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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›FBK

FBK

FB Financial Corp

Next earnings Jul 13, 2026 · consensus $1.17 EPS, $180M rev

Last earnings +2.0% on 2026-04-13

Sell
$55.89
▲ +0.72%
$55.89▲ +27.60%
over 1Y
L $43.80EODHDH $61.16
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.7%
1W+3.8%
1M+5.6%
3M+9.6%
YTD+0.3%
1Y+27.6%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Sell
Quality
B-
Valuation
Overvalued
Filings
Watch
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 11 analysts
Buy

Mixed signals in the latest filings.

Return on equity 6.3% · latest

The read

Weak on both the fundamentals and the price — little to like at the current level.

FB Financial Corp shows limited reported revenue, and 6.3% ROE.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue—————
Gross profit—————
Operating income—————
Net income$190M$125M$120M$116M$123M
Diluted EPS$3.97$2.64$2.57$2.48$2.45
Net margin—————

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF19.7
PEG (trailing)4.02
Earnings yield4.2%
FCF yield5.1%

Quality & risk

ROIC (est.)—
Free cash flow$147M
Total debt$213M
Net cash$943M
Piotroski F-Score4/6

Capital returns

Buyback yield5.4%
Dividend yield (est.)1.3%
Shareholder yield6.7%
Shares Δ YoY+10.9%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Shareholder vote2026-05-22
  2. 8-K Reg FD disclosure2026-05-13
  3. 10-Q Quarterly report2026-05-04
  4. 8-K Reg FD disclosure2026-04-27
  5. 8-K Earnings results2026-04-13
  6. DEF 14A Proxy statement2026-04-06
  7. 10-K Annual report2026-02-26
  8. 8-K Reg FD disclosure2026-02-11
  9. 8-K Officer / director change2026-02-03

Recent filings

all on EDGAR ↗
11-KPeriod ending 2025-12-312026-06-22open ↗S-8Filing2026-06-01open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-04-132026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-27open ↗

Quality score

B-
ValueGrowthProfitHealthMom.
ValueB-
GrowthC+
ProfitabilityC
Financial healthA-
Momentum—
  • ✓Profitable (positive net income)
  • ✗Return on equity above 15%
  • ✓P/E below 25

Fair value est.

$37.52

Overvalued -33% vs price

cheapfair valueexpensive

Modified Graham: EPS $2.45 × (8.5 + 1.5 × 5.7% growth) × 0.90 quality = 15.3× multiple. An estimate, not a price target.

Revenue
—
Net margin
—
ROE
6.3%
P/E
22.8

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Net income$123M+5.7%
Diluted EPS$2.45-1.2%
Cash & equivalents$1.16B+10.9%
Total assets$16.3B+23.9%
Total liabilities$14.4B+23.8%
Stockholders' equity$1.95B+24.3%
L/E: 7.37x

Frequently asked

Is FB Financial Corp (FBK) a buy?
FBK currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
What is FBK's fair value?
A Modified-Graham model based on FBK's SEC fundamentals estimates a fair value of about $37.52. It is an estimate from reported earnings, not a price target.
Is FBK overvalued or undervalued?
Against a Modified-Graham fair-value estimate, FBK currently appears overvalued relative to its SEC-grounded earnings power.
What is FB Financial Corp's quality score?
FBK scores 65.11764705882352/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001649749, latest 10-Q filed 2026-05-04) · EODHD · as of 6/26/2026, 7:17:38 PM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC
2026-05-22
JOHNSON R MILTON
Director
Award1.33K
2026-05-22
CARPENTER WILLIAM F III
Director
Award1.33K
2026-05-22
Jubran Raja J.
Director
Award1.33K
2026-05-22
CROSS JAMES W IV
Director
Award1.33K
2026-05-22
Exum James L.
Director
Award1.33K
2026-05-22
Pinson Charles Wright
Director
Award1.33K
2026-05-22
Reynolds Emily J.
Director
Award1.33K
2026-04-13
Holmes Christopher T
President and CEO
Gift38.6K
2026-04-13
Holmes Christopher T
President and CEO
Gift38.6K

Dividends

Quarterly
Yield (TTM)
1.4%
Annual / share
$0.80
Last ex-date
2026-05-12
Last amount
$0.21
ex 2026-05-12paid 2026-05-26$0.21
ex 2026-02-10paid 2026-02-24$0.21
ex 2025-11-11paid 2025-11-25$0.19
ex 2025-08-12paid 2025-08-26$0.19
ex 2025-05-13paid 2025-05-27$0.19
ex 2025-02-11paid 2025-02-25$0.19

Source: EODHD. Yield = trailing-12-month dividends ÷ price.

Earnings history

beat/miss · move
2026-04-13Miss -0.5% est▲ +1.99%8-K ↗
2026-01-21Beat +3.1% est▲ +5.30%8-K ↗
2025-10-14Beat +11.3% est▲ +4.07%8-K ↗
2025-07-14Miss -1.0% est▲ +2.05%8-K ↗
2025-04-14—▲ +1.45%8-K ↗
2025-01-21—▲ +2.21%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Congressional trades

all activity →

2 buys · 1 member · last 180d

+$16.0K net boughtlast trade 164d ago
$16.0K bought$0.00 sold
2026-02-13Gilbert CisnerosBuy$1.00K–$15.0KPTR ↗
2026-02-13Gilbert CisnerosBuy$1.00K–$15.0KPTR ↗

Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.

Recent news

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Vs tracked universe

compare →

1043 tracked peers · median

EDGAR Score65 vs 67
Revenue growth— vs 7.1%
Net margin— vs 10.5%
Return on equity6.3% vs 12.3%
P/E22.8 vs 25.5

News sentiment

EODHD · 28d
Bullish
+0.18
vs typical · 50 articles

Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.