FB Financial Corporation FBK R2K

Financial Services · Banks - Regional · United States

https://www.firstbankonline.com

FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services. The company operates in two segments, Banking and Mortgage. It offers interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies. The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking. It operates through various full-service branch locations, as well as online or mobile banking. The company serves retail and wealth consumers, small businesses, and corporate clients and owners. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.

Market & Price

Market Cap

$2.71B

Current Price

$52.69

High / Low (52W)

$61.16 / $41.92

Beta

0.97

Valuation

Stock P/E

19.44

Industry PE

12.01

Forward P/E

10.40

PEG Ratio

Book Value

$38.39

Price to Book

1.37

P/S

4.87

EV/EBITDA

Dividend Yield

1.59%

Profitability & Returns

ROCE

ROE

7.88%

ROA

0.95%

Profit Margin

25.25%

Op Margin

45.75%

EPS (Latest Qtr)

$1.10

EPS (TTM)

$2.71

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$294.88M

Total Assets

$16.30B

Current Assets

Working Capital

Ownership

Promoter Holding

2.04%

Chg in Prom Hold

-0.06%

FII / Inst Holding

79.53%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.83B

Total Revenue (TTM)

$557.67M

EBITDA

Free Cash Flow

Operating Cash Flow

$203.33M

Shares Outstanding

51.52M

Gross Margin

0.00%

Payout Ratio

28.78%

Growth (CAGR)

Revenue 5Y

2.11%

Profit 5Y

-0.52%

Revenue (YoY)

31.90%

Earnings (YoY)

31.00%

PROS

Excellent profit margin of 25.2%.

CONS

Earnings shrank at -0.5% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FBK FB Financial Corporation R2K	52.69	19.44	$2.71B	1.59%	-	7.88%	2.11%	-0.52%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	130.67M	76.86M	173.88M	179.76M	172.66M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72.06M	70.67M	89.66M	85.43M	79.39M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.83M	-9.73M	29.60M	69.82M	74.15M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.47M	-12.65M	6.23M	12.83M	16.63M
Net Income	15.90M	14.60M	15.78M	1.21M	9.75M	11.24M	8.39M	19.75M	22.07M	21.38M	19.59M	18.69M	23.97M	21.57M	745.00K	22.87M	-5.60M	45.60M	52.87M	43.29M	45.29M	35.24M	19.34M	31.83M	36.38M	35.30M	19.18M	27.95M	39.98M	10.22M	39.36M	2.91M	23.38M	56.98M	57.53M
Diluted EPS	0.93	0.85	0.92	0.07	0.40	0.43	0.27	0.63	0.70	0.68	0.62	0.59	0.76	0.68	0.02	0.70	-0.14	0.95	1.10	0.90	0.94	0.74	0.41	0.68	0.78	0.75	0.41	0.59	0.85	0.22	0.84	0.06	0.43	1.07	1.10

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	527.17M	477.79M	455.57M	561.18M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	69.19M	271.19M	309.04M	317.83M
Pretax Income	-	-	-	-	-	-	-	-	159.57M	150.29M	146.67M	138.52M
Tax Provision	-	-	-	-	-	-	-	-	35.00M	30.05M	30.62M	15.88M
Net Income	32.46M	47.86M	40.59M	52.40M	80.24M	83.81M	63.62M	-	124.56M	120.22M	116.03M	122.62M
Diluted EPS	1.89	2.79	2.10	1.86	2.55	2.65	1.67	-	2.64	2.57	2.48	2.45

Compounded Sales Growth

5 Years:	2.11%
1 Year:	31.90%

Compounded Profit Growth

5 Years:	-0.52%
1 Year:	31.00%

Stock Price Performance

1 Year:	+22.52%
6 Months:	-5.85%
3 Months:	-3.27%
1 Month:	-1.51%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	2.43B	2.90B	3.28B	4.73B	5.14B	6.12B	11.21B	-	12.85B	12.60B	13.16B	16.30B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	67.60M	49.95M	97.72M	136.33M	119.75M	125.36M	232.68M	1.32B	-	816.52M	727.61M	916.66M	942.50M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	45.68M	52.72M	49.61M	58.56M
Total Liabilities	-	-	2.66B	2.95B	4.13B	4.46B	5.36B	9.92B	-	11.52B	11.15B	11.59B	14.35B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	56.62M	44.89M	143.30M	-	304.68M	238.32M	-	425.24M	291.95M	173.03M	122.78M
Total Debt	-	-	-	-	-	-	-	-	-	494.99M	359.59M	233.05M	183.34M
Total Equity	189.69M	215.23M	236.67M	330.50M	596.73M	671.86M	762.33M	1.29B	-	1.33B	1.45B	1.57B	1.95B
Shares Outstanding	-	-	-	-	-	-	-	-	-	46.74M	46.85M	46.66M	51.75M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-245.20M	37.61M	212.21M	63.91M	-270.00M	-	799.71M	211.07M	138.80M	155.86M
Investing Cash Flow	-	-	-32.74M	-267.17M	-586.50M	-182.91M	310.14M	-	-1.75B	-55.22M	-294.00M	-32.48M
Financing Cash Flow	-	-	316.55M	212.98M	379.90M	226.33M	1.05B	-	183.72M	-371.98M	386.76M	-9.97M
Capital Expenditure	-5.42M	-5.92M	-4.78M	-4.54M	-10.14M	-6.81M	-5.93M	-	-10.63M	-20.23M	-6.55M	-8.85M
Free Cash Flow	-	-	-249.99M	33.06M	202.06M	57.09M	-275.94M	-	789.08M	190.84M	132.25M	147.01M
Net Change in Cash	-	-	-	-	-	-	-	-	-770.69M	-216.12M	231.56M	113.41M
Share Buybacks	-	-	-	241.38M	491.77M	0	0	7.59M	39.98M	4.94M	12.70M	155.91M
Dividends Paid	14.85M	25.35M	69.30M	0	6.14M	10.04M	14.26M	21.58M	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	23.6%	25.2%	25.5%	21.9%
ROE %	15.1%	20.2%	12.3%	8.8%	11.9%	11.0%	4.9%	-	9.4%	8.3%	7.4%	6.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.04%

Institutions

79.53%

Public Float

81.18%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	11.88%	6.12M	$322.53M
2	T. Rowe Price Investment Management, Inc.	7.50%	3.87M	$203.74M
3	State Street Corporation	4.40%	2.27M	$119.40M
4	Dimensional Fund Advisors LP	3.88%	2.00M	$105.41M
5	Vanguard Capital Management LLC	3.66%	1.88M	$99.29M
6	Westwood Holdings Group Inc.	2.45%	1.26M	$66.47M
7	Wellington Management Group, LLP	2.19%	1.13M	$59.49M
8	Geode Capital Management, LLC	2.02%	1.04M	$54.84M
9	Deprince, Race & Zollo, Inc.	2.01%	1.04M	$54.61M
10	LOOMIS SAYLES & CO L P	1.77%	912.60K	$48.09M

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