FB Financial Corp. (FBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-09
$54.69-2.32%
Close 2026-09-09 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-09
Broken: Primary pillar broken — Earnings per share growth to at least $2.45 by end of 2026: FY26 EPS guidance $1.13 vs $2.45 target.
FB Financial keeps raising its dividend to $0.21 per share. It has a strong buyback plan for $175 million. Earnings per share are expected to grow to $2.45 by the end of 2026. The bank shows stable profit margins with a price-to-earnings ratio near 13.5.
Revenue is falling, down from $235.2 million to $225.4 million recently. Analysts expect revenue to shrink about 9% next year. The stock trades 16% above our valuation model, which is below the Street's median. This suggests growth may be weaker than priced.
The market prices in about 9% revenue decline next year and expects earnings growth near 5% over three years. The stock trades 16% above our valuation model but below the Street median, indicating some optimism. Our view is more cautious on revenue trends.
Breaks if: Dividend per share falls below $0.21
Breaks if: EPS falls below $2.45 by end of 2026
Breaks if: Revenue falls below $225 million quarterly
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
FBK represents a durable compounder in the financial sector. The current thesis state is stable, with recent performance showing resilience despite some execution fragility.
The market appears to have priced in an expensive valuation relative to peers, with a notable expectations gap. However, the current fragility is not fully reflected, suggesting some potential mispricing.
Management has shown strong execution in organic loan and deposit growth, and share repurchases are actively being conducted. However, operating efficiency improvements are mixed, and there is a moderate risk of missing future guidance.
The thesis hinges on the performance of sector bellwethers like HDB, IBN, and PNC. If these companies continue to perform well, FBK may benefit from sector momentum, but any negative guidance from them could impact FBK adversely.
The most important moves since the prior daily snapshot.
Our read on the company is unchanged since the prior snapshot.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Breaks if: Buyback plan is reduced or canceled
The company has renewed its stock repurchase plan, authorizing up to $175 million in buybacks.
Overall, FBK's fundamentals and management execution are solid, but the expensive valuation and potential sector risks warrant careful observation. Not investment advice.