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FB Financial Corporation (MX:FBK1)
:FBK1

FB Financial (FBK1) Price & Analysis

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FBK1 Stock Chart & Stats

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Bulls Say, Bears Say

Bulls Say
Balance Sheet StrengthConservative leverage (debt-to-equity ~0.19) and meaningful equity growth since 2022 create durable capital buffers. That resilience supports continued lending, cushions credit shocks, and preserves strategic optionality for buybacks and investments across rate and credit cycles.
Cash GenerationHigh cash conversion—operating cash flow around $207M and FCF ~$198M with FCF ~96% of net income—means reported earnings largely translate to real cash. This strengthens the firm’s ability to fund loans, dividends/buybacks, and absorb credit losses without relying heavily on external financing.
Loan And Deposit GrowthSustained, broad-based loan growth (11.6% annualized) alongside deposit growth (7.7%) reinforces the bank’s core earning assets and funding base. Consistent loan origination and stable deposits underpin net interest income and PPNR, supporting durable revenue expansion as the franchise scales.
Bears Say
Concentrated Credit StressThe uptick in nonperforming assets tied to three specific relationships signals idiosyncratic credit risk that can force elevated provisions. Concentrated problem credits can produce episodic earnings pressure, require targeted workouts, and temporarily constrain capital deployment until resolved.
Margin PressureManagement guidance points to NIM retreating toward 3.7–3.8% from a higher quarter level as deposit pricing remains competitive. Structural pressure on deposit costs and repricing dynamics can compress long-term net interest margin, reducing sustainable core earnings power absent offsetting scale or fee growth.
Profitability & Cash‑flow VolatilityThe firm acknowledges multi‑year swings in margins and cash flows and that returns remain below 2021 peaks. Persistent volatility makes earnings and FCF less predictable, complicates capital planning, and may limit consistent ROE improvements through future rate and credit cycles.

FB Financial News

FBK1 FAQ

What was FB Financial Corporation’s price range in the past 12 months?
Currently, no data Available
What is FB Financial Corporation’s market cap?
FB Financial Corporation’s market cap is $48.13B.
    When is FB Financial Corporation’s upcoming earnings report date?
    FB Financial Corporation’s upcoming earnings report date is Oct 19, 2026 which is in 41 days.
      How were FB Financial Corporation’s earnings last quarter?
      FB Financial Corporation released its earnings results on Jul 13, 2026. The company reported $19.429 earnings per share for the quarter, missing the consensus estimate of $19.514 by -$0.085.
        Is FB Financial Corporation overvalued?
        According to Wall Street analysts FB Financial Corporation’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
          Does FB Financial Corporation pay dividends?
          FB Financial Corporation does not currently pay dividends.
          What is FB Financial Corporation’s EPS estimate?
          FB Financial Corporation’s EPS estimate is 20.55.
            How many shares outstanding does FB Financial Corporation have?
            Currently, no data Available
            What happened to FB Financial Corporation’s price movement after its last earnings report?
            FB Financial Corporation reported an EPS of $19.429 in its last earnings report, missing expectations of $19.514. Following the earnings report the stock price went same N/A.
              Which hedge fund is a major shareholder of FB Financial Corporation?
              Currently, no hedge funds are holding shares in MX:FBK1
              What is the TipRanks Smart Score and how is it calculated?
              Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                Company Description

                FB Financial Corporation

                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 two primary divisions: Banking and Mortgage. Its deposit offerings include checking, demand, money market, savings accounts, time deposits, and certificates of deposit. For lending, FB Financial provides a wide range of products for corporate, commercial, and consumer customers, such as financing for owner-occupied and investment commercial real estate, residential mortgages for single-family to four-family homes and multi-family units, commercial and industrial loans, construction financing, land acquisition, and land development loans. Consumer credit options feature residential lines of credit, loans for vehicles (cars, boats, and other recreational vehicles), manufactured homes (excluding land), and personal lines of credit. Additionally, the company engages in mortgage origination and delivers mortgage banking services through its branch network across the southeastern U.S. and via its digital platforms. Further services include trust, insurance, investment advisory, and modern online and mobile banking capabilities. As of December 31, 2021, FB Financial maintained a physical presence with 82 full-service and 9 limited-service bank branches across Tennessee, Northern Alabama, Southern Kentucky, and Northern Georgia, in addition to 23 mortgage offices situated throughout the southeastern United States. The company, which originated in 1906, was formerly known as First South Bancorp, Inc., before adopting the name FB Financial Corporation in 2016, and its headquarters are located in Nashville, Tennessee.

                FB Financial (FBK1) Earnings & Revenues

                FBK1 Company Deck

                FBK1 Earnings Call

                Q2 2026
                0:00 / 0:00
                Earnings Call Sentiment|Positive
                The call highlighted strong quarter-over-quarter performance: double-digit annualized loan growth (11.6%), mid-single-digit deposit growth (7.7% annualized), an 8% increase in pretax pre-provision net revenue, solid EPS ($1.13 GAAP, $1.14 adjusted), improved efficiency (52.3%) and robust capital ratios with an active share repurchase program (≈3% of shares). Offsetting these positives were higher provision expense (+~$7M), an uptick in nonperforming assets tied to three specific relationships, a modest decline in mortgage banking revenue ($1.1M) due to holding loans on the balance sheet, and anticipated margin and deposit-cost pressures from elevated competition; management expects some expense normalization as hiring resumes. On balance, the company presented strong operating momentum, disciplined capital deployment and manageable credit issues tied to a few specific credits rather than broad portfolio weakness.View all MX:FBK1 earnings summaries

                FBK1 Stock 12 Month Forecast

                Average Price Target

                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