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Upturn AI SWOT - About
FBK 
FB Financial Corp (FBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/17/2025: 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 $65.17
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 40.45% | Avg. Invested days 58 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.79B USD | Price to earnings Ratio 26.86 | 1Y Target Price 65.17 |
Price to earnings Ratio 26.86 | 1Y Target Price 65.17 | ||
Volume (30-day avg) 6 | Beta 0.91 | 52 Weeks Range 38.52 - 60.52 | Updated Date 10/18/2025 |
52 Weeks Range 38.52 - 60.52 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 1.42% | Basic EPS (TTM) 1.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-14 | When Before Market | Estimate 0.96 | Actual 1.07 |
Profitability
Profit Margin 22.38% | Operating Margin (TTM) 34.23% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 5.85% |
Valuation
Trailing PE 26.86 | Forward PE 14.88 | Enterprise Value 1781981312 | Price to Sales(TTM) 6.02 |
Enterprise Value 1781981312 | Price to Sales(TTM) 6.02 | ||
Enterprise Value to Revenue 7.68 | Enterprise Value to EBITDA - | Shares Outstanding 53456522 | Shares Floating 41611626 |
Shares Outstanding 53456522 | Shares Floating 41611626 | ||
Percent Insiders 22.28 | Percent Institutions 59.13 |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corp was founded in 1906 as First Farmers and Merchants National Bank. It has grown organically and through acquisitions to become a leading financial institution in the Southeast.
Core Business Areas
- Community Banking: Offers a range of financial products and services to individuals and businesses, including deposit accounts, loans, and other banking services.
- Mortgage Banking: Provides mortgage lending services to individuals looking to purchase or refinance homes.
- Wealth Management: Offers investment advisory and wealth management services to individuals and families.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure includes divisions for retail banking, commercial banking, mortgage, and wealth management, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as expansion, working capital, and equipment financing. Competitors include other regional and national banks like Pinnacle Financial Partners (PNFP) and Truist Financial (TFC). Market share data is difficult to obtain precisely but is estimated to be below 5% in their operating footprint.
- Revenue: 100000000
- Mortgage Loans: Residential mortgage loans for home purchases and refinances. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC) and other local and regional mortgage lenders. Market share data is difficult to obtain precisely but is estimated to be below 3% in their operating footprint.
- Revenue: 50000000
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
- Revenue: 20000000
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory changes, and rising interest rates. Consolidation is occurring among smaller banks.
Positioning
FB Financial Corp is positioned as a community-focused bank with a strong regional presence. Its competitive advantage lies in its local expertise and personalized customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the billions of dollars. FB Financial Corp is positioned to capture a portion of this TAM through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified revenue streams
- Customer-centric approach
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on local economy
- Potential for credit quality deterioration
- Higher efficiency ratios relative to larger peers
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Increasing digital banking offerings
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNFP
- TCBI
- OZK
- FFWM
Competitive Landscape
FB Financial Corp competes with larger national banks, regional banks, and credit unions. Its advantages include its local expertise and customer service, while its disadvantages include its limited geographic reach.
Major Acquisitions
Franklin Financial Network, Inc.
- Year: 2018
- Acquisition Price (USD millions): 611
- Strategic Rationale: Expanded FB Financial's presence in the attractive Nashville MSA.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in the Southeast region.
Recent Initiatives: Recent initiatives include expanding digital banking offerings and growing the wealth management business.
Summary
FB Financial Corp is a regional bank with a strong community focus, performing well in its operating footprint. While they have opportunities for expansion and technological advancement, they must also manage risks from competition and economic conditions. The bank's customer-centric approach and diversified revenue streams are strengths, but its limited geographic reach is a weakness. The total addressable market leaves room for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Company Investor Relations
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data is based on available information and may not be complete.
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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