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Upturn AI SWOT - About
FBK 
FB Financial Corp (FBK)
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Upturn Advisory Summary
08/14/2025: 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 $57.8
1 Year Target Price $57.8
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.57% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.75B USD | Price to earnings Ratio 26.31 | 1Y Target Price 57.8 |
Price to earnings Ratio 26.31 | 1Y Target Price 57.8 | ||
Volume (30-day avg) 6 | Beta 0.92 | 52 Weeks Range 38.52 - 58.19 | Updated Date 08/15/2025 |
52 Weeks Range 38.52 - 58.19 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.41% | Basic EPS (TTM) 1.94 |
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% | Operating Margin (TTM) -8.91% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 5.81% |
Valuation
Trailing PE 26.31 | Forward PE 14.88 | Enterprise Value 1802850944 | Price to Sales(TTM) 6.69 |
Enterprise Value 1802850944 | Price to Sales(TTM) 6.69 | ||
Enterprise Value to Revenue 6.95 | Enterprise Value to EBITDA - | Shares Outstanding 53848900 | Shares Floating 41921355 |
Shares Outstanding 53848900 | Shares Floating 41921355 | ||
Percent Insiders 22.11 | Percent Institutions 57.27 |
Upturn AI SWOT
FB Financial Corp
Company Overview
History and Background
FB Financial Corp (FBK) was founded in 1906 as First Farmers and Merchants National Bank. It has grown through organic expansion and acquisitions, evolving into a diversified financial services company primarily serving the Southeast.
Core Business Areas
- Community Banking: Offers a full range of banking services, including deposit accounts, loans, and other financial products to individuals and businesses in the Southeast.
- Mortgage Banking: Provides mortgage origination and servicing activities.
- Wealth Management: Offers trust and investment management services to individuals and institutions.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is based on its core business lines, with regional leadership managing the community banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment purchases. Market share data is difficult to determine precisely for community banks, but FBK competes with larger national and regional banks in its footprint. Competitors include Truist, Regions Financial, and Pinnacle Financial Partners. Revenue is not directly disclosed but is a significant portion of their loan portfolio.
- Residential Mortgages: Mortgage loans for home purchases and refinances. FBK operates in a competitive mortgage market with significant players like Rocket Mortgage, Wells Fargo, and other regional lenders. Revenue contribution is dependent on interest rate environment and origination volume. Market share data is difficult to determine precisely.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. These accounts serve as a core funding source for the bank. Competitors include all banks operating in the region, both large and small. Market share data is difficult to determine precisely.
Market Dynamics
Industry Overview
The banking industry is currently facing a fluctuating interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
FBK is positioned as a regional bank focused on serving its local communities in the Southeast. Its competitive advantages include its local market knowledge, customer relationships, and community involvement.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is substantial, estimated at hundreds of billions of dollars. FBK is positioned to capture a portion of this market through its branch network and digital channels.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Solid customer relationships
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Higher cost structure than some competitors
- Dependence on interest rate environment
- Vulnerable to economic downturns in the Southeast
Opportunities
- Expansion into new markets in the Southeast
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TRST
- RF
- PNFP
Competitive Landscape
FBK faces competition from larger national and regional banks, as well as smaller community banks. Its advantages include its local market knowledge and customer relationships. Its disadvantages include its limited geographic reach and higher cost structure.
Major Acquisitions
CapitalMark Bank & Trust
- Year: 2015
- Acquisition Price (USD millions): 188
- Strategic Rationale: Expanded FB Financial's presence in the Chattanooga market.
Growth Trajectory and Initiatives
Historical Growth: FBK has demonstrated steady growth over the past several years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth for FBK, driven by its focus on the Southeast market and its diversified business lines. Requires live data feed to fill.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
FB Financial Corp is a solid regional bank with a focus on the Southeast. It has strong local market knowledge and customer relationships. However, it faces competition from larger banks and must manage interest rate risk and economic downturns. Recent initiatives in digital banking and market expansion are positive signs for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (where applicable, needs live data)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates 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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