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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
11/06/2026: FBK (2-star) is currently NOT-A-BUY. Pass it for now.
FB Financial Corp is a regional bank holding company providing commercial and consumer banking services, with a notable presence in the Tennessee market. The company benefits from a diversified revenue model that includes a significant mortgage lending segment alongside traditional banking. Its main growth opportunity lies in regional economic expansion and strategic acquisitions, while primary risks include interest rate sensitivity, mortgage market cyclicality, and intensifying regional competition. The stock may suit value and dividend-focused investors seeking exposure to the Southeastern US economy. Investors should monitor net interest margins, mortgage origination volumes, and the bank’s ability to manage costs effectively in a shifting rate environment.
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 | While the company has grown, growth is cyclical and tied to regional economic trends. |
| Momentum investor | Weak fit | Banking stocks often move with macro signals rather than rapid, sustained upward momentum. |
| Value investor | Strong fit | The company often trades at valuations reflective of standard regional bank multiples. |
| Dividend investor | Strong fit | Consistent dividend payments make it a candidate for income-oriented portfolios. |
| Low-risk investor | Mixed fit | Banking stocks carry inherent interest rate and credit risks, limiting appeal for very low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to interest rate fluctuations and macro economic data. |
| Valuation risk | Medium | Market pricing relative to book value is a standard monitor for regional banks. |
| Competition risk (Regional Banking) | High | Competing against larger peers requires maintaining cost-effective deposit gathering. |
| Business quality | Medium | The franchise has proven resilience, though it lacks the scale of national competitors. |
| Dividend income | Low | Dividends are stable but growth in payout depends on regulatory and capital constraints. |
| Execution risk | Medium | Successful integration of future acquisitions remains vital for growth strategy. |
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 11/06/2026 |
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 2.66B USD | Price to earnings Ratio 11.95 | 1Y Target Price 63.38 |
Price to earnings Ratio 11.95 | 1Y Target Price 63.38 | ||
Volume (30-day avg) 484.7K shares | Beta 0.96 | 52 Weeks Range 48.87 - 62.66 | Updated Date 11/06/2026 |
52 Weeks Range 48.87 - 62.66 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 4.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes money on the spread between what it earns on loans and pays on savings accounts. |
| Non-Interest Income | Mortgage banking fees, service charges, and wealth management services. | Revenue from fees for services and mortgage origination adds to the bottom line. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-13 | When Before Market | Estimate 1.21 | Actual 1.21 |
Profitability
Profit Margin 34.1% | Operating Margin (TTM) 45.52% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 11.93% |
Valuation
Trailing PE 11.95 | Forward PE 14.88 | Enterprise Value 1.96B | Price to Sales(TTM) 3.89 |
Enterprise Value 1.96B | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 49.02M | Shares Floating 47.86M |
Shares Outstanding 49.02M | Shares Floating 47.86M | ||
Percent Insiders 2.19 | Percent Institutions 86.16 |
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.
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