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Upturn AI Summary - About
FB Financial Corp(FBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FBK
09/24/2026: FBK (2-star) is currently NOT-A-BUY. Pass it for now.
FB Financial Corp is a Tennessee-based regional bank holding company providing comprehensive retail and commercial banking services. The bank benefits from a strong regional footprint in high-growth areas, with a business model bolstered by a mix of interest-earning activities and mortgage banking. Its primary growth opportunity lies in leveraging its local market dominance to capture more business and retail deposits. However, the company faces risks from geographic concentration, interest rate sensitivity, and intense competition from larger national banking institutions. Suitable for value and dividend-focused investors, FB Financial requires ongoing monitoring of its net interest margins, credit quality, and the success of its digital transformation initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic development rather than rapid, disruptive expansion. |
| Momentum investor | Weak fit | Stock performance is typically driven by long-term regional banking trends rather than high-velocity price momentum. |
| Value investor | Strong fit | The stock often trades at valuations reflective of its regional bank status and steady asset base. |
| Dividend investor | Strong fit | The company provides a consistent dividend that appeals to income-focused investors looking for bank sector exposure. |
| Low-risk investor | Mixed fit | While established, the stock is subject to industry-specific risks like interest rate sensitivity and regional economic cyclicality. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to market perceptions of credit quality and interest rate changes. |
| Valuation risk | Medium | Investors must weigh the price paid against the book value and normalized earnings potential. |
| Competition risk (National/Regional banks) | Medium / high | Increased pressure from larger competitors can compress net interest margins. |
| Business quality | Medium | The bank has an established franchise, though it lacks the broad diversification of national institutions. |
| Dividend income | Medium | Sustainability depends on consistent earnings and capital adequacy ratios. |
| Execution risk | Medium | Successful growth depends on managing the integration of future acquisitions and digital upgrades. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 58.25% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.63B USD | Price to earnings Ratio 13.93 | 1Y Target Price 66.34 |
Price to earnings Ratio 13.93 | 1Y Target Price 66.34 | ||
Volume (30-day avg) 493.8K shares | Beta 0.92 | 52 Weeks Range 48.87 - 62.66 | Updated Date 09/24/2026 |
52 Weeks Range 48.87 - 62.66 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 1.50% | Basic EPS (TTM) 3.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit engine, benefiting from higher interest rate environments. |
| Mortgage Banking | Fees earned from originating and selling home loans. | Highly cyclical; strong when housing markets are active and rates are favorable. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 13.93 | Forward PE 14.88 | Enterprise Value 1.89B | Price to Sales(TTM) 4.04 |
Enterprise Value 1.89B | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 49.98M | Shares Floating 48.84M |
Shares Outstanding 49.98M | Shares Floating 48.84M | ||
Percent Insiders 2.09 | Percent Institutions 83.27 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About FB Financial Corp
Exchange NYSE | Headquarters 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 1594 | Website https://www.firstbankonline.com |
Full time employees 1594 | 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 interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies. The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking. It operates through various full-service branch locations, as well as online or mobile banking. The company serves retail and wealth consumers, small businesses, and corporate clients and owners. 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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