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FBK 
FB Financial Corp (FBK)
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Upturn Advisory Summary
12/24/2025: 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 $65.5
1 Year Target Price $65.5
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.06% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.05B USD | Price to earnings Ratio 26.53 | 1Y Target Price 65.5 |
Price to earnings Ratio 26.53 | 1Y Target Price 65.5 | ||
Volume (30-day avg) 6 | Beta 0.99 | 52 Weeks Range 38.38 - 60.31 | Updated Date 12/25/2025 |
52 Weeks Range 38.38 - 60.31 | Updated Date 12/25/2025 | ||
Dividends yield (FY) 1.31% | Basic EPS (TTM) 2.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.38% | Operating Margin (TTM) 34.42% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 5.85% |
Valuation
Trailing PE 26.53 | Forward PE 14.88 | Enterprise Value 2045715968 | Price to Sales(TTM) 6.59 |
Enterprise Value 2045715968 | Price to Sales(TTM) 6.59 | ||
Enterprise Value to Revenue 6.26 | Enterprise Value to EBITDA - | Shares Outstanding 53462482 | Shares Floating 45382697 |
Shares Outstanding 53462482 | Shares Floating 45382697 | ||
Percent Insiders 15.04 | Percent Institutions 73.56 |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corporation (NYSE: FB Financial) was founded in 1906 as The First Federal Savings and Loan Association of Franklin. It has since evolved into a regional financial institution with a strong focus on community banking and mortgage lending. Key milestones include its conversion to a public company in 2014 and continuous expansion of its branch network and service offerings.
Core Business Areas
- Community Banking: Offers a range of deposit and lending products and services to individuals and businesses within its operating markets. This includes checking and savings accounts, money market accounts, certificates of deposit, commercial loans, residential mortgages, and construction loans.
- Mortgage Services: Provides a comprehensive suite of mortgage lending services, including origination, underwriting, and servicing of residential mortgages. This segment is a significant revenue driver.
Leadership and Structure
FB Financial Corporation is led by a Board of Directors and a senior management team. The organizational structure is typical of a regional bank, with divisions for retail banking, commercial lending, mortgage banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: The company originates and services residential mortgages. While specific market share for this product is difficult to isolate nationally, FB Financial is a significant player in its regional markets. Competitors include national mortgage lenders (e.g., Rocket Mortgage, United Wholesale Mortgage) and other regional banks.
- Community Banking Deposit Accounts: Offers various checking, savings, and time deposit accounts. Competitors include other community banks, credit unions, and national banks operating in its service areas.
- Commercial Loans: Provides loans to small and medium-sized businesses. Competitors are other regional and national banks.
Market Dynamics
Industry Overview
The banking and mortgage lending industries are highly competitive and subject to significant regulatory oversight. Key trends include digital transformation, evolving customer expectations for convenience, and interest rate sensitivity. The mortgage market is cyclical and influenced by housing demand and economic conditions.
Positioning
FB Financial Corp is positioned as a community-focused financial institution with a strong emphasis on mortgage lending in its regional footprint. Its competitive advantages include personalized customer service, local market knowledge, and a well-established branch network.
Total Addressable Market (TAM)
The TAM for banking and mortgage services is vast, encompassing all individuals and businesses requiring financial products. FB Financial's TAM is more specifically defined by its geographic operating regions. The company aims to capture a significant share of the local markets it serves, leveraging its community relationships to compete against larger national players.
Upturn SWOT Analysis
Strengths
- Strong regional presence and brand recognition.
- Deep understanding of local markets and customer needs.
- Well-established mortgage origination and servicing capabilities.
- Customer-centric approach to service.
- Experienced management team.
Weaknesses
- Geographic concentration, making it susceptible to regional economic downturns.
- Smaller scale compared to national banking giants, potentially limiting investment in technology and product development.
- Reliance on interest income, making it sensitive to interest rate fluctuations.
- Limited diversification of revenue streams.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Growth in specific lending niches.
- Strategic partnerships or acquisitions.
- Increasing demand for mortgage refinancing during periods of lower interest rates.
Threats
- Intense competition from national banks, credit unions, and fintech companies.
- Changes in interest rate environment and monetary policy.
- Increasing regulatory compliance costs.
- Economic downturns impacting loan demand and credit quality.
- Cybersecurity risks.
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- JPMorgan Chase & Co. (JPM)
- Wells Fargo (WFC)
- PNC Financial Services Group (PNC)
Competitive Landscape
FB Financial competes with larger national banks offering a wider range of services and often lower pricing, but FB Financial leverages its community focus and personalized service as key advantages. In the mortgage market, it faces competition from national originators and other regional lenders.
Growth Trajectory and Initiatives
Historical Growth: Historically, growth has been driven by organic expansion of its branch network, growth in its mortgage business, and strategic community outreach. Performance is often tied to regional economic conditions and interest rate cycles.
Future Projections: Future growth is expected to be supported by continued focus on its core banking and mortgage segments, potential expansion into new markets, and investments in digital capabilities to serve a broader customer base. Analyst estimates would provide specific growth rate projections.
Recent Initiatives: Recent initiatives likely involve enhancing digital platforms, optimizing branch operations, and expanding product offerings to meet evolving customer needs.
Summary
FB Financial Corp is a well-established regional financial institution with a strong presence in community banking and mortgage lending. Its strengths lie in its local market knowledge and customer service. However, it faces significant competition from larger national players and is susceptible to economic and interest rate fluctuations. Continued investment in digital capabilities and strategic market expansion will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations website
- SEC Filings (10-K, 10-Q)
- Financial news and data providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is an estimation and may vary depending on the methodology used.
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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