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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

NBT Bancorp, Inc.

Fulton Financial Corp.

Axos Financial, Inc.

City Holding Co.

OFG Bancorp

Community Bank System, Inc.

FB Financial Corp.

Park National Corp.

First Merchants Corp. (Indiana)

WaFd, Inc.

Simmons First 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 2.31%, its profits have risen by 12.8% ; the PEG ratio of the company is 1.2

Underperformed the market in the last 1 year

The stock has generated a return of 2.31% in the last 1 year, much lower than market (S&P 500) returns of 12.94%

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.

1.09%

2.04

31.26%

S&P 500

13.22%

0.64

20.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.24%

EBIT Growth (5y)

-20.35%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.47%

Pledged Shares

Institutional Holding

67.53%

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

1.25

EV to EBIT

7.99

EV to EBITDA

7.46

EV to Capital Employed

1.52

EV to Sales

1.61

PEG Ratio

1.19

Dividend Yield

1.68%

ROCE (Latest)

19.07%

ROE (Latest)

7.98%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

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

8What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 111.42 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 301.59%

OPERATING PROFIT(Q)

Highest at USD 53.55 MM

OPERATING PROFIT MARGIN(Q)

Highest at 29.41 %

-16What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 127.23 MM

GROSS NPA (%)

PRE-TAX PROFIT(Q)

Lowest at USD -7 MM

NET PROFIT(Q)

Lowest at USD 5.64 MM

EPS(Q)

Lowest at USD 0.06

Here's what is working for FB Financial Corp.

NII

Highest at USD 111.42 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (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 Profit

Highest at USD 53.55 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 29.41 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend Payout Ratio

Highest at 301.59%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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

Pre-Tax Profit

At USD -7 MM has Fallen at -113.75%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 5.64 MM has Fallen at -85.89%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 127.23 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.97%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Pre-Tax Profit

Lowest at USD -7 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 5.64 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.06

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Capital Adequacy Ratio

Lowest at 12.6%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)