FB Financial Corporation

FBK

Banks - Regional · Financial Services

Price

$59.96

-0.46 (-0.76%)

Market Cap

$3.09B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+10.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 48.0M (2021) → 53.1M (2025)

FB Financial Corporation is a regional bank holding company based in Franklin, Tennessee. It operates through its main subsidiary, FirstBank, which offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and businesses across the southeastern United States. FirstBank is one of the larger privately-held-turned-public community banks in Tennessee.

The company makes money primarily through interest income on loans and mortgages, plus fees from banking services and its mortgage banking segment, which originates and sells home loans. FB Financial operates mainly in Tennessee, with branches extending into neighboring states like Georgia, Colorado, and North Carolina, giving it a regional but growing footprint. Its community banking roots and local relationships provide some competitive advantage over national banks, but rising interest rates and credit quality deterioration in its loan portfolio remain key risks to watch as the broader lending environment stays uncertain.

Winston Score History

Politician Trades

2 trades / 12mo

2 Congressional buys and 0 sells on FBK in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+24.2% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+32.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

16.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$160M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

FB Financial Corporation is a rare growth stock that's already generating positive cash flow while growing at 24%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

67.3%

Premium pricing power — 67.3% gross margin

Operating Margin

29.5%

Excellent — 29.5% operating margin

ROCE

3.4%

Weak — 3.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+18.0%

Fast-growing sales (18.0% YoY)

EPS YoY

-1.3%

Earnings shrinking (-1.3% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

144%

Turns 144% of profit into real cash

FCF Margin

20.4%

Converts sales into free cash efficiently (20.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.11

Conservative — low debt load (0.11)

Interest Cover

0.50x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

22.3x

Growth-priced — P/E 22.3

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+10.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (22.3 → 11.9)

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Dividends

Dividend Yield

1.43%

Small dividend — 1.43% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+11.1%

Dividend growing fast (11.1% YoY)

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