FB Financial (FBK)
Market Price (12/29/2025): $56.82 | Market Cap: $3.0 BilSector: Financials | Industry: Regional Banks
FB Financial (FBK)
Market Price (12/29/2025): $56.82Market Cap: $3.0 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -47% | Trading close to highsDist 52W High is -3.8%, Dist 3Y High is -3.8% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 26x |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21% | Weak multi-year price returns3Y Excs Rtn is -16% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.0% |
| Low stock price volatilityVol 12M is 30% | Key risksFBK key risks include [1] challenges in integrating its recent merger with Southern States Bancshares and [2] credit quality deterioration from its higher portfolio exposure to construction, Show more. | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -47% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21% |
| Low stock price volatilityVol 12M is 30% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Trading close to highsDist 52W High is -3.8%, Dist 3Y High is -3.8% |
| Weak multi-year price returns3Y Excs Rtn is -16% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 26x |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.0% |
| Key risksFBK key risks include [1] challenges in integrating its recent merger with Southern States Bancshares and [2] credit quality deterioration from its higher portfolio exposure to construction, Show more. |
Why The Stock Moved
Qualitative Assessment
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I cannot provide a definitive explanation for a specific 6.2% stock movement for FB Financial (FBK) between August 31, 2025, and December 29, 2025, as this period is in the future. Financial market data and specific company news for future dates are not available.
However, based on general banking industry trends and available past financial information for FB Financial, here are five potential key factors that could influence a regional bank's stock movement:
1. Interest Rate Environment and Net Interest Margin (NIM): Changes in interest rates significantly impact bank profitability. A favorable interest rate environment, such as a steepening yield curve or well-managed interest rate cuts, can improve a bank's net interest margin (NIM), which is the difference between the interest income generated and the amount of interest paid out to depositors. FB Financial's net interest income increased in Q2 and Q3 2024, though NIM slightly decreased in Q3 2024. Broader market expectations for interest rate cuts in 2025 could be seen as bullish for regional bank stocks, as lower borrowing costs may stimulate loan activity and improve long-term profitability, even if short-term margins face compression.
2. Loan Growth and Deposit Trends: The ability of a bank to grow its loan portfolio and maintain stable, cost-effective deposits is crucial for its performance. FB Financial reported an increase in loans held for investment and total deposits in Q3 2024. Sustained growth in these areas, particularly in key consumer and real estate loan segments, along with the ability to attract and retain deposits, can positively influence investor sentiment.
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However, based on general banking industry trends and available past financial information for FB Financial, here are five potential key factors that could influence a regional bank's stock movement:
1. Interest Rate Environment and Net Interest Margin (NIM): Changes in interest rates significantly impact bank profitability. A favorable interest rate environment, such as a steepening yield curve or well-managed interest rate cuts, can improve a bank's net interest margin (NIM), which is the difference between the interest income generated and the amount of interest paid out to depositors. FB Financial's net interest income increased in Q2 and Q3 2024, though NIM slightly decreased in Q3 2024. Broader market expectations for interest rate cuts in 2025 could be seen as bullish for regional bank stocks, as lower borrowing costs may stimulate loan activity and improve long-term profitability, even if short-term margins face compression.
2. Loan Growth and Deposit Trends: The ability of a bank to grow its loan portfolio and maintain stable, cost-effective deposits is crucial for its performance. FB Financial reported an increase in loans held for investment and total deposits in Q3 2024. Sustained growth in these areas, particularly in key consumer and real estate loan segments, along with the ability to attract and retain deposits, can positively influence investor sentiment.
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Stock Movement Drivers
Fundamental Drivers
The 1.8% change in FBK stock from 9/28/2025 to 12/28/2025 was primarily driven by a 19.6% change in the company's Total Revenues ($ Mil).| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 55.81 | 56.81 | 1.80% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 430.23 | 514.58 | 19.61% |
| Net Income Margin (%) | 21.01% | 20.12% | -4.22% |
| P/E Multiple | 28.37 | 29.43 | 3.72% |
| Shares Outstanding (Mil) | 45.95 | 53.63 | -16.72% |
| Cumulative Contribution | -1.05% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FBK | 1.8% | |
| Market (SPY) | 4.3% | 39.7% |
| Sector (XLF) | 3.3% | 72.6% |
Fundamental Drivers
The 26.1% change in FBK stock from 6/29/2025 to 12/28/2025 was primarily driven by a 78.3% change in the company's P/E Multiple.| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 45.06 | 56.81 | 26.07% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 481.59 | 514.58 | 6.85% |
| Net Income Margin (%) | 26.46% | 20.12% | -23.97% |
| P/E Multiple | 16.50 | 29.43 | 78.31% |
| Shares Outstanding (Mil) | 46.67 | 53.63 | -14.90% |
| Cumulative Contribution | 23.27% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FBK | 26.1% | |
| Market (SPY) | 12.6% | 43.4% |
| Sector (XLF) | 7.4% | 66.6% |
Fundamental Drivers
The 11.6% change in FBK stock from 12/28/2024 to 12/28/2025 was primarily driven by a 33.2% change in the company's P/E Multiple.| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 50.91 | 56.81 | 11.59% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 441.08 | 514.58 | 16.66% |
| Net Income Margin (%) | 24.38% | 20.12% | -17.46% |
| P/E Multiple | 22.09 | 29.43 | 33.22% |
| Shares Outstanding (Mil) | 46.65 | 53.63 | -14.96% |
| Cumulative Contribution | 9.09% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FBK | 11.6% | |
| Market (SPY) | 17.0% | 62.8% |
| Sector (XLF) | 15.3% | 72.2% |
Fundamental Drivers
The 63.7% change in FBK stock from 12/29/2022 to 12/28/2025 was primarily driven by a 144.5% change in the company's P/E Multiple.| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 34.70 | 56.81 | 63.72% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 541.91 | 514.58 | -5.04% |
| Net Income Margin (%) | 24.96% | 20.12% | -19.38% |
| P/E Multiple | 12.04 | 29.43 | 144.49% |
| Shares Outstanding (Mil) | 46.91 | 53.63 | -14.32% |
| Cumulative Contribution | 60.36% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FBK | 47.2% | |
| Market (SPY) | 48.4% | 54.3% |
| Sector (XLF) | 51.8% | 70.2% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FBK Return | -11% | 28% | -17% | 12% | 31% | 12% | 57% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| FBK Win Rate | 67% | 67% | 50% | 58% | 58% | 67% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| FBK Max Drawdown | -61% | -1% | -20% | -31% | -13% | -22% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | FBK | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -49.3% | -25.4% |
| % Gain to Breakeven | 97.3% | 34.1% |
| Time to Breakeven | 499 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -61.4% | -33.9% |
| % Gain to Breakeven | 159.1% | 51.3% |
| Time to Breakeven | 338 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.5% | -19.8% |
| % Gain to Breakeven | 46.0% | 24.7% |
| Time to Breakeven | 712 days | 120 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
FB Financial's stock fell -49.3% during the 2022 Inflation Shock from a high on 3/12/2021. A -49.3% loss requires a 97.3% gain to breakeven.
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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.
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- A regional Bank of America, focused on the Southeast US.
- U.S. Bancorp for the Southeast, but on a smaller, regional scale.
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- Deposits: Attracting and holding customer funds in various accounts such as checking, savings, money market, and certificates of deposit.
- Lending (Commercial & Consumer): Providing loans to businesses for operating capital, equipment, and real estate, as well as personal loans and lines of credit to individuals.
- Mortgage Lending: Originating and servicing residential mortgage loans for individuals to purchase or refinance homes.
- Wealth Management: Offering financial planning, investment advisory, and trust services to individuals and businesses.
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FB Financial (symbol: FBK) - Major Customers
FB Financial (FBK) operates as a regional bank holding company. Its customer base is diverse, serving both individuals and businesses within its operating footprint primarily across the Southeastern United States. Given the nature of banking, its "major customers" are best described by categories rather than specific named companies. FB Financial primarily serves the following categories of customers:- Individual Consumers: This category includes individuals and families who utilize the bank for personal banking services such as checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), mortgages, home equity lines of credit, and various types of personal loans.
- Small to Medium-sized Businesses (SMBs): FB Financial provides a range of commercial banking services to local and regional businesses. These services include commercial loans, lines of credit, treasury management services, business checking and savings accounts, and equipment financing. This segment encompasses a broad array of industries.
- Commercial Real Estate (CRE) Investors and Developers: The bank serves businesses and individuals involved in the acquisition, development, and management of commercial properties. This includes financing for various commercial real estate projects such as office buildings, retail centers, multi-family residences, and industrial properties.
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- Fiserv, Inc. (FISV)
- Visa Inc. (V)
- Mastercard Incorporated (MA)
- Equifax Inc. (EFX)
- TransUnion (TRU)
- Experian plc (EXPN)
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Christopher T. Holmes, President and Chief Executive Officer
Christopher T. Holmes was named President of FirstBank in 2012 and CEO in 2013. He led FirstBank's initial public offering (IPO) in 2016, which was the largest IPO in Tennessee banking history. Holmes has also spearheaded several acquisitions, including Northwest Georgia Bank, Clayton Bank and Trust, and American City Bank, and the purchase of 14 retail locations from Atlantic Capital Bank. Most recently, he led a merger agreement with Franklin Synergy Bank, which made FirstBank the third-largest bank headquartered in Tennessee. Before joining FirstBank in 2010 as Chief Banking Officer, Holmes served as the Director of Corporate Financial Services and Chief Retail Banking Officer for South Financial Group. His 20 years of prior experience in Memphis included roles with EY, National Bank of Commerce (which was acquired by SunTrust), and Trustmark National Bank.
Michael M. Mettee, Chief Operating Officer and Chief Financial Officer
Michael M. Mettee assumed the dual role of Chief Operating Officer and Chief Financial Officer effective October 1, 2025. He has served as FB Financial's Chief Financial Officer since 2020. In his expanded capacity, Mettee oversees key operational areas for FirstBank, including Metro and Community markets, Commercial, Retail, Wealth, Credit, and Customer Experience, while continuing his CFO responsibilities. He joined FirstBank in 2012 as Director of Capital Markets and was previously Chief Financial Officer of Banking. Prior to FirstBank, Mettee managed budget and forecasting for the retail banking operation of BBVA Compass and spent a decade in secondary marketing at BBVA Compass, Regions/AmSouth, and Wachovia/SouthTrust.
Scott J. Tansil, Chief Business and Operations Officer
Scott J. Tansil transitioned to the role of Chief Business and Operations Officer effective October 1, 2025. In this role, Tansil continues to oversee bank operations, the Mortgage Division, and the Manufactured Housing Division, in addition to establishing a new procurement function. He joined FB Financial in 2023. Prior to joining FirstBank, Tansil served as the Head of Mortgage, Executive Vice President of Correspondent Lending and Capital Markets at Citizens Bank. He also held positions as Chief Financial Officer and Chief Operating Officer at Franklin American Mortgage Company, where he was instrumental in its growth.
Travis K. Edmondson, Chief Credit Officer
Travis K. Edmondson transitioned from Chief Banking Officer to Chief Credit Officer, effective October 1, 2025. He joined FirstBank in 2017 following FirstBank's acquisition of Clayton Bank and Trust, where he had served as Chief Executive Officer since 2013. Prior to becoming CEO, Edmondson began his career at Clayton Bank and Trust in 2006. He previously served as the East Tennessee Regional President of FirstBank from 2018 to 2020.
Robert Wade Peery, Chief Innovations Officer and Senior Vice President
Wade Peery joined FirstBank in 2012 and serves as the company's Chief Innovations Officer. With over 30 years of banking experience, he provides thought leadership and shapes new ideas for the company and the industry. Peery previously served as the bank's Chief Administrative Officer. He is recognized as one of Tennessee's leading financial services innovators and has shared his expertise on digital assets through various platforms and conferences. Peery is on the Board of Directors for the USDF Consortium and Zippy Loans, and serves on multiple Jack Henry and Associates Advisory Boards.
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The key risks to FB Financial (FBK) primarily revolve around the successful integration of its recent merger, managing credit quality in its loan portfolio, and navigating interest rate fluctuations.
- Integration Risks from Mergers: FB Financial completed a significant merger with Southern States Bancshares, Inc. in mid-2025, expanding its operations. The successful integration of systems and corporate cultures is crucial for realizing the anticipated benefits and avoiding disruptions to existing operations. Missteps in this integration process could undermine projected revenue and margin growth.
- Credit Quality and Loan Portfolio Risk: While FB Financial has generally maintained stable credit quality, there remains a risk of increasing net charge-offs and nonperforming loans (NPLs), particularly in a slowing economic environment. The company also has a comparatively higher exposure to what are considered riskier lending areas, such as construction and development (C&D) and manufactured housing. Deterioration in credit quality within these or other commercial portfolios could negatively impact financial performance.
- Interest Rate Risk: As a financial institution, FB Financial is inherently exposed to fluctuations in interest rates. Managing its net interest margin (NIM), which is the difference between interest earned on assets and interest paid on liabilities, is a continuous challenge, especially in a volatile interest rate environment. Adverse movements in interest rates can significantly impact the company's earnings and capital base.
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One clear emerging threat is the rapid growth and increasing market share of neobanks and challenger banks. These digital-first financial institutions offer highly competitive interest rates, lower fees, and superior digital user experiences, directly challenging traditional banks like FB Financial for deposits and retail customers, especially among younger, digitally native demographics.
Another clear emerging threat is the continued and expanding entry of Big Tech companies (e.g., Apple, Google, Amazon) into financial services. Leveraging vast customer bases, data analytics capabilities, and strong brand loyalty, these companies are increasingly offering payment solutions, lending products, and other financial tools that bypass traditional banking relationships, potentially disintermediating regional banks from key customer interactions and revenue streams.
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FB Financial (symbol: FBK) primarily operates in two main segments: Banking and Mortgage. The addressable markets for these services in the United States are as follows:
- Community Banking: The U.S. community banking market was valued at approximately $6.35 billion in 2024, with a projected compound annual growth rate (CAGR) of 3.8%.
- Mortgage Lending: The U.S. home loan market reached approximately $2.29 trillion in 2025 and is forecasted to grow to $3.02 trillion by 2030, advancing at a CAGR of 5.63%.
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FB Financial (NYSE: FBK) is anticipated to drive future revenue growth over the next two to three years through a combination of strategic acquisitions, organic expansion of its loan and deposit base, and an improving net interest margin. Here are the key drivers:- Strategic Acquisitions and Market Expansion: FB Financial has demonstrated a clear strategy of growth through mergers and acquisitions. The recently completed merger with Southern States Bancshares, Inc., which closed on July 1, 2025, is expected to be a significant driver of increased net interest income and overall growth, expanding the company's presence in high-value contiguous markets. This follows previous acquisitions that have increased deposit market share in key regions like Nashville.
- Growth in Loans and Deposits: The company consistently reports a focus on and achievement of loan and deposit growth. Management has expressed optimism for "low double-digit loan and deposit growth in 2025." In the third quarter of 2024, loans held for investment increased by a 7.20% annualized rate, and deposits grew significantly. This trend continued into the first quarter of 2025, with loans held for investment increasing by 7.14% annualized. These increases directly contribute to net interest income, the primary component of the company's revenue.
- Net Interest Margin (NIM) Improvement: FB Financial's net interest margin has shown resilience and potential for improvement. While there have been minor fluctuations, the company's strategic actions, such as securities sales and reinvestment, have aimed to enhance its margin. Management anticipates benefits from expected future interest rate decreases, which could positively impact NIM. Furthermore, the Southern States merger is expected to benefit NIM due to Southern States' historically higher pre-merger margin.
- Organic Growth: Alongside strategic expansions, FB Financial emphasizes organic growth within its existing footprint across Tennessee, Kentucky, Alabama, and North Georgia. This organic expansion is reflected in the consistent growth of its loan and customer deposit base, contributing to overall revenue generation.
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Share Repurchases
- FB Financial Corporation authorized a new $150 million common stock repurchase program on September 15, 2025, effective until January 31, 2027. This authorization replaced a previous program set to expire on January 31, 2026.
- The company completed the repurchase of 1,373,670 shares for $56.84 million under a buyback program announced in March 2024.
Share Issuance
- On July 1, 2025, as part of the merger with Southern States Bancshares, Inc., Southern States' shareholders received 0.800 shares of FB Financial common stock for each of their shares.
- The implied transaction value of the Southern States merger, which involved issuing FB Financial common stock, was approximately $368.4 million based on FB Financial's closing stock price of $45.30 per share as of June 30, 2025, and $381 million based on a $47.05 stock price as of March 28, 2025.
- A routine issuance of 278 shares occurred on October 31, 2025, to a director as non-cash compensation under the Non-Employee Director Compensation Policy.
Outbound Investments
- FB Financial Corporation completed its merger with Southern States Bancshares, Inc. on July 1, 2025, acquiring a company with approximately $2.9 billion in total assets as of March 31, 2025.
- Southern States Bancshares, Inc. had $2.3 billion in loans and $2.4 billion in deposits as of March 31, 2025, at the time of the merger.
- The implied total transaction value for the acquisition of Southern States Bancshares, Inc. was between $368.4 million and $381 million.
Capital Expenditures
- FB Financial's capital expenditures from fiscal years ending December 2020 to 2024 averaged $9.888 million.
- Capital expenditures peaked at $20.229 million in December 2023.
- Annual capital expenditures were $5.934 million in 2020, $6.102 million in 2021, $10.629 million in 2022, and $6.546 million in 2024.
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Trade Ideas
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| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
| 12312024 | FBK | FB Financial | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | -8.6% | 12.0% | -22.2% |
Research & Analysis
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Peer Comparisons for FB Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 67.48 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 2.2% |
| Rev Chg Q | 9.4% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 21.7% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 19.6% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
Price Behavior
| Market Price | $56.81 | |
| Market Cap ($ Bil) | 3.0 | |
| First Trading Date | 09/16/2016 | |
| Distance from 52W High | -3.8% | |
| 50 Days | 200 Days | |
| DMA Price | $55.42 | $49.56 |
| DMA Trend | up | up |
| Distance from DMA | 2.5% | 14.6% |
| 3M | 1YR | |
| Volatility | 30.3% | 30.6% |
| Downside Capture | 78.03 | 107.71 |
| Upside Capture | 70.68 | 101.84 |
| Correlation (SPY) | 40.1% | 62.8% |
FBK Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.86 | 1.02 | 0.96 | 1.21 | 1.02 | 1.18 |
| Up Beta | 0.82 | 1.03 | 1.18 | 1.49 | 0.82 | 1.12 |
| Down Beta | 0.44 | 1.57 | 1.48 | 1.41 | 1.15 | 1.07 |
| Up Capture | 117% | 76% | 69% | 123% | 106% | 181% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 11 | 25 | 37 | 73 | 128 | 367 |
| Down Capture | 80% | 84% | 67% | 88% | 111% | 106% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 8 | 16 | 25 | 52 | 120 | 381 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of FBK With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| FBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.0% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 30.4% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.39 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 72.2% | 62.9% | -5.4% | 21.3% | 57.7% | 31.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of FBK With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| FBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.0% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 33.5% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.41 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 66.5% | 50.6% | -0.4% | 12.2% | 48.0% | 23.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of FBK With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| FBK | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.7% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 36.5% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.44 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 67.0% | 52.2% | -4.1% | 20.6% | 49.6% | 17.4% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/14/2025 | 4.1% | -5.2% | -1.2% |
| 7/14/2025 | -4.6% | -1.4% | -0.1% |
| 4/14/2025 | -2.0% | 0.1% | 11.5% |
| 1/21/2025 | 2.2% | 1.4% | -0.9% |
| 10/15/2024 | 0.4% | 0.4% | 20.1% |
| 7/15/2024 | 8.0% | 8.5% | 0.7% |
| 4/15/2024 | 4.4% | 8.7% | 11.9% |
| 1/16/2024 | -3.9% | 0.4% | -7.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 14 | 15 |
| # Negative | 11 | 10 | 9 |
| Median Positive | 3.0% | 3.7% | 12.4% |
| Median Negative | -2.8% | -2.9% | -3.1% |
| Max Positive | 12.6% | 11.3% | 21.4% |
| Max Negative | -6.4% | -11.9% | -15.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11072025 | 10-Q 9/30/2025 |
| 6302025 | 8042025 | 10-Q 6/30/2025 |
| 3312025 | 5052025 | 10-Q 3/31/2025 |
| 12312024 | 2252025 | 10-K 12/31/2024 |
| 9302024 | 11042024 | 10-Q 9/30/2024 |
| 6302024 | 8052024 | 10-Q 6/30/2024 |
| 3312024 | 5062024 | 10-Q 3/31/2024 |
| 12312023 | 2272024 | 10-K 12/31/2023 |
| 9302023 | 11032023 | 10-Q 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 5082023 | 10-Q 3/31/2023 |
| 12312022 | 2282023 | 10-K 12/31/2022 |
| 9302022 | 11072022 | 10-Q 9/30/2022 |
| 6302022 | 8082022 | 10-Q 6/30/2022 |
| 3312022 | 5102022 | 10-Q 3/31/2022 |
| 12312021 | 2252022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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