FB Financial Corp. (FBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Axos Financial, Inc.

Community Bank System, Inc.

OFG Bancorp

City Holding Co.

FB Financial Corp.

NBT Bancorp, Inc.

Fulton Financial Corp.

WaFd, Inc.

First Merchants Corp. (Indiana)

Simmons First National Corp.

Park National Corp.

Why is FB Financial Corp. ?

High Profitability with a Net Interest Margin of 2.49%

Positive results in Jun 25

DIVIDEND PER SHARE(HY) Highest at USD 0
NII(Q) Highest at USD 111.42 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 301.59%

With ROA of 0.71%, it has a fair valuation with a 1.25 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 4.83%, its profits have risen by 12.8% ; the PEG ratio of the company is 1.2

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to FB Financial Corp. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is FB Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

FB Financial Corp.

29.31%

2.15

31.30%

S&P 500

22.36%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.52%

EBIT Growth (5y)

-13.07%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

31.03%

Pledged Shares

Institutional Holding

84.19%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.36

EV to EBIT

9.28

EV to EBITDA

8.29

EV to Capital Employed

2.09

EV to Sales

1.62

PEG Ratio

2.64

Dividend Yield

1.43%

ROCE (Latest)

22.49%

ROE (Latest)

7.31%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

22What is working for the Company

PRE-TAX PROFIT(Q)

At USD 73.16 MM has Grown at 1,144.94%

NET PROFIT(Q)

At USD 58.65 MM has Grown at 939.32%

OPERATING CASH FLOW(Y)

Highest at USD 207.04 MM

ROCE(HY)

Highest at 1.3%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 89.67%

EPS(Q)

Highest at USD 1.13

-5What is not working for the Company

ROCE(HY)

Lowest at 1.3%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 18.51%

Here's what is working for FB Financial Corp.

Pre-Tax Profit

At USD 73.16 MM has Grown at 1,144.94%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 58.65 MM has Grown at 939.32%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 207.04 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

EPS

Highest at USD 1.13

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 89.67%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for FB Financial Corp.

Non Performing Loans (%)

Highest at 1.17%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 18.51%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)