FB Financial Corporation (FBK) AI Stock Analysis

FB Financial Corporation operates as a bank holding company for FirstBank, serving corporate, commercial, and individual customers through its Banking and Mortgage segments. The company offers deposit accounts such as checking, savings, and money market options, alongside comprehensive lending solutions. Its credit portfolio spans owner-occupied and non-owner-occupied commercial real estate, residential mortgages, multi-family loans, construction financing, and consumer loans including vehicle and recreational vehicle financing. FB Financial also provides mortgage banking, trust, insurance, and investment management services. Headquartered with branch operations across the southeastern United States, it delivers services via physical locations and digital mobile and online banking channels.

FB Financial increased annual revenue from $613.3M in FY2021 to $877.8M in FY2025, posting a 5-year revenue compound annual growth rate of 7.3%. Annual net income moved from $190.3M in FY2021 to $122.6M in FY2025, while diluted earnings per share reached $3.96. Operating margin was 15.8% in FY2025 compared to 39.6% in FY2021. For the trailing twelve months ended September 30, 2026, revenue stood at $684.4M with an operating margin of 45.5% and diluted earnings per share of $4.54. In the latest quarter, revenue grew 24.1% year over year, while quarterly earnings increased by 179.1%.

As of September 30, 2026, FB Financial held $1.70B in cash and short-term investments against total debt of $321.6M, resulting in net cash of $1.37B. Total assets stood at $17.09B and shareholders' equity reached $1.93B, representing a debt-to-equity ratio of 0.17. In FY2025, operating cash flow was $155.9M and free cash flow reached $147.0M after capital expenditures of $8.8M. The company allocated $155.9M to share repurchases and paid $37.9M in dividends during FY2025.

FB Financial trades at a trailing price-to-earnings multiple of 11.4x, which is lower than the 12.1x median of its US-listed Financial Services peers. Its forward price-to-earnings multiple of 14.9x stands above the peer median of 10.8x, and its price-to-sales ratio of 3.7x compares to the peer median of 3.2x. Over the past year, FBK shares gained 0.4%, lagging the S&P 500's 16.8% return. Over a 5-year period, the stock gained 23.3% compared to an 83.0% return for the benchmark.

FB Financial pays an annualized dividend of $0.84 per share, translating to a dividend yield of 1.63% based on a payout ratio of 14.4%. The company distributes dividends quarterly and has paid dividends for 9 consecutive years, reflecting a 5-year annualized dividend growth rate of 16.1%. The last ex-dividend date was August 11, 2026.

Wall Street coverage includes 6 Strong Buy ratings, 2 Buy ratings, and zero Hold, Sell, or Strong Sell recommendations. The mean price target is $63.38, representing an upside of 23.0% from the last close of $51.54. For the fiscal year ending December 31, 2026, consensus expectations project revenue of $704.4M and earnings per share of $4.67, representing 16.9% earnings growth. Over the last four quarters, the bank has beaten consensus earnings estimates in 2 periods.

This page is an AI-written research summary of FB Financial Corporation (FBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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