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what it is
FB Financial runs a regional bank and mortgage business across the Southeast.
how it gets paid
Last year FB Financial made $834M in revenue. Commercial and consumer banking was the main engine at $610M, or 73% of sales.
why it's growing
Trailing-year revenue grew 14.9% on the annual line here. A single quarter can still show a much larger vs. prior year pop versus an easy compare—check the filing window before mixing those percentages.
what just happened
A recent quarter is on the order of ~$200–220M in revenue against ~$834M TTM (~$209M/q average)—not ~$599M, which would annualize to far more than the full-year top line unless you are reading a non-consolidated or non-revenue line from the filing.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
60/100 earnings predictability — reasonably predictable
27.9x trailing p/e — priced about right
1.6% dividend yield — cash in your pocket every quarter
$2.48 fy2024 eps est
xvary composite: 60/100 — average
What they do
FB Financial runs a regional bank and mortgage business across the Southeast.
You are not buying an app. You are buying 91 branches and $13.8 billion in deposits. Leaving means moving paychecks, cards, and loans. That is annoying enough to keep customers put. The bank also has $1.98 billion of common equity against $163 million of long-term debt.
How they make money
$834M
annual revenue · their business grew +14.9% last year
Commercial and consumer banking
$610M
+12.0%
Mortgage banking
$135M
+28.0%
Trust and investment services
$47M
+7.0%
Deposit and other fee income
$42M
+5.0%
The products that matter
business lending and treasury services
Commercial Banking
core revenue driver
this is the part that has to justify a 27.9x trailing p/e, because weak organic loan growth is already one reason the stock is down 10% since november 2025.
growth driver
consumer loans and deposit gathering
Consumer Banking
funding base
this side funds the loan book, and the bank's 23.7% net profit margin depends on deposits staying sticky enough to protect spread income.
deposit base
capital deployment
Buybacks and M&A
$100M buyback · $2B–$7B target size
management has a $100M repurchase plan and says it is looking at banks with $2B–$7B in assets, which makes capital allocation part of the investment case, not a side note.
swing factor
Key numbers
$834M
TTM revenue
This is the annual top line. It is the size of the whole machine, before loan losses and salaries take their cut.
$1.83
trailing EPS
You get $1.83 in profit per share over 12 months. The stock at $59.64 trades at 27.9x that number.
1.6%
dividend yield
You collect $1.60 a year for every $100 you own. That is income, not excitement.
$163M
long-term debt
Debt is small next to $1.98 billion of common equity. That makes the balance sheet less dramatic than the stock chart.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $163M (6% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FBK right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter in this snapshot is roughly ~$210M (q) in revenue (one-fourth of ~$834M TTM) with EPS on the order of ~$1.34 if your feed matches that print—reconcile both to the same fiscal line in the 10-Q.
Ignore mashed feeds that show ~$599M “quarterly revenue” against ~$834M TTM; that math does not close. Ignore vendor lines that show nonsense like a $6M “FY revenue” next to real filing scale.
~$210M
revenue (q)
~$1.34
eps (q)
$834M
ttm revenue
the number that mattered
The fix that mattered is period discipline: ~$210M (q) sits inside ~$834M TTM, while ~$599M “quarterly revenue” cannot—always tie EPS to the same revenue line and quarter in the filing.
source: company earnings report, 2025
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What could go wrong
the #1 risk is organic loan growth staying weak. FBK can post a profitable quarter and still go nowhere if the lending book does not start expanding again.
med
organic loan growth stalls out
The stock is already down 10% since november 2025 while the page flags weak loan growth and some credit concern. If that keeps up, a 27.9x trailing p/e gets harder to defend.
hits the core lending engine
med
the acquisition plan gets expensive
Management is looking at a bank with $2B–$7B in assets. That can add scale fast. It can also turn a growth fix into an integration problem if the price is wrong.
capital allocation risk
low
buybacks help EPS more than the business
A $100M repurchase plan can support per-share math and signal confidence. It cannot create loan demand. If growth stays soft, the buyback does cosmetic work first.
supports EPS, not demand
A 23.7% net profit margin gives FBK room to maneuver. If the next EPS step is $1.10 instead of another $1.16-type print, the argument shifts from quality to growth.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
Q1 2026 earnings around april 20, 2026
Consensus expects $1.10 of EPS, down 5.17%. If the bank clears that bar and still cannot change the growth tone, the stock is telling you exactly what it cares about.
metric
organic loan growth
This is the center of gravity. A 10% stock drop on a profitable bank tells you investors want a healthier lending trend, not another quarter of decent optics.
risk
any $2B–$7B asset acquisition
A deal can change the growth story fast. It can also import new credit and integration risk fast. The purchase price matters more than the headline.
trend
the pace of the $100M buyback
Repurchases show whether management thinks $59.64 is cheap. They also show whether capital is coming back to you because internal growth options are thin.
Analyst rankings
earnings predictability
60 / 100
Earnings are readable, but not effortless. in human-speak, analysts see a decent bank, not a bank you can stop monitoring.
risk rank
3
This sits around the middle on risk. You are not hiding here, but you are not stepping into chaos either.
source: institutional data
Institutional activity
institutional ownership data for FBK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$60
current price
n/a
target midpoint · n/a from current
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