FB Financial Corporation Fundamental Analysis (NYSE: FBK)
FB Financial Corporation (NYSE: FBK) shows moderate financial fundamentals with a PE ratio of 15.56, profit margin of 19.00%, and ROE of 10.03%. The company generates $1.0B in annual revenue with strong year-over-year growth of 14.48%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 72.6/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze FBK's fundamental strength across five key dimensions:
Efficiency Score
WeakFBK struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFBK trades at attractive valuation levels.
Growth Score
ModerateFBK shows steady but slowing expansion.
Financial Health Score
ExcellentFBK maintains a strong and stable balance sheet.
Profitability Score
ModerateFBK maintains healthy but balanced margins.
Key Financial Metrics
Is FBK Expensive or Cheap?
P/E Ratio
FBK trades at 15.56 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FBK's PEG of 0.16 indicates potential undervaluation.
Price to Book
The market values FB Financial Corporation at 1.56 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.24 times EBITDA. This signals the market has high growth expectations.
How Well Does FBK Make Money?
Net Profit Margin
For every $100 in sales, FB Financial Corporation keeps $19.00 as profit after all expenses.
Operating Margin
Core operations generate 23.85 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.03 in profit for every $100 of shareholder equity.
ROA
FB Financial Corporation generates $1.17 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FB Financial Corporation produces operating cash flow of $206.37M, showing steady but balanced cash generation.
Free Cash Flow
FB Financial Corporation generates strong free cash flow of $197.52M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.83 in free cash annually.
FCF Yield
FBK converts 6.58% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.56
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.56
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.91
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
15.76
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How FBK Stacks Against Its Sector Peers
| Metric | FBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.56 | 21.07 | Better (Cheaper) |
| ROE | 10.03% | 647.00% | Weak |
| Net Margin | 19.00% | -1594.00% (disorted) | Strong |
| Debt/Equity | 0.19 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 15.76 | 912.43 | Strong Liquidity |
| ROA | 1.17% | -579.00% (disorted) | Weak |
FBK outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FB Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
0.93%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
36.62%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
140.92%
Industry Style: Value, Dividend, Cyclical
High Growth