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Upturn AI SWOT - About
FBK 
FB Financial Corp (FBK)
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Upturn Advisory Summary
12/02/2025: FBK (2-star) is currently NOT-A-BUY. Pass it for now.
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 $65.17
1 Year Target Price $65.17
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.6% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.00B USD | Price to earnings Ratio 26.07 | 1Y Target Price 65.17 |
Price to earnings Ratio 26.07 | 1Y Target Price 65.17 | ||
Volume (30-day avg) 6 | Beta 0.99 | 52 Weeks Range 38.38 - 60.31 | Updated Date 12/2/2025 |
52 Weeks Range 38.38 - 60.31 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 1.32% | 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 26.07 | Forward PE 14.88 | Enterprise Value 1992253440 | Price to Sales(TTM) 6.48 |
Enterprise Value 1992253440 | Price to Sales(TTM) 6.48 | ||
Enterprise Value to Revenue 6.14 | Enterprise Value to EBITDA - | Shares Outstanding 53462482 | Shares Floating 45394993 |
Shares Outstanding 53462482 | Shares Floating 45394993 | ||
Percent Insiders 15.04 | Percent Institutions 73.18 |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corp, founded in 1906 as Farmers Bank, has evolved into a regional financial services provider. It has grown through strategic acquisitions and organic expansion, adapting to changing market conditions and expanding its service offerings.
Core Business Areas
- Community Banking: Provides a range of financial services, including deposit accounts, loans, and other banking products to individuals and businesses.
- Mortgage Banking: Originates and sells residential mortgage loans.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
FB Financial Corp is led by a board of directors and a senior management team. The organizational structure includes various departments responsible for different aspects of the business, such as banking, lending, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data is difficult to pinpoint without private data, and will depend on the region of service. Competitors include other regional banks and national players like Truist (TFC) and Bank of America (BAC).
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share depends on the local region and is influenced by rates. Competitors are regional banks, credit unions, and national players like Rocket Mortgage.
- Deposit Accounts: A variety of deposit accounts are offered. Competitors include all other commercial banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. Banks are focused on digital transformation and providing personalized customer experiences.
Positioning
FB Financial Corp positions itself as a relationship-focused community bank with a strong presence in the Southeast. Its competitive advantage lies in its local market knowledge and customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is substantial, estimated in the billions of dollars. FB Financial Corp is positioned to capture a portion of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking model
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to national banks
- Exposure to interest rate risk
- Dependence on regional economic conditions
- Scale to compete with larger banks
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Southeast
- Changes in banking regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FITB
- SYF
- BOH
Competitive Landscape
FB Financial competes with larger regional and national banks, and smaller community banks. Its advantages include local market knowledge and customer service, but it faces challenges in terms of scale and resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth will depend on the reporting period.
Future Projections: Future projections will depend on analyst estimates.
Recent Initiatives: Recent initiatives will depend on the reporting period.
Summary
FB Financial Corp is a regional bank with a strong presence in the Southeast, known for its relationship-focused approach. Its strengths lie in its local market knowledge and diversified revenue streams. Challenges include competition from larger banks and exposure to regional economic conditions. FBK has limited competitive advantages.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
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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