FBK
Neutral signalScored 2026-10-26 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
Research, not advice.
À propos
FB Financial Corporation
- Nom
- FB Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $2.7B
- Employés
- 1,594
- PDG
- Christopher T. Holmes
- Site web
- https://www.firstbankonline.com
- Marché
- BKUCATYCBUFHBRNSTSBCF
FB Financial Corporation functions as the parent entity for FirstBank, offering an extensive array of commercial and consumer banking solutions tailored for businesses, professionals, and individual clients. The company organizes its activities into two primary divisions: Banking and Mortgage. Its deposit offerings include checking, demand, money market, savings accounts, time deposits, and certificates of deposit. For lending, FB Financial provides a wide range of products for corporate, commercial, and consumer customers, such as financing for owner-occupied and investment commercial real estate, residential mortgages for single-family to four-family homes and multi-family units, commercial and industrial loans, construction financing, land acquisition, and land development loans. Consumer credit options feature residential lines of credit, loans for vehicles (cars, boats, and other recreational vehicles), manufactured homes (excluding land), and personal lines of credit. Additionally, the company engages in mortgage origination and delivers mortgage banking services through its branch network across the southeastern U.S. and via its digital platforms. Further services include trust, insurance, investment advisory, and modern online and mobile banking capabilities. As of December 31, 2021, FB Financial maintained a physical presence with 82 full-service and 9 limited-service bank branches across Tennessee, Northern Alabama, Southern Kentucky, and Northern Georgia, in addition to 23 mortgage offices situated throughout the southeastern United States. The company, which originated in 1906, was formerly known as First South Bancorp, Inc., before adopting the name FB Financial Corporation in 2016, and its headquarters are located in Nashville, Tennessee.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 29 081 titres (~1 531 987,08 $ US)
- Insiders
- INGRAM ORRIN H II
- Total bought
-
$1,531,987
Avg buy (VWAP, 90d window) $53.11 vs last close $53.67 (+1.1%)
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-20
- Liquidity
- Liquid $28,966,933/day · 20d vol
- Last synced
-
2026-10-26 21:10:26
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-20 | INGRAM ORRIN H II | Buy · P | 13,490 | $53.11 | $716,454 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-05-29 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-15 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-05 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-26 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
FBK's critically low liquidity ratios (current ratio 0.116) and debt coverage metrics well below 1.0 signal severe financial distress that overwhelms the moderate insider-buy catalyst (score 55, confidence 0.65).
The first sentence of the analysis written for FBK on 2026-10-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Supports a bullish reading. 3 purchase disclosures year to date
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.12 · operating margin 16% — readings disagree
Suggested stop 52.21, nearest stored support minus 0.5 ATR(2.7% under the last close). Reward/risk to the next stored resistance is 0.40. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Recent news
- 2026-10-22 FB Financial Corporation Declares Regular Quarterly Dividend NASHVILLE, Tenn.--(BUSINESS WIRE)--FB Financial Corporation (NYSE: FBK) announced today that its board of directors declared a quarterly cash dividend of $0.21 per share. The dividend is payable on November 24, 2026, to shareholders of record as of November 10, 2026.“We are pleased to announce our 35th consecutive quarterly dividend,” said Christopher T. Holmes, President and Chief Executive Officer. “This dividend reflects our commitment to delivering value to our shareholders and underscores t.
- 2026-10-19 FB Financial: 3 Key Takeaways for Long-Term Investors FB Financial grew customer deposits at an 11% annualized rate. Annualized third-quarter loan growth reached 9.7% across commercial and consumer lines.
- 2026-10-14 FB Financial Analysts Reduce Their Forecasts After Mixed Q3 Results FB Financial Corp (NYSE:FBK) on Tuesday posted mixed results for the third quarter.
- 2026-10-13 Why FB Financial Stock Tumbled on Tuesday The company met the consensus analyst estimate for profitability, but whiffed on revenue. On a brighter note, it managed to grow both deposits and loans.
- 2026-10-13 FB Financial Corporation (FBK) Q3 2026 Earnings Call Transcript FB Financial Corporation (FBK) Q3 2026 Earnings Call Transcript
- 2026-10-13 What FB Financial (FBK) Said on Its Q3 Earnings Call FB Financial NYSE: FBK reported third-quarter 2026 net income of $60.2 million, or $1.20 per share, as loan and deposit growth remained strong across its commercial and consumer businesses. Adjusted net income was $60.9 million, or $1.21 per share.
- 2026-10-13 FB Financial: Well-Capitalized But Margin Pressure Limits Upside FB Financial remains a "Hold" as margin pressure and rising deposit costs cap near-term upside despite solid fundamentals. FBK''s loan growth is robust, credit quality remains strong, and its securities portfolio is small and mostly floating rate, limiting mark-to-market risk. Deposit competition is intensifying, compressing NIM to 3.83%, but loan yields are expected to rise in Q4, partially offsetting pressure.
- 2026-10-13 FB Financial (FBK) Reports Q3 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for FB Financial (FBK) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-10-13 FB Financial (FBK) Q3 Earnings Match Estimates FB Financial (FBK) came out with quarterly earnings of $1.21 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $1.07 per share a year ago.
- 2026-10-13 FB Financial Corporation Reports Third Quarter 2026 Financial Results NASHVILLE, Tenn.--(BUSINESS WIRE)--FB Financial Corporation (the “Company”) (NYSE: FBK), parent company of FirstBank, reported net income of $60.2 million, or $1.20 per diluted common share, for the third quarter of 2026, compared to $1.13 in the previous quarter and $0.43 in the third quarter of last year. Adjusted net income* was $60.9 million, or $1.21 per diluted common share, compared to $1.14 in the previous quarter and $1.07 in the third quarter of last year. The Company ended the third.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 58.9% | 58.1% | 63.5% | 85.2% | 100.5% | |
| Ebit Margin | 15.8% | 19.1% | 20.1% | 26.8% | 39.6% | |
| Ebitda Margin | 17.8% | 21.1% | 22.0% | 28.9% | 41.9% | |
| Operating Profit Margin | 15.8% | 19.1% | 20.1% | 26.8% | 39.6% | |
| Pretax Profit Margin | 15.8% | 19.1% | 20.1% | 26.8% | 39.6% | |
| Continuous Operations Profit Margin | 14.0% | 15.1% | 16.1% | 20.9% | 31.0% | |
| Net Profit Margin | 14.0% | 15.1% | 16.1% | 20.9% | 31.0% | |
| Bottom Line Profit Margin | 14.0% | 15.1% | 16.1% | 20.9% | 31.0% | |
| Current Ratio | 0.116 | 0.166 | 0.170 | 0.218 | 0.318 | |
| Quick Ratio | 0.116 | 0.166 | 0.170 | 0.218 | 0.318 | |
| Solvency Ratio | 0.010 | 0.011 | 0.012 | 0.012 | 0.018 | |
| Cash Ratio | 0.067 | 0.081 | 0.068 | 0.075 | 0.154 | |
| Price To Earnings Ratio | 23.154 | 20.687 | 15.506 | 13.689 | 10.928 | |
| Price To Earnings Growth Ratio | -7.207 | -6.646 | -5.848 | -0.401 | 0.080 | |
| Forward Price To Earnings Growth Ratio | -7.207 | -6.646 | -5.848 | -0.401 | 0.080 | |
| Price To Earnings Diluted Ratio | 23.250 | 20.770 | 15.506 | 13.689 | 11.038 | |
| Price To Earnings Diluted Growth Ratio | -7.207 | -5.931 | -5.848 | -0.409 | 0.080 | |
| Price To Book Ratio | 1.520 | 1.533 | 1.281 | 1.285 | 1.451 | |
| Price To Sales Ratio | 3.374 | 3.134 | 2.489 | 2.855 | 3.389 | |
| Price To Free Cash Flow Ratio | 20.145 | 18.172 | 9.768 | 2.158 | 42.612 | |
| Price To Operating Cash Flow Ratio | 19.001 | 17.315 | 8.832 | 2.129 | 37.874 | |
| Debt To Assets Ratio | 0.017 | 0.019 | 0.037 | 0.039 | 0.018 | |
| Debt To Equity Ratio | 0.145 | 0.157 | 0.322 | 0.373 | 0.158 | |
| Debt To Capital Ratio | 0.127 | 0.136 | 0.244 | 0.272 | 0.137 | |
| Long Term Debt To Capital Ratio | 0.059 | 0.099 | 0.167 | 0.243 | 0.112 | |
| Financial Leverage Ratio | 8.367 | 8.394 | 8.664 | 9.693 | 8.794 | |
| Working Capital Turnover Ratio | -0.080 | -0.084 | -0.086 | -0.075 | -0.085 | |
| Operating Cash Flow Ratio | 0.011 | 0.012 | 0.020 | 0.074 | 0.005 | |
| Operating Cash Flow Sales Ratio | 0.178 | 0.181 | 0.282 | 1.341 | 0.089 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.943 | 0.953 | 0.904 | 0.987 | 0.889 | |
| Debt Service Coverage Ratio | 0.335 | 0.406 | 0.356 | 1.983 | 5.427 | |
| Interest Coverage Ratio | 0.436 | 0.475 | 0.554 | 2.306 | 6.459 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.561 | 10.282 | 1.941 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.550 | 0.563 | 0.451 | 1.616 | 0.242 | |
| Capital Expenditure Coverage Ratio | 17.614 | 21.204 | 10.434 | 75.239 | 8.993 | |
| Dividend Paid And Capex Coverage Ratio | 3.335 | 3.622 | 4.371 | 22.763 | 2.035 | |
| Dividend Payout Ratio | 0.309 | 0.274 | 0.233 | 0.197 | 0.110 | |
| Enterprise Value Multiple | 14.770 | 10.726 | 9.719 | 8.022 | 2.473 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 58.9% | ▲0.7% | ▼-14.4% |
| Ebit Margin | 15.8% | ▼-3.4% | ▼-8.5% |
| Ebitda Margin | 17.8% | ▼-3.3% | ▼-8.6% |
| Operating Profit Margin | 15.8% | ▼-3.4% | ▼-8.5% |
| Pretax Profit Margin | 15.8% | ▼-3.4% | ▼-8.5% |
| Continuous Operations Profit Margin | 14.0% | ▼-1.2% | ▼-5.5% |
| Net Profit Margin | 14.0% | ▼-1.2% | ▼-5.4% |
| Bottom Line Profit Margin | 14.0% | ▼-1.2% | ▼-5.4% |
| Current Ratio | 0.116 | ▼-0.050 | ▼-0.082 |
| Quick Ratio | 0.116 | ▼-0.050 | ▼-0.082 |
| Solvency Ratio | 0.010 | ▼-0.002 | ▼-0.003 |
| Cash Ratio | 0.067 | ▼-0.014 | ▼-0.022 |
| Price To Earnings Ratio | 23.154 | ▲2.467 | ▲6.361 |
| Price To Earnings Growth Ratio | -7.207 | ▼-0.561 | ▼-3.202 |
| Forward Price To Earnings Growth Ratio | -7.207 | ▼-0.561 | ▼-3.202 |
| Price To Earnings Diluted Ratio | 23.250 | ▲2.480 | ▲6.399 |
| Price To Earnings Diluted Growth Ratio | -7.207 | ▼-1.276 | ▼-3.345 |
| Price To Book Ratio | 1.520 | ▼-0.013 | ▲0.106 |
| Price To Sales Ratio | 3.374 | ▲0.239 | ▲0.326 |
| Price To Free Cash Flow Ratio | 20.145 | ▲1.973 | ▲1.574 |
| Price To Operating Cash Flow Ratio | 19.001 | ▲1.686 | ▲1.971 |
| Debt To Assets Ratio | 0.017 | ▼-0.001 | ▼-0.009 |
| Debt To Equity Ratio | 0.145 | ▼-0.012 | ▼-0.086 |
| Debt To Capital Ratio | 0.127 | ▼-0.009 | ▼-0.056 |
| Long Term Debt To Capital Ratio | 0.059 | ▼-0.040 | ▼-0.077 |
| Financial Leverage Ratio | 8.367 | ▼-0.027 | ▼-0.415 |
| Working Capital Turnover Ratio | -0.080 | ▲0.004 | ▲0.002 |
| Operating Cash Flow Ratio | 0.011 | ▼-0.001 | ▼-0.013 |
| Operating Cash Flow Sales Ratio | 0.178 | ▼-0.004 | ▼-0.237 |
| Free Cash Flow Operating Cash Flow Ratio | 0.943 | ▼-0.010 | ▲0.008 |
| Debt Service Coverage Ratio | 0.335 | ▼-0.071 | ▼-1.366 |
| Interest Coverage Ratio | 0.436 | ▼-0.039 | ▼-1.610 |
| Short Term Operating Cash Flow Coverage Ratio | 1.561 | ▼-8.722 | ▼-1.196 |
| Operating Cash Flow Coverage Ratio | 0.550 | ▼-0.013 | ▼-0.134 |
| Capital Expenditure Coverage Ratio | 17.614 | ▼-3.590 | ▼-9.083 |
| Dividend Paid And Capex Coverage Ratio | 3.335 | ▼-0.287 | ▼-3.890 |
| Dividend Payout Ratio | 0.309 | ▲0.035 | ▲0.085 |
| Enterprise Value Multiple | 14.771 | ▲4.044 | ▲5.628 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.96B | $2.40B | $1.86B | $1.70B | $2.08B | |
| Enterprise value | $2.30B | $1.73B | $1.60B | $1.38B | $635.3M | |
| EV / Sales | 2.62x | 2.26x | 2.14x | 2.32x | 1.04x | |
| EV / Op. cash flow | 14.77x | 12.49x | 7.60x | 1.73x | 11.58x | |
| EV / Free cash flow | 15.66x | 13.11x | 8.41x | 1.75x | 13.03x | |
| EV / EBITDA | 14.77x | 10.73x | 9.72x | 8.02x | 2.47x | |
| Net debt / EBITDA | -4.23x | -4.15x | -1.57x | -1.87x | -5.62x | |
| Current ratio | 0.12x | 0.17x | 0.17x | 0.22x | 0.32x | |
| Income quality | 1.27x | 1.20x | 1.76x | 6.42x | 0.29x | |
| Graham number | $44 | $43 | $42 | $41 | $52 | |
| Graham net-net | -$240 | -$209 | -$200 | -$195 | -$163 | |
| Tax burden | 88.5% | 79.1% | 80.0% | 78.1% | 78.3% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$12.43B | -$9.40B | -$8.88B | -$8.50B | -$7.40B | |
| Invested capital | -$11.66B | -$8.79B | -$8.25B | -$7.87B | -$6.84B | |
| Return on assets | 0.8% | 0.9% | 1.0% | 1.0% | 1.5% | |
| Operating ROA | 0.9% | 1.1% | 1.2% | 1.3% | 2.0% | |
| Return on tangible assets | 0.8% | 0.9% | 1.0% | 1.0% | 1.6% | |
| Return on equity | 6.3% | 7.4% | 8.3% | 9.4% | 13.3% | |
| Return on invested capital | 5.2% | 6.1% | 6.0% | 6.4% | 11.0% | |
| Return on capital employed | 6.2% | 7.8% | 7.9% | 8.1% | 14.0% | |
| Earnings yield | 4.1% | 4.8% | 6.4% | 7.3% | 9.2% | |
| Free cash flow yield | 5.0% | 5.5% | 10.2% | 46.3% | 2.3% | |
| Capex / Op. cash flow | 5.7% | 4.7% | 9.6% | 1.3% | 11.1% | |
| Capex / Depreciation | 51.0% | 43.9% | 136.3% | 84.3% | 43.9% | |
| Capex / Sales | 1.0% | 0.9% | 2.7% | 1.8% | 1.0% | |
| SG&A / Sales | 28.0% | 24.9% | 28.3% | 37.3% | 42.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 2.0% | 1.2% | 1.4% | 1.7% | 1.7% | |
| Intangibles / Total assets | 3.3% | 3.1% | 3.3% | 3.3% | 3.0% | |
| Days sales outstanding | 24d | 54d | 46d | 53d | 59d | |
| Days payables outstanding | 22d | 27d | 25d | 36d | -343d | |
| Operating cycle | 24d | 54d | 46d | 53d | 59d | |
| Cash conversion cycle | 3d | 26d | 21d | 18d | 402d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years