Stocks · Financial Services · Banks - Regional
FB Financial Corporation FBK
$53.42 +2.55% Close, Oct 2, 2026 · NYSE · Market cap $2.75B
Strong growth
Next earnings report: Oct 13, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.74, up 93.5% year over year.
- Operating margin widened to 23.8% from 13.8% a year earlier.
- Revenue over the last four quarters was $1.03B, up 41.7% from a year earlier, accelerating from 18.0% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth97Exceptional
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 9%
- EPS growth (TTM, YoY)Top 13%
- FCF growth (TTM, YoY)Top 25%
- Revenue growth, 3-year CAGRBottom 46%
- Revenue growth accelerationTop 4%
Quality42Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 47%
- Gross marginBottom 44%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 42%
- Accruals (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 44%
- Interest coverBottom 40%
Value63Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 46%
- Free-cash-flow yieldBottom 45%
- EBITDA / enterprise valueTop 33%
- Sales / enterprise valueTop 43%
- P/E vs own 5-year history (lower is better)Top 44%
Momentum22Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 29%
- 6-month returnBottom 21%
- 1-year return vs S&P 500Bottom 28%
- Distance from 52-week highBottom 34%
- Trend checklist (0–4)Bottom 27%
Revisions48Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetTop 37%
Stability43Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Top 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 18.0% | 41.7% | ↑ |
| EPS growth (YoY) | -2.1% | 93.5% | ↑ |
| Gross margin | 56.6% | 62.9% | ↑ |
| Operating margin | 13.8% | 23.8% | ↑ |
| FCF margin | 16.4% | 19.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 41.7% | 18.0% | ↑ | Top 9% |
| EPS growth (TTM, YoY) | 93.5% | -2.1% | ↑ | Top 13% |
| Gross margin | 62.9% | 56.6% | ↑ | Bottom 44% |
| Operating margin | 23.8% | 13.8% | ↑ | Top 45% |
| Net margin | 19.0% | 12.4% | ↑ | — |
| Free-cash-flow margin | 19.2% | 16.4% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 47% | |
| Revenue growth, 3-year CAGR | 13.8% | — | Bottom 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.05×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -25.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.83×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.53%
- Net buyback yield (TTM)
- 7.88%
- Shareholder yield
- 9.40%
- Share count change, 1 year
- +11.9%
- Share count change, 3-year CAGR
- +3.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +3.3%
- Average 2-day reaction, last 8
- +2.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $64.00
- Target vs current price
- +19.8%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 13, 2026 | -0.9% | -0.2% | +5.8% | +7.3% | — |
| Apr 13, 2026 | +0.9% | +2.0% | -1.6% | -1.4% | +1.7% |
| Jan 21, 2026 | +1.8% | +5.3% | -2.3% | +0.1% | -9.0% |
| Oct 14, 2025 | +11.5% | +4.1% | -5.2% | -2.1% | +4.6% |
| Jul 14, 2025 | -1.1% | +2.1% | +1.2% | -2.2% | +22.9% |
| Apr 14, 2025 | +0.0% | +1.5% | -1.4% | +14.2% | +16.8% |
| Jan 21, 2025 | +1.2% | +2.2% | +1.4% | +0.0% | -23.0% |
| Oct 15, 2024 | +7.8% | +0.4% | +0.4% | +21.0% | +2.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 13, 2026 | $1.14 | $1.15 | -0.9% | $174.8M |
| Apr 13, 2026 | $1.12 | $1.11 | +0.9% | $172.3M |
| Jan 21, 2026 | $1.16 | $1.14 | +1.8% | $178.6M |
| Oct 14, 2025 | $1.07 | $0.96 | +11.5% | $173.9M |
| Jul 14, 2025 | $0.88 | $0.89 | -1.1% | $147.5M |
| Apr 14, 2025 | $0.85 | $0.85 | +0.0% | $130.7M |
| Jan 21, 2025 | $0.85 | $0.84 | +1.2% | $132.5M |
| Oct 15, 2024 | $0.86 | $0.80 | +7.8% | $169.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.3× | 14.8× | 48th | Top 46% |
| P/E (forward) | 11.4× | — | — | — |
| EV / EBITDA | 10.9× | — | — | Top 33% |
| EV / Sales | 2.88× | — | — | Top 43% |
| Free-cash-flow yield | 7.20% | — | — | Bottom 45% |
| Earnings yield | 7.00% | — | — | Top 46% |
P/E over the past five years
Range 9.4× – 25.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -4.6%
- Earnings per share growth (TTM)
- +93.5%
- Change in P/E multiple
- -34.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.5%
- 200-day average slope (20 days)
- -0.4%
- Distance from 50-day average
- -6.6%
- Distance from 200-day average
- -4.3%
- RSI (14)
- 42.3
- Relative volume
- 1.07×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.95
- Correlation with S&P 500
- 0.53
- Current drawdown from 1-year high
- -13.9%
- Maximum drawdown, 3 years
- -30.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | May 9, 2023 | -49.3% | 543 days | 343 days (Sep 19, 2024) |
| Nov 11, 2024 | Apr 8, 2025 | -30.8% | 100 days | 123 days (Oct 3, 2025) |
| Jan 21, 2026 | Mar 20, 2026 | -17.4% | 41 days | 93 days (Aug 4, 2026) |
| Aug 13, 2026 | Sep 30, 2026 | -16.7% | 33 days | Not yet recovered |
| Oct 6, 2025 | Oct 16, 2025 | -12.1% | 8 days | 62 days (Jan 15, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.75B
- P/E (TTM)
- 14.3
- EPS, diluted (TTM)
- $3.74
- Revenue (TTM)
- $1.03B
- Dividend yield
- 1.54%
- 52-week range
- $49.24 – $62.66
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $613.3M | $596.4M | $749.0M | $766.8M | $877.8M |
| Gross profit | $616.6M | $508.2M | $475.2M | $445.7M | $516.7M |
| Operating income | $243.1M | $159.6M | $150.3M | $146.7M | $138.5M |
| Net income | $190.3M | $124.6M | $120.2M | $116.0M | $122.6M |
| EPS (diluted) | $3.97 | $2.64 | $2.57 | $2.48 | $2.40 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $169.1M | $210.5M | $202.7M | $147.5M | $263.5M | $264.0M | $251.7M | $255.2M |
| Net income | $10.2M | $37.9M | $39.4M | $2.9M | $23.4M | $57.0M | $57.5M | $58.6M |
| EPS (diluted) | $0.22 | $0.81 | $0.84 | $0.06 | $0.43 | $1.07 | $1.10 | $1.14 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $54.9M | $799.7M | $211.1M | $138.8M | $155.9M |
| Capital expenditure | -$6.1M | -$10.6M | -$20.2M | -$6.5M | -$8.8M |
| Free cash flow | $48.8M | $789.1M | $190.8M | $132.3M | $147.0M |
| Dividends paid | -$20.9M | -$24.5M | -$28.1M | -$31.8M | -$37.9M |
| Net share buybacks | -$6.1M | -$38.8M | -$4.2M | -$11.8M | -$155.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $147.0M
- Total assets
- $16.80B
- Total liabilities
- $14.86B
- Total debt
- $372.5M
- Net debt
- $225.4M
- Shareholders’ equity
- $1.94B
As of Jun 30, 2026 (filed Aug 3, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 11, 2026 | $0.21 | Aug 25, 2026 |
| May 12, 2026 | $0.21 | May 26, 2026 |
| Feb 10, 2026 | $0.21 | Feb 24, 2026 |
| Nov 10, 2025 | $0.19 | Nov 25, 2025 |
| Aug 12, 2025 | $0.19 | Aug 26, 2025 |
| May 13, 2025 | $0.19 | May 27, 2025 |
| Feb 11, 2025 | $0.19 | Feb 25, 2025 |
| Nov 5, 2024 | $0.17 | Nov 19, 2024 |
Short interest
- Shares sold short
- 2,166,861
- Days to cover
- 4.98
- Change vs previous report
- +11.3%
FINRA short interest, settlement date Sep 15, 2026.