US · FBK
FB Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Nashville, TN 37201
- Website
- firstbankonline.com
Price · as of 2025-12-31
$54.17
Market cap 2.92B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $51.99 | -4.02% |
| Intrinsic Value(DCF) | $74.07 | +36.74% |
| Graham-Dodd Method(GD) | $41.66 | -23.1% |
| Graham Formula(GF) | $50.61 | -6.58% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $4.52 | $32.08 | |||
| 2014 | $6.29 | $36.72 | |||
| 2015 | $2.04 | $80.73 | |||
| 2016 | $28.42 | $41.31 | $1,198.13 | $0.00 | $93.80 |
| 2017 | $37.91 | $66.91 | $93.89 | $26.12 | $46.99 |
| 2018 | $30.47 | $54.75 | $56.26 | $27.51 | $68.80 |
| 2019 | $26.57 | $67.05 | $24.88 | $27.91 | $55.32 |
| 2020 | $45.55 | $126.68 | $190.68 | $30.68 | $90.74 |
| 2021 | $41.87 | $50.51 | $66.31 | $38.55 | $30.32 |
| 2022 | $31.19 | $31.71 | $44.46 | $28.40 | $14.41 |
| 2023 | $35.54 | $42.13 | $31.09 | $29.77 | $83.82 |
| 2024 | $46.18 | $35.77 | $32.96 | $30.62 | $25.93 |
| 2025 | $54.82 | $51.99 | $29.66 | $41.66 | $50.61 |
AI valuation
Our deep-learning model estimates FB Financial Corporation's (FBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $51.99
- Current price
- $54.17
- AI upside
- -4.02%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$74.07
+36.74% upside
Graham-Dodd
$41.66
-23.1% upside
Graham Formula
$50.61
-6.58% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FBK | FB Financial Corporation | $54.17 | 2.92B | -4% | +37% | -23% | -7% | 23.72 | 1.49 | 3.31 | 4.17 | — | 1.86 | 58.86% | 15.78% | 13.97% | 6.98% | -93.31% | 0.83% | 0.17 | 0.44 | 36.81 | 36.81 | -5.45 | -323.00% | 1448.00% | 1785.00% | 5.36% | 2.19 | -118.59% | 0.00% | 0.00% | 5.22% | 4.53 | 4.03 | 0.72 | 0.46 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| CBU | Community Bank System, In… | $60.55 | 3.19B | -56% | -32% | -53% | -57% | 16.24 | 1.70 | 3.68 | 12.95 | 103.47 | 3.21 | 73.43% | 31.40% | 22.66% | 11.17% | 9.01% | 1.25% | 0.34 | 1.51 | 0.08 | 0.00 | 2.17 | 1570.00% | -128.00% | 3623.00% | 8.83% | 0.08 | 12.20% | 2.85% | 46.40% | 6.60% | 14.09 | 13.61 | 4.42 | -0.01 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| RNST | Renasant Corporation | $37.65 | 3.58B | -32% | +73% | -17% | +88% | 10.27 | 0.75 | 1.93 | 2.25 | 38.39 | 1.25 | 62.92% | 23.60% | 18.83% | 7.86% | 15.01% | 1.10% | 0.20 | 0.65 | 0.14 | 0.14 | -2.00 | 2674.00% | 1410.00% | -878.00% | 5.77% | 0.01 | 8.89% | 2.68% | 27.50% | 27.04% | 2.54 | 5.38 | 0.60 | -0.58 |
| SBCF | Seacoast Banking Corporat… | $31.12 | 3.04B | +47% | +5% | -0% | -20% | 19.51 | 0.92 | 3.25 | -6.34 | 173.15 | 1.55 | 61.57% | 21.45% | 16.66% | 5.53% | -33.73% | 0.80% | 0.44 | 0.66 | 0.40 | 0.40 | 6.19 | 1127.00% | 749.00% | 7584.00% | 10.94% | 0.02 | -71.99% | 0.00% | 0.00% | 0.00% | -6.34 | -3.82 | -1.36 | -0.26 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
About FB Financial Corporation
FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services to businesses, professionals, and individuals. The company operates in two segments, Banking and Mortgage. It offers checking, demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits and certificates of deposits, as well as engages in the mortgage origination business. The company also provides owner-occupied and non-owner-occupied real estate commercial, residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition, residential lines of credit, and land development loans; and consumer and other loans, such as car, boat, and other recreational vehicle loans, as well as manufactured homes without real estate and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch networks in the southeastern United States; an internet delivery channel; and trust, insurance, and investment services, as well as online and mobile banking services. As of December 31, 2021, it operated 82 full-service bank branches and 9 limited-service branches locations throughout Tennessee, North Alabama, Southern Kentucky, and North Georgia; and 23 mortgage offices throughout the southeastern United States. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.
- CEO
- Christopher T. Holmes
- Employees
- 1.49K
- Beta
- 0.98
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($74.07 ÷ $54.17) − 1 = +36.74% (DCF, example).