YOLFTbeta
FB Financial Corp

FB Financial Corp

FBK · NYSE · Financial Services / Banks - Regional

54.63USD+0.10 (+0.18%)

Price History

Full chart

Market Stats

Previous Close54.53
Open54.62
Day Range54.09 – 54.77
52-Week Range48.87 – 62.66
Volume178.74K
Market Cap2.64B
P/E (TTM)13.93
Forward P/E14.88
EPS3.79
Dividend Yield1.59%
Beta0.92
50-Day Avg58.05
200-Day Avg56.03

About

FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services. The company operates in two segments, Banking and Mortgage. It offers interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies. The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking. It operates through various full-service branch locations, as well as online or mobile banking. The company serves retail and wealth consumers, small businesses, and corporate clients and owners. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Christopher T. Holmes
  • Employees1.59K
  • Headquarters1221 Broadway, Nashville, TN, United States, 37203, USA
  • Websitehttps://www.firstbankonline.com

Leadership

  • Mr. Christopher T. HolmesPresident, CEO & Director · b. 1964
  • Mr. Michael M. MetteeCOO & CFO · b. 1981
  • Mr. Travis K. EdmondsonChief Credit Officer · b. 1980
  • Ms. Aimee T. HamiltonChief Risk Officer · b. 1966
  • Mr. Scott J. TansilChief Business & Operations Officer · b. 1970
  • Ms. Lynn J. JoyceChief Accounting Officer · b. 1964
  • Ms. Elizabeth W. Sims J.D.General Counsel & Corporate Secretary · b. 1975
  • Mr. Mark E. HickmanChief Human Resources Officer · b. 1977
  • Ms. Kimberly PhegleyChief Audit Executive
  • Mr. Brent BallHead of Community Banking

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue105.85M128.47M143.69M192.37M265.18M311.19M370.21M417.93M616.50M613.25M596.35M748.98M766.77M877.84M
Growth (%)-+21.37%+11.85%+33.88%+37.85%+17.35%+18.97%+12.89%+47.51%-0.53%-2.76%+25.59%+2.38%+14.48%
Cost of Revenue-10.09M6.80M5.85M8.06M15.39M40.90M63.55M156.95M-3.37M88.17M273.73M321.04M361.10M
Gross Profit105.85M118.38M136.89M186.52M257.11M295.80M329.31M354.38M459.55M616.62M508.19M475.25M445.74M516.73M
Gross Margin100.00%92.15%95.27%96.96%96.96%95.05%88.95%84.79%74.54%100.55%85.22%63.45%58.13%58.86%
Operating Expense74.66M89.58M102.16M135.70M194.79M222.32M223.46M244.84M377.08M373.57M348.61M324.96M299.07M378.21M
Operating Income31.19M28.80M34.73M50.82M62.32M73.48M105.85M109.54M82.46M243.05M159.57M150.29M146.67M138.52M
Operating Margin29.47%22.42%24.17%26.42%23.50%23.61%28.59%26.21%13.38%39.63%26.76%20.07%19.13%15.78%
EBITDA4.66M33.46M39.84M58.44M76.77M79.80M113.37M119.05M95.32M256.94M172.18M165.13M161.58M150.70M
EBITDA Margin4.40%26.04%27.73%30.38%28.95%25.64%30.62%28.49%15.46%41.90%28.87%22.05%21.07%17.17%
Net Income20.52M26.90M32.46M47.86M40.59M52.40M80.24M83.81M63.62M190.28M124.56M120.22M116.03M122.62M
Net Income Margin19.38%20.94%22.59%24.88%15.31%16.84%21.67%20.05%10.32%31.03%20.89%16.05%15.13%13.97%
R&D----000-------
R&D as % of Total Revenue----0.00%0.00%0.00%-------
Interest Expense-11.61M9.51M8.91M9.54M16.34M35.50M56.50M48.99M37.63M69.19M271.19M309.04M317.83M
Interest Expense % of Total Revenue-9.03%6.62%4.63%3.60%5.25%9.59%13.52%7.95%6.14%11.60%36.21%40.30%36.21%

Balance Sheet

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.23B2.26B2.43B2.90B3.28B4.73B5.14B6.12B11.21B12.60B12.85B12.60B13.16B16.30B
Total Liabilities2.04B2.07B2.21B2.66B2.95B4.13B4.46B5.36B9.92B11.16B11.52B11.15B11.59B14.35B
Total Equity197.37M189.69M215.23M236.67M330.50M596.73M671.86M762.33M1.29B1.43B1.33B1.45B1.57B1.95B
Cash58.82M61.63M40.99M76.09M123.29M53.62M93.99M101.56M1.20B1.67B816.52M727.61M916.66M942.50M
Total Debt-244.92M257.34M179.75M216.45M537.60M1.06B345.75M299.69M226.52M494.99M468.35M246.55M283.21M
Net Debt-58.82M183.29M216.35M103.65M93.16M279.68M133.78M244.18M-897.05M-1.44B-321.53M-259.25M-670.11M-659.30M

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-10.86M60.96M-105.61M-45.77M-245.20M37.61M212.21M63.91M-269.29M54.88M789.33M211.07M138.80M155.86M
Investing Cash Flow-122.57M-74.20M-29.61M-51.82M-32.74M-267.17M-586.50M-182.91M309.42M-849.56M-1.74B-55.22M-294.00M-32.48M
Financing Cash Flow134.88M22.02M117.58M145.37M316.55M212.98M379.90M226.33M1.05B1.27B184.10M-371.98M386.76M-9.97M
Capital Expenditure7.65M5.91M5.42M5.92M4.78M4.54M10.14M6.81M5.93M6.10M10.63M20.23M6.55M8.85M
Free Cash Flow-18.51M55.05M-111.03M-51.69M-249.99M33.06M202.06M57.09M-275.22M48.78M778.70M190.84M132.25M147.01M
Dividends Paid-11.26M14.85M25.35M69.30M6.14M6.14M10.04M14.26M21.58M24.50M28.06M31.78M37.89M
FCF to OCF170.48%90.31%105.14%112.93%101.95%87.92%95.22%89.34%102.20%88.88%98.65%90.42%95.28%94.32%
Dividend Paid to FCF-20.45%-13.37%-49.04%-27.72%18.56%3.04%17.59%-5.18%44.25%3.15%14.70%24.03%25.77%

Earnings

Report DateOct 27, 2016Jan 26, 2017Apr 24, 2017Jul 24, 2017Oct 23, 2017Jan 22, 2018Apr 23, 2018Jul 23, 2018Oct 22, 2018Jan 22, 2019Apr 22, 2019Jul 22, 2019Oct 21, 2019Jan 21, 2020Apr 27, 2020Jul 20, 2020Oct 26, 2020Jan 25, 2021Apr 26, 2021Jul 19, 2021Oct 18, 2021Jan 18, 2022Apr 18, 2022Jul 18, 2022Oct 17, 2022Jan 17, 2023Apr 17, 2023Jul 17, 2023Oct 16, 2023Jan 16, 2024Apr 15, 2024Jul 15, 2024Oct 15, 2024Jan 21, 2025Apr 14, 2025Jul 14, 2025Oct 14, 2025Jan 21, 2026Apr 13, 2026Jul 13, 2026Oct 13, 2026
EPS Estimate0.540.420.350.450.470.540.640.720.720.630.590.700.720.660.550.460.420.840.900.750.820.800.720.790.800.790.720.650.690.700.700.760.800.840.840.880.961.121.111.141.21
EPS Actual0.700.430.420.490.600.600.660.720.680.550.660.700.770.700.170.741.461.141.120.880.890.890.740.640.680.850.760.770.710.770.850.840.860.850.850.881.071.161.121.14-
Surprise29.63%2.38%20.00%8.89%27.66%11.11%3.13%0.00%-5.56%-12.70%11.86%0.00%6.94%6.06%-69.09%60.87%247.62%35.71%24.44%17.33%8.54%11.25%2.78%-18.99%-15.00%7.59%5.56%18.46%2.90%10.00%21.43%10.53%7.50%1.19%1.19%0.00%11.46%3.57%0.90%0.00%-
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.64B
Enterprise Value1.90B
Trailing P/E13.93
Forward P/E14.88
PEG Ratio0.00
Price / Sales4.06
Price / Book1.36
EPS3.79
Book Value38.75
Revenue (TTM)650.78M
Gross Profit (TTM)650.78M
Profit Margin30.20%
Operating Margin45.56%
Return on Equity11.08%
Return on Assets1.30%
Shares Outstanding49.98M
Shares Float48.84M
Beta0.92
Dividend Yield1.59%
Dividend Rate0.84
Payout Ratio18.26%

Analyst Ratings

Buy
Based on 6 analystsTarget 66.34
  • Strong Buy
    3
  • Hold
    3

Ownership Breakdown

Institutions
83.27%
Insiders
2.09%
Retail / Other
14.64%

Top Institutional Holders

  • BlackRock Inc
    6.12M12.25%
  • T. Rowe Price Investment Management,Inc.
    3.87M7.74%
  • State Street Corp
    2.27M4.53%
  • Dimensional Fund Advisors, Inc.
    2.03M4.07%
  • Vanguard Capital Management, LLC
    1.88M3.77%
  • Westwood Holdings Group Inc
    1.26M2.52%
  • Wellington Management Company LLP
    1.07M2.14%
  • Geode Capital Management, LLC
    1.04M2.08%
  • DePrince Race & Zollo Inc
    1.04M2.07%
  • Loomis, Sayles & Company LP
    871.14K1.74%
  • Vanguard Portfolio Management, LLC
    789.87K1.58%
  • Bank of America Corp
    753.26K1.51%
  • The Goldman Sachs Group Inc
    668.32K1.34%
  • Frontier Capital Management CO Inc
    642.61K1.29%
  • Davis Asset Management, L.P.
    619.24K1.24%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    2.45M4.91%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.65M3.30%
  • T. Rowe Price Small-Cap Value
    1.21M2.43%
  • iShares Russell 2000 ETF
    1.14M2.27%
  • T. Rowe Price Small-Cap Stock
    632.21K1.26%

Dividends

20264×
0.21Nov 10, 20260.21Aug 11, 20260.21May 12, 20260.21Feb 10, 2026
20254×
0.19Nov 11, 20250.19Aug 12, 20250.19May 13, 20250.19Feb 11, 2025
20244×
0.17Nov 5, 20240.17Aug 6, 20240.17May 13, 20240.17Feb 12, 2024
20234×
0.15Nov 6, 20230.15Aug 11, 20230.15May 8, 20230.15Feb 6, 2023
20224×
0.13Nov 8, 20220.13Aug 5, 20220.13May 6, 20220.13Feb 7, 2022
20214×
0.11Nov 5, 20210.11Aug 6, 20210.11May 7, 20210.11Feb 5, 2021