FB Financial AI Stock Analysis
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FB Financial (FBK) AI Stock Analysis
FB Financial
(NYSE:FBK)
The score is driven by mixed financial performance—solid profitability and balance-sheet conservatism are weighed down by a sharp TTM revenue decline and significantly weaker, volatile free cash flow. Technicals add modest support (near-term strength but weaker longer-term trend), valuation appears reasonable at ~12x earnings, and the earnings call was constructive with growth and margin guidance despite ongoing mortgage and funding-cost headwinds.
FB Financial (FBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.73B
- Dividend Yield
- 1.54%
- Average Volume (3M)
- 479.59K
- Price to Earnings (P/E)
- 12.1
- Beta (1Y)
- 0.81
- Revenue Growth
- 27.18%
- EPS Growth
- 110.85%
- Country
- US
- Employees
- 1,594
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
FB Financial Business Overview & Revenue Model
Company Description
FB Financial Corporation functions as the parent entity for FirstBank, offering an extensive array of commercial and consumer banking solutions tailored for businesses, professionals, and individual clients. The company organizes its activities into...
How the Company Makes Money
FB Financial primarily makes money through its banking operations. The largest driver is net interest income: the company earns interest and fees on loans and other interest-earning assets (such as investment securities) and pays interest on deposits...
FB Financial Earnings Call Summary
The call was predominantly positive, supported by strong loan and customer deposit growth, solid profitability, stable credit trends, healthy pipelines, strong capital ratios and continued expansion and talent investments. The main challenges were mortgage banking pressure, deposit-cost competition, net interest margin compression, higher expenses, the non-accrual interest reversal and expected seasonal moderation in fourth-quarter growth. Highlights significantly outweighed the lowlights.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects full year loan and deposit growth within its mid to high single digit range, with growth to moderate into the fourth quarter due to the normal timing of pay downs, renewals and larger commercial closings, while pipelines remain healthy and activity is expected to be really strong as the company heads into 2027. Full year net interest margin outlook excluding loan accretion is 3.7% to 3.8%, with fourth-quarter core margin expected to remain near third quarter levels; each 25 basis point increase in fed funds is expected to produce around a 3 basis point increase in margin. Banking segment expense guidance was narrowed to $325 million to $335 million, near the lower end of prior guidance, mortgage earnings are expected to be lower in the fourth quarter and 2027, and net charge offs are expected to remain within the company’s long term target range.
FB Financial Financial Statement Overview
Summary
Financials are mixed: strong current profitability and a conservative leverage profile (low TTM debt-to-equity and improved ROE) support the score, but TTM revenue fell sharply (-27.9%) and cash generation deteriorated materially with volatile, down ~76% free cash flow versus the prior annual period—raising durability and quality-of-earnings concerns.
Income Statement
63PositiveBalance Sheet
78PositiveCash Flow
42Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.03B | 877.84M | 766.77M | 748.98M | 596.35M | 613.25M |
| Gross Profit | 684.38M | 516.73M | 445.74M | 475.25M | 508.19M | 616.62M |
| EBITDA | 314.68M | 155.87M | 161.58M | 165.13M | 172.18M | 256.94M |
| Net Income | 233.35M | 122.62M | 116.03M | 120.22M | 124.56M | 190.28M |
Balance Sheet | ||||||
| Total Assets | 17.09B | 16.30B | 13.16B | 12.60B | 12.85B | 12.60B |
| Cash, Cash Equivalents and Short-Term Investments | 2.56B | 1.56B | 1.74B | 1.71B | 2.29B | 3.35B |
| Total Debt | 321.61M | 283.21M | 246.55M | 468.35M | 494.99M | 226.52M |
| Total Liabilities | 15.16B | 14.35B | 11.59B | 11.15B | 11.52B | 11.16B |
| Stockholders Equity | 1.93B | 1.95B | 1.57B | 1.45B | 1.33B | 1.43B |
Cash Flow | ||||||
| Free Cash Flow | 167.43M | 147.01M | 132.25M | 190.84M | 789.08M | 48.78M |
| Operating Cash Flow | 179.00M | 155.86M | 138.80M | 211.07M | 799.71M | 54.88M |
| Investing Cash Flow | -1.07B | -32.48M | -294.00M | -55.22M | -1.75B | -849.56M |
| Financing Cash Flow | 626.70M | -9.97M | 386.76M | -371.98M | 184.10M | 1.27B |
FB Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FBK, the sentiment is Positive. The current price of 54.63 is above the 20-day moving average (MA) of 53.75, above the 50-day MA of 53.27, and below the 200-day MA of 54.76, indicating a neutral trend. The MACD of 0.48 indicates Negative momentum. The RSI at 56.29 is Neutral, neither overbought nor oversold. The STOCH value of 33.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FBK.
FB Financial Risk Analysis
FB Financial disclosed 37 risk factors in its most recent earnings report. FB Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksFB Financial Peers Comparison
Overall Rating
RNST75Outperform
SFNC73Outperform
TRMK73Outperform
UCB71Outperform
SMBK67Neutral- FBK67Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| RNST | 75Outperform | $3.63B | 11.18 | 8.62% | 2.34% | 20.27% | 79.91% |
| SFNC | 73Outperform | $3.38B | 13.03 | 7.61% | 3.66% | 121.80% | ― |
| TRMK | 73Outperform | $2.76B | 11.94 | 11.10% | 2.07% | 0.97% | 9.33% |
| UCB | 71Outperform | $4.46B | 31.36 | 4.03% | 2.71% | 5.43% | -52.84% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SMBK | 67Neutral | $821.82M | 12.96 | 10.97% | 0.71% | 9.88% | 34.28% |
| FBK | 67Neutral | $2.68B | 12.06 | 11.98% | 1.54% | 27.18% | 110.85% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FBK | FB Financial Corporation | 54.63 | 3.28 | 6.39% | |
| RNST | Renasant | 40.23 | 7.63 | 23.40% | |
| SFNC | Simmons First National | 23.46 | 6.90 | 41.64% | |
| TRMK | Trustmark | 47.88 | 11.97 | 33.35% | |
| UCB | United Community Banks | 37.32 | 9.25 | 32.98% | |
| SMBK | SmartFinancial, Inc. | 48.07 | 13.66 | 39.71% |
FB Financial Corporate Events
FB Financial posts strong third-quarter 2026 earnings growth
PositiveFB Financial reported strong third-quarter 2026 results on October 13, 2026, posting net income of $60.2 million, or $1.20 per diluted share, up from $1.13 in the prior quarter and $0.43 a year earlier, while adjusted EPS reached $1.21. The bank expa...
FB Financial Completes $125 Million Subordinated Notes Offering
PositiveOn September 24, 2026, FB Financial Corporation completed a $125 million offering of 6.625% fixed-to-floating rate subordinated notes due 2036, issued under a subordinated indenture with U.S. Bank Trust Company, National Association, as trustee. The...
FB Financial Updates Fixed Income Investor Presentation Materials
NeutralOn September 21, 2026, FB Financial Corporation released an updated fixed income investor presentation for use in meetings with investors, analysts and other market participants, formally making the materials available through its latest regulatory f...
FB Financial Releases Fixed Income Investor Risk Presentation
NeutralOn September 17, 2026, FB Financial Corporation released a fixed income investor presentation for use in meetings with investors, analysts and other market participants. The materials outline the company’s use of non-GAAP financial measures, such as...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 04, 2026