FBK$55.01
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AI FBK Summary
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Powered by LiveAIOverall Analysis
NeutralFB Financial Corporation exhibits mixed signals. Fundamentally, it shows stable profitability and a manageable debt structure, but its current valuation appears somewhat stretched. Technically, short-term indicators suggest downward pressure, contrasting with a longer-term positive trend. Thematic exposure to financial services is moderate.
Thematic
FB Financial Corporation operates within the financial services sector, focusing on banking and mortgage services. Its performance is linked to broader economic conditions, interest rate environments, and housing market dynamics. Current trends in digitalization and consumer banking behavior present both opportunities and challenges.
Fundamental
FB Financial Corporation demonstrates solid profitability and a strong balance sheet. While revenue has seen a recent decline, net income remains robust, supported by effective cost management and a healthy net margin. The company maintains a manageable debt level relative to its equity and has positive free cash flow.
Technical
The stock has experienced a recent downturn, with price falling below key moving averages. Short-term technical indicators suggest a bearish bias, though the longer-term trend (indicated by the 200-day moving average) remains positive. Volume analysis suggests selling pressure.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 75 |
| Interest Rate Sensitivity | 60 |
| Housing Market Influence | 70 |
| Regulatory Environment | 70 |
| Geographic Focus | 60 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 85 |
| Growth | 40 |
| Balance Sheet Health | 80 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 55 |
| Momentum | 30 |
| Volume Confirmation | 45 |
| Support & Resistance | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Surprises
The company has a track record of beating EPS estimates. In the last reported quarter (2024 Q4), reported EPS of $0.85 exceeded the estimate of $0.70 by 21.43%.
Reasonable Price-to-Earnings Ratio
The Price-to-Earnings (P/E) ratio (TTM) is 29.7, which is reasonable given the company's historical performance and growth prospects. The P/E ratio for 2024 is 23.8, suggesting potential undervaluation based on future earnings.
Bearish Points (7)
Elevated Quarterly P/E Ratio
The Price-to-Earnings (P/E) ratio for Q1 2025 is exceptionally high at 63.3, and Q4 2024 at 72.8, suggesting the stock may be overvalued based on recent quarterly earnings. This indicates significant growth expectations are priced in.
Declining Revenue Trend
Revenue has shown a declining trend from $575.6 million in 2021 to $457.7 million in 2024, indicating a potential slowdown in the company's core business.
Calendar
May 2025
13
Ex-Dividend Date
May 2025
27
Next Dividend Date
October 2025
15
Next Earnings Date
H: $0.92
A: $0.88
L: $0.83
H: 138.74M
A: 136.32M
L: 134.60M
Profile
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.
Seasonals
Price Target
55.20 USD
The 39 analysts offering 1 year price forecasts for FBK have a max estimate of 58.00 and a min estimate of 51.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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