-26

FBK filed its annual 10-K report on February 26, 2026. While specific financial metrics and risk details were not provided in the excerpts, the filing includes comprehensive disclosures within the Business, Risk Factors, and MD&A sections.

8-K

2026-02-11

FBK filed an 8-K on February 11, 2026, likely to announce its fourth quarter and full-year financial results.

8-K

2026-02-03

FBK reported its annual financial results for the fiscal year ended December 31, 2025.

8-K

2026-01-21

FBK filed an 8-K on January 21, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2025-12-04

8-K

FORM 8-K

2025-11-14

FirstBank (FBK) filed an 8-K on November 14, 2025, likely to announce its quarterly financial results.

8-K

FORM 8-K

2025-11-13

FirstBank (FBK) filed an 8-K on November 13, 2025, likely to announce its third-quarter financial results.

10-Q

2025-11-07

As of September 30, 2025, FBK demonstrated significant growth, with total assets increasing to $16.2 billion and total deposits rising to $13.8 billion compared to the prior year. Three-month total interest income grew to $236.9 million from $185.6 million, while total common shareholders' equity increased to $1.98 billion. Potential risks are indicated by an increase in the allowance for credit losses on loans HFI, which rose to $185 million from $156 million.

8-K

2025-11-05

8-K

2025-10-14

8-K

2025-09-18

8-K

2025-09-15

8-K

2025-09-05

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

STRONG_BUY

7 analysts

Keefe, Bruyette & Woods

2026-04-15

Maintains

Outperform Outperform

Cantor Fitzgerald

2026-04-15

reit

Overweight Overweight

Cantor Fitzgerald

2026-04-14

reit

Overweight Overweight

Raymond James

2026-04-07

Market Perform Strong Buy

Piper Sandler

2026-04-02

Neutral Overweight

Piper Sandler

2026-01-23

down

Overweight Neutral

Past News Coverage

Recent headlines mentioning FBK from our newsroom.

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FBK

FBK FB Financial Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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