FB Financial Corp (FBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of FB Financial Corp stock $31.58, price $54.17, that is 41.7% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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FB Financial Corp
FBK · USOur calculation puts a fair price 42% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $23.60 – $62.08 · fair‑value band $27.14 – $34.15 · the $54.17 price screens above the $31.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services. The company operates in two segments, Banking and Mortgage.
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It offers interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies.
The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit.
In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking. It operates through various full-service branch locations, as well as online or mobile banking.
The company serves retail and wealth consumers, small businesses, and corporate clients and owners. 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.
Stock analysis
FB Financial Corp (FBK) currently trades at $54.17, while our model-based Fair Value estimate is $31.58, 42% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $36.18 per share, and 0 of the 6 models we run sit above the $54.17 price.
Bear case: the Dividend Discount group reads lowest at $12.21, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $27.14 (bear) to $34.15 (bull), the price of $54.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FB Financial Corp reported revenue of $878M in FY2025 versus $613M in FY2021, a compound +9.4%/yr. Reported net income was $123M in FY2025, compounding −10.4%/yr from FY2021.
Key figures
Market cap $2.8B Mid · P/E ratio 11.9 · P/S ratio 4.09 · EPS (TTM) $4.54 · Dividend yield 1.5% · Net margin 34.1% · Return on equity 11.9% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −42%, FBK screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $1.5M, on Oct 20, 2026. Over the same period, one person sold shares worth $413,210.
- BuyOrrin H Ingram IIDirector29,081 shares at $52.88$1.5MOct 20, 2026
- SaleLynn J JoyceChief Accounting Officer7,000 shares at $59.03$413,210Jul 15, 2026
- SaleJames Austin McPherson10% owner8,500 shares at $60.06$510,510Jan 15, 2026
- SaleAgenia ClarkDirector1,210 shares at $59.18$71,608Dec 11, 2025
Plus 24 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FBK screens overvalued: fair value 42% below the price. Compare with China Merchants Bank Co →
Earlier news
- FB Financial Corporation Declares Regular Quarterly Dividend
- The 5 Most Interesting Analyst Questions From PNC Financial Services Group’s Q3 Earnings Call
Compare FB Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FBK |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FBK |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FBK |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FBK |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FBK |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FBK |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs FBK |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FBK |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FBK |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FBK |
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Frequently asked questions
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Key figures of FB Financial Corp
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