FB Financial Corp (FBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FB Financial Corp stock (FBK) is currently trading at $52.19. FB Financial Corp PE ratio is 20.78. FB Financial Corp PS ratio (Price-to-Sales) is 5.27. Analyst consensus price target for FBK is $66.58. WallStSmart rates FBK as Moderate Buy.
- FBK PE ratio analysis and historical PE chart
- FBK PS ratio (Price-to-Sales) history and trend
- FBK intrinsic value — DCF, Graham Number, EPV models
- FBK stock price prediction 2025 2026 2027 2028 2029 2030
- FBK fair value vs current price
- FBK insider transactions and insider buying
- Is FBK undervalued or overvalued?
- FB Financial Corp financial analysis — revenue, earnings, cash flow
- FBK Piotroski F-Score and Altman Z-Score
- FBK analyst price target and Smart Rating
FB Financial Corp
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FBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FB Financial Corp (FBK)
FBK trades at a significant discount to its Graham intrinsic value of $114.66, offering a 48% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FB Financial Corp (FBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
FB Financial Corp (FBK) Key Strengths (7)
Keeps $43 of every $100 in revenue after operating costs
Revenue surging 43.90% year-over-year
Earnings per share surging 32.40% year-over-year
Keeps $24 of every $100 in revenue as net profit
81.32% of shares held by major funds and institutions
Trading at 1.35x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
FB Financial Corp (FBK) Areas to Watch (2)
Low profitability relative to shareholder equity
Premium valuation at 5.3x annual revenue
Supporting Valuation Data
FB Financial Corp (FBK) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.3/10) while 2 fall into concern territory (avg 3.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.35) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.00%, Profit Margin at 23.70%. Growth metrics are encouraging with Revenue Growth at 43.90%, EPS Growth at 32.40%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (5.27) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 6.98%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.98% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 43.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FBK's Price-to-Sales ratio of 5.27x trades at a 21% premium to its historical average of 4.36x (68th percentile). The current valuation is 36% below its historical high of 8.19x set in Dec 2017, and 117% above its historical low of 2.43x in Jun 2023. Over the past 12 months, the PS ratio has expanded from ~3.2x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for FB Financial Corp (FBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
FB Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 517M with 44% growth year-over-year. Profit margins are strong at 23.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 44% YoY, reaching 517M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 698.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can FB Financial Corp maintain 44%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 149.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact FB Financial Corp.
Bottom Line
FB Financial Corp offers an attractive blend of growth (44% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(26 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MCPHERSON, JAMES AUSTIN 10% Owner | Sell | -8,500 |
| Insider | Type | Shares |
|---|---|---|
SIMS, BETH W General Counsel and Corp. Sec. | Sell | -593 |
| Insider | Type | Shares |
|---|---|---|
PEERY, ROBERT WADE Chief Innovations Officer | Sell | -4,865 |
Data sourced from SEC Form 4 filings
Last updated: 8:25:20 AM
About FB Financial Corp(FBK)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.