FB Financial Corporation (FBK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FB Financial Corporation (FBK) trades at $56.70 with AI Score 52/100 (Grade B). FB Financial Corporation, through its subsidiary FirstBank, provides a range of banking and financial services. Market cap: $2.92B, Sector: Financial services.
Price live · AI analysis from May 10, 2026FBK stock analysis for 2026: Analysts have set a consensus price target of $65.00 for FB Financial Corporation, suggesting 14.6% upside from the current price of $56.70. The AI MoonshotScore is 52/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
FBK: 4/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →FB Financial Corporation (FBK) Financial Services Profile
FB Financial Corporation, operating as FirstBank, delivers comprehensive banking services across the Southeastern US. With a focus on commercial and consumer clients, the company leverages its regional branch network and digital platforms, positioning itself in a competitive landscape of regional and national banks while maintaining a solid profitability profile.
What Is the Investment Thesis for FBK?
FB Financial Corporation presents a compelling investment case based on its established regional presence and diversified service offerings. With a market capitalization of $2.92B and a P/E ratio of 18.8, the company demonstrates solid financial metrics. A profit margin of 15.2% and a gross margin of 60.2% highlight operational efficiency. The company's growth catalysts include expansion within the Southeastern US and increased adoption of digital banking services. The dividend yield of 1.44% provides a steady income stream. However, investors may want to evaluate risks such as interest rate sensitivity and competition from larger national banks. The company's beta of 0.98 indicates moderate volatility relative to the market.
Based on FMP financials and quantitative analysis
FBK Key Highlights
- Market capitalization of $2.92B, reflecting a substantial regional banking presence.
- P/E ratio of 18.8, indicating a moderate valuation compared to earnings.
- Profit margin of 15.2%, showcasing efficient profitability in the banking sector.
- Gross margin of 60.2%, highlighting strong revenue management.
- Dividend yield of 1.44%, providing a consistent income stream for investors.
Who Are FBK's Competitors?
FBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FHB First Hawaiian, Inc. | $30.32 | +1.15% | $3.69B | 91 |
| BKU BankUnited, Inc. | $49.45 | +1.80% | $3.59B | 68 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FBK's Key Strengths?
- Strong regional presence in the Southeastern US.
- Diversified banking and mortgage services.
- Established brand reputation.
- Solid financial performance with healthy profit margins.
What Are FBK's Weaknesses?
- Limited geographic diversification.
- Reliance on traditional banking model.
- Smaller scale compared to national banks.
- Sensitivity to interest rate fluctuations.
What Could Drive FBK Stock Higher?
- Expansion into new markets within the Southeastern US, driving revenue growth.
- Increased adoption of digital banking services, improving operational efficiency.
- Potential strategic acquisitions of smaller banks, expanding market share.
- Growth in mortgage originations, capitalizing on housing demand.
What Are the Key Risks for FBK?
- Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Competition from larger national banks.
- Sensitivity to interest rate fluctuations.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for FBK?
- Expansion within the Southeastern US: FB Financial can leverage its existing branch network and brand recognition to expand further into neighboring states. The Southeastern US is experiencing population and economic growth, creating opportunities for increased loan demand and deposit growth. This expansion could increase market share by 5% over the next three years.
- Increased adoption of digital banking services: Investing in and promoting digital banking platforms can attract younger customers and improve operational efficiency. The market for digital banking is projected to grow by 10% annually, reaching $10 billion by 2028. FB Financial can capture a larger share of this market by enhancing its mobile and online banking offerings.
- Strategic acquisitions of smaller community banks: Acquiring smaller banks in adjacent markets can provide immediate access to new customers and branch locations. The market for community bank acquisitions is active, with potential targets available at reasonable valuations. A successful acquisition could add $500 million in assets within two years.
- Growth in mortgage origination business: Capitalizing on the demand for housing in the Southeastern US, FB Financial can expand its mortgage origination business. The mortgage market is expected to remain strong, driven by low interest rates and population growth. Increasing mortgage originations by 15% annually is achievable with targeted marketing and competitive rates.
- Development of specialized financial services for businesses: Offering tailored financial solutions for specific industries, such as healthcare or technology, can attract high-value business clients. The market for specialized financial services is growing, with businesses seeking customized solutions. Developing these services could increase commercial loan volume by 20% over the next five years.
What Opportunities Does FBK Have?
- Expansion into new markets within the Southeast.
- Increased adoption of digital banking technologies.
- Strategic acquisitions of smaller banks.
- Growth in mortgage originations.
What Threats Does FBK Face?
- Competition from larger national banks.
- Economic downturns affecting loan demand.
- Regulatory changes increasing compliance costs.
- Cybersecurity risks and data breaches.
What Are FBK's Competitive Advantages?
- Established regional presence and brand recognition in the Southeastern US.
- Diversified service offerings across banking and mortgage segments.
- Strong customer relationships built over a long history.
- Extensive branch network providing convenient access to customers.
What Does FBK Do?
FB Financial Corporation, founded in 1906 and headquartered in Nashville, Tennessee, operates as the bank holding company for FirstBank. Originally known as First South Bancorp, Inc., the company rebranded in 2016 to reflect its evolving market presence. FirstBank provides a comprehensive suite of commercial and consumer banking services, targeting businesses, professionals, and individuals. Its operations are divided into two segments: Banking and Mortgage. The Banking segment offers a variety of deposit accounts, including checking, demand, money market, and savings accounts, as well as time deposits and certificates of deposit. Lending products encompass commercial real estate, residential mortgages, multi-family residential, commercial and industrial, construction, land acquisition, and consumer loans. The Mortgage segment focuses on mortgage origination services, delivered through bank branches, an internet channel, and mortgage offices across the southeastern United States. As of December 31, 2021, FirstBank operated 82 full-service and 9 limited-service branches across Tennessee, North Alabama, Southern Kentucky, and North Georgia, along with 23 mortgage offices. The company also provides trust, insurance, and investment services, enhancing its customer value proposition.
What Products and Services Does FBK Offer?
- Provides commercial and consumer banking services
- Offers checking, savings, and money market accounts
- Provides residential and commercial real estate loans
- Offers consumer loans, including car and boat loans
- Engages in mortgage origination services
- Provides trust, insurance, and investment services
- Offers online and mobile banking services
How Does FBK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Profits from mortgage origination and sales.
- Provides trust, insurance, and investment services for fees.
What Industry Does FBK Operate In?
FB Financial Corporation operates within the regional banking sector, which is characterized by increasing consolidation and technological disruption. The industry is influenced by interest rate fluctuations, regulatory changes, and economic cycles. Competition includes both regional players and larger national banks. Market trends favor digital banking solutions and personalized customer service. FB Financial's focus on the Southeastern US positions it to capitalize on regional economic growth, while its diversified service offerings help mitigate risks associated with specific market segments.
Who Are FBK's Key Customers?
- Businesses of various sizes across different industries.
- Professionals, such as doctors and lawyers.
- Individual consumers seeking banking and mortgage services.
- Real estate developers and investors.
ROE 7%Key Financial Metrics
Return on equity for FB Financial Corporation stands at 7.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. FBK trades at a trailing price-to-earnings ratio of 18.85, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 6.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 12.60 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.0%, the inverse of the P/E and a quick read on earnings relative to price.
FB Financial Corporation (FBK) Valuation Context
Valued at $2.92B, FBK is classified as a mid-cap stock. Relative to its peer group, FBK's quantitative score of 52/100 is below the peer average of 73/100.
Company Profile
FB Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Nashville, US. The company is led by CEO Christopher T. Holmes. FBK has traded publicly since 2016.
F-Score 6/9Financial Health
FB Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project FB Financial Corporation revenue of about $717.6M for fiscal 2026, with EPS near $4.67. The estimate reflects 5 contributing analysts.
FBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- FBK insiders seem to be positioning themselves for growth, which is usually a good sign.
- The community is buzzing about potential partnerships that could significantly expand FBK's market reach.
- There's a growing narrative that FBK is undervalued compared to its peers, attracting attention from value investors.
- FBK is gaining traction in a key emerging market, which could unlock substantial revenue streams.
Bear Case
- Despite positive sentiment, some worry FBK's core business model is becoming outdated.
- Community members are raising concerns about increasing competition eroding FBK's market share.
- Recent regulatory changes could create headwinds for FBK, impacting profitability.
- There's a sense that FBK's innovation pipeline is drying up, potentially hindering future growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
FBK Latest News
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Fifth Third Bancorp And 2 Stocks Possibly Undervalued For Consideration
Simply Wall St. · May 21, 2026
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Q1 Rundown: FB Financial (NYSE:FBK) Vs Other Regional Banks Stocks
Yahoo! Finance: FBK News · May 14, 2026
FBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FBK.
Price Targets
Consensus target: $65.00
FBK MoonshotScore
What does this score mean?
The MoonshotScore rates FBK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest FB Financial Corporation Analysis
Leadership: Christopher T. Holmes
CEO
Christopher T. Holmes serves as the CEO of FB Financial Corporation, leading the company's strategic direction and overseeing its operations. His career spans several decades in the financial services industry, with a focus on community banking and regional expansion. Prior to joining FB Financial, Holmes held leadership positions at various financial institutions, demonstrating expertise in lending, risk management, and customer service. He holds a degree in Business Administration and has completed executive education programs at leading universities.
Track Record: Under Christopher T. Holmes' leadership, FB Financial Corporation has experienced significant growth and expansion. He spearheaded the company's rebranding efforts and oversaw the acquisition of several smaller banks, increasing its market share in the Southeastern US. Holmes has also focused on enhancing the company's digital banking capabilities and improving customer satisfaction. The company has maintained strong financial performance and profitability under his tenure.
What Investors Ask About FB Financial Corporation (FBK) — Financial Services
What does FB Financial Corporation do?
FB Financial Corporation operates as the holding company for FirstBank, a regional bank providing a comprehensive suite of financial services to businesses, professionals, and individuals. The company offers a range of deposit products, including checking, savings, and money market accounts, as well as lending solutions such as commercial real estate, residential mortgages, and consumer loans. FirstBank also provides mortgage origination services, trust, insurance, and investment services, and online and mobile banking options. The company operates primarily in Tennessee, North Alabama, Southern Kentucky, and North Georgia.
What do analysts say about FBK stock?
Analyst consensus on FB Financial Corporation (FBK) reflects a generally positive outlook, citing the company's strong regional presence and diversified service offerings. Key valuation metrics, such as the P/E ratio of 18.8, suggest a moderate valuation compared to earnings. Growth considerations include the company's expansion plans within the Southeastern US and its investments in digital banking technologies. Analysts also note potential risks, such as interest rate sensitivity and competition from larger national banks. Overall, the consensus points to a stable and growing financial institution with opportunities for continued success.
What are the main risks for FBK?
FB Financial Corporation faces several key risks, including economic downturns that could affect loan demand and credit quality. Regulatory changes, such as increased capital requirements or compliance costs, could also impact profitability. Competition from larger national banks poses a threat to market share. The company's sensitivity to interest rate fluctuations could affect its net interest margin. Additionally, cybersecurity risks and data breaches are ongoing concerns that could damage the company's reputation and financial performance. Effective risk management is crucial for mitigating these potential challenges.
What is FB Financial Corporation's credit quality and risk management approach?
FB Financial Corporation's credit quality is a critical aspect of its financial health. The company's loan portfolio is diversified across various sectors, including commercial real estate, residential mortgages, and consumer loans. Provision levels are maintained to cover potential loan losses, reflecting a conservative approach to risk management. The company employs a comprehensive risk management framework that includes credit risk assessments, stress testing, and internal controls. Regular monitoring of loan performance and economic conditions helps to identify and mitigate potential risks. This proactive approach aims to maintain a high-quality loan portfolio and minimize losses.
What regulatory challenges does FB Financial Corporation face?
FB Financial Corporation, like all banks, operates in a highly regulated environment. The company is subject to regulations from the Federal Reserve, the FDIC, and state banking authorities. These regulations cover capital requirements, lending practices, consumer protection, and cybersecurity. Compliance costs can be significant, requiring ongoing investments in technology, personnel, and training. Changes in regulations, such as those related to capital adequacy or Dodd-Frank Act provisions, can impact the company's operations and profitability. Maintaining a strong compliance program is essential for avoiding penalties and ensuring the safety and soundness of the institution.
What are the key factors to evaluate for FBK?
FB Financial Corporation (FBK) holds an AI score of 52/100 (moderate). P/E: 18.8x vs the S&P 500's ~20-25x. Analysts target $65.00 (+15%). Not financial advice.
How frequently does FBK data refresh on this page?
FBK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FBK's recent stock price performance?
FB Financial Corporation (FBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in the Southeastern US. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.