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Upturn AI SWOT - About
FBK 
FB Financial Corp (FBK)
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Upturn Advisory Summary
09/15/2025: FBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $59
1 Year Target Price $59
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.56% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.86B USD | Price to earnings Ratio 27.34 | 1Y Target Price 59 |
Price to earnings Ratio 27.34 | 1Y Target Price 59 | ||
Volume (30-day avg) 6 | Beta 0.93 | 52 Weeks Range 38.52 - 58.19 | Updated Date 09/15/2025 |
52 Weeks Range 38.52 - 58.19 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.35% | Basic EPS (TTM) 1.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22% | Operating Margin (TTM) -8.91% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 5.81% |
Valuation
Trailing PE 27.34 | Forward PE 14.88 | Enterprise Value 1910010240 | Price to Sales(TTM) 6.95 |
Enterprise Value 1910010240 | Price to Sales(TTM) 6.95 | ||
Enterprise Value to Revenue 7.2 | Enterprise Value to EBITDA - | Shares Outstanding 53848900 | Shares Floating 41928893 |
Shares Outstanding 53848900 | Shares Floating 41928893 | ||
Percent Insiders 22.11 | Percent Institutions 58.69 |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corp. was founded in 1906 as Farmers Bank, later becoming First Farmers and Merchants National Bank. It evolved into a holding company, FB Financial Corp, with FirstBank as its primary subsidiary, experiencing growth through organic expansion and acquisitions.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including loans, deposits, and other financial products to individuals and businesses.
- Mortgage Banking: Originates and services residential mortgage loans.
- Wealth Management: Offers investment management, trust, and financial planning services.
Leadership and Structure
Michael M. Mayer serves as the CEO and Chairman of the Board. The company operates with a traditional corporate structure, with various executive officers overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available for this specific product at this granular level. Competitors include regional and national banks such as Pinnacle Financial Partners (PNFP) and Truist Financial Corporation (TFC).
- Residential Mortgages: Mortgages for purchasing or refinancing residential properties. Market share data is not publicly available for FB Financial Corp's specific market share. Competitors include Rocket Companies (RKT) and United Wholesale Mortgage (UWMC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is regionally focused. Competitors include all other banks operating in their geographic market.
Market Dynamics
Industry Overview
The banking industry is currently experiencing a period of moderate growth, with increased regulatory scrutiny and competition from non-bank financial institutions. Interest rates are a significant factor influencing profitability.
Positioning
FB Financial Corp is positioned as a strong regional bank with a focus on community banking and relationship-based services. Their competitive advantage lies in their local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in FB Financial Corp's region is estimated to be in the billions of dollars. FB Financial Corp captures a portion of this TAM via its community banking, mortgage and wealth management services.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic reach compared to larger national banks
- Reliance on interest rate environment
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets within the Southeast
- Acquisition of smaller community banks
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates impacting loan demand
- Economic recession impacting loan portfolio
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNFP
- TCBI
- BOH
Competitive Landscape
FB Financial Corp faces competition from larger national banks with greater resources and smaller community banks with strong local relationships. Its ability to maintain and grow market share depends on its ability to provide superior customer service and innovative products.
Growth Trajectory and Initiatives
Historical Growth: FB Financial Corp has historically grown through a combination of organic expansion and strategic acquisitions.
Future Projections: Future growth projections are not provided. Analyst estimates can be found on financial news websites and broker research reports.
Recent Initiatives: Recent initiatives may include expansion into new markets, investments in digital banking technology, and strategic acquisitions.
Summary
FB Financial Corp is a regional bank with a strong presence in its market. It benefits from an experienced management team and diversified revenue streams. However, it faces threats from larger competitors and economic fluctuations. The company needs to adapt to the changing banking landscape and focus on digital transformation to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10K, 10Q)
- Company Investor Relations Website
- Financial News Websites
- Broker Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FB Financial Corp
Exchange NYSE | Headquaters Nashville, TN, United States | ||
IPO Launch date 2016-09-16 | President, CEO & Director Mr. Christopher T. Holmes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1490 | Website https://www.firstbankonline.com |
Full time employees 1490 | Website 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 checking, demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and individual customers; and time deposits, as well as residential mortgage and loan securitization services. The company also provides owner-occupied and non-owner-occupied real estate commercial loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition, and land development loans, as well as residential lines of credit; and consumer and other loans, such as car, boat, and other recreational vehicle loans; loans for manufactured homes without real estate; and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices in the southeastern United States; and trust, insurance, and investment services, as well as online and mobile banking services. It operates through various full- and limited-service branch locations throughout Tennessee, Nashville, Chattanooga, Knoxville, Memphis, Jackson, Birmingham, Florence, Huntsville, Alabama, Bowling Green, Kentucky, Tuscaloosa, Asheville, and North Carolina. 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.
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