FB Financial Corporation Common Stock (FBK)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at FB Financial as a plain regional bank: it takes deposits and makes loans through FirstBank, with a mortgage arm. Banking is a commodity business, so the moat usually comes from local relationships, low-cost deposits, and disciplined underwriting. The data here is incomplete for judging that: CET1 capital, net interest margin, and combined ratio are not provided, and revenue is n/a in the filed periods shown. What I can see is decent but not exciting. At the 2026-10-13 close of $50.72, FairStock calculates a P/E of 11.17, P/B of 1.31, and ROE of 11.93%. The dividend yield is 1.66%, and beta is 0.97. The provided EPS input is $4.54, but filed diluted EPS was $1.13 in fiscal Q2 2026 (the quarter ended 2026-06-30) and $1.10 in fiscal Q1 2026 (the quarter ended 2026-03-31), so I would want that difference explained. The recent profit rebound is real: net income was $58.6M in fiscal Q2 2026 versus $2.9M in fiscal Q2 2025. Yet annual results are uneven—$120.2M in FY2023, $116.0M in FY2024, and $122.6M in FY2025—and the FairStock Piotroski F-Score is only 4/9. The stock sits near the low end of its 52-week range. At about 1.3 times book and 11 times FairStock earnings, the price is not demanding if credit holds up. But without CET1, NIM, and credit-cost data, I cannot call it a bargain with confidence. It is a watch-list bank, not a fat pitch.

In plain English: FB Financial is a bank holding company that runs FirstBank, taking deposits and making loans to businesses and consumers, and it also provides mortgage services. Its latest reported profits were much stronger than a year earlier, and the business looks reasonably solid. At the recent price, the shares look roughly fair to a little cheap compared with its earnings and accounting value, though banks always depend on credit conditions.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer