FB Financial Corporation Common Stock (FBK)

FairStock Score: 53/100 — MIXED

Key Financials

Strengths

• Healthy net profit margin of 10.3% showing consistent profitability
• Revenue growth of 37.9% demonstrates strong top-line momentum

Concerns

• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

FB Financial Corporation Common Stock is a small-cap financial services company valued at $2.8 billion. The business generates $558 million in annual revenue with a 10.3% net margin. From a quality standpoint, FB shows distressed Altman Z-Score of 0.2 warrants caution and modest 8% ROE. On valuation, the stock is reasonably priced at 18.9x earnings, with trades above its Graham Number with a negative 12% margin. Growth dynamics show revenue growing at 37.9% and profit growth of 50.4%. The 1.6% dividend yield adds an income component for patient holders. Our composite FairStock Score of 53/100 reflects mixed fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

FB's 38% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer