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Upturn AI SWOT - About
FBK 
FB Financial Corp (FBK)
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Upturn Advisory Summary
06/30/2025: FBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $55.2
1 Year Target Price $55.2
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.37% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.08B USD | Price to earnings Ratio 16.69 | 1Y Target Price 55.2 |
Price to earnings Ratio 16.69 | 1Y Target Price 55.2 | ||
Volume (30-day avg) 6 | Beta 0.91 | 52 Weeks Range 37.42 - 58.42 | Updated Date 06/30/2025 |
52 Weeks Range 37.42 - 58.42 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.67% | Basic EPS (TTM) 2.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.39% | Operating Margin (TTM) 38.86% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 8.27% |
Valuation
Trailing PE 16.69 | Forward PE 14.88 | Enterprise Value 1518204928 | Price to Sales(TTM) 4.47 |
Enterprise Value 1518204928 | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 45807700 | Shares Floating 34068945 |
Shares Outstanding 45807700 | Shares Floating 34068945 | ||
Percent Insiders 25.82 | Percent Institutions 68.11 |
Analyst Ratings
Rating 3 | Target Price 55.2 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corp. was founded in 1906 as Farmers Bank in Tennessee. Over time, it has grown through organic expansion and strategic acquisitions, evolving into a diversified financial services company.
Core Business Areas
- Community Banking: Provides a range of traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses within its geographic footprint.
- Mortgage Banking: Originates and services residential mortgages, generating fee income from origination and servicing activities.
- Wealth Management: Offers investment advisory and financial planning services to individuals and families.
Leadership and Structure
FB Financial Corp's leadership includes the CEO, CFO, and other key executives. The company is structured with a board of directors and various operational departments aligned with its core business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: FB Financial Corp. offers commercial loans to businesses for various purposes, like expansion and equipment. Market share is regional. Competitors include Truist (TFC), Pinnacle Financial Partners (PNFP), and other regional banks. Revenue from this product is significant, but specific figures are not publicly disclosable without access to proprietary information.
- Residential Mortgages: Residential mortgages are originated and sold or held in portfolio. Market share is regional. Competitors include Rocket Companies (RKT), UWM Holdings (UWMC) and other regional banks. Revenue from this product is significant, but specific figures are not publicly disclosable without access to proprietary information.
- Deposit Accounts: Various deposit products including checking, savings, and money market accounts, are offered to customers. Competitors include any bank that offers deposit accounts.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, fluctuating interest rates, and competition from fintech companies. Economic growth and consumer confidence play significant roles in the industry's performance.
Positioning
FB Financial Corp. is a regional bank with a focus on community banking and relationship-based services. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for community banking in the Southeast US is substantial, estimated in the billions of dollars. FB Financial Corp. is positioned to capture a share of this market through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Limited geographic presence compared to larger banks
- Dependence on interest rate environment
- Higher cost structure than some competitors
- Exposure to regional economic conditions
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNFP
- TCBI
- FFWM
Competitive Landscape
FB Financial Corp. faces competition from larger regional banks and national banks. Its competitive advantages include local market knowledge and customer relationships.
Major Acquisitions
Franklin Financial Network, Inc.
- Year: 2018
- Acquisition Price (USD millions): 611
- Strategic Rationale: Expanded FB Financial's footprint in the attractive Nashville market.
Growth Trajectory and Initiatives
Historical Growth: FB Financial Corp. has grown steadily over the past 5 years, driven by organic growth and acquisitions.
Future Projections: Analysts project continued growth for FB Financial Corp., driven by expansion into new markets and growth in its existing businesses.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of its wealth management services.
Summary
FB Financial Corp. is a relatively strong regional bank benefiting from positive regional growth. It needs to invest in technology to keep up with competitors. The management team is solid and the expansion strategy appears to be working. However, it should carefully monitor the impact of interest rate changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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