Is FB Financial (FBK) overvalued or fairly valued?

MarketChacha shows FB Financial's valuation in context — a trailing P/E of about 19.2, a forward P/E of about 10.2, a price-to-book of about 1.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does FB Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.41×) from reported figures — education, not a rating.

What is the share price of FB Financial (FBK)?

FB Financial last traded at $52.32 (+1.4% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

FB Financial

FBK · NYSE · Financials · United States

Snapshot

TickerFBK

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,594

HeadquartersNashville, United States

Websitewww.firstbankonline.com

Filings tracked23

About FB Financial

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. 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.

Who owns it

Insiders2.1%
Institutions84.4%
Public & other13.5%

391 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.12.60%
T. Rowe Price Investment Management, Inc.7.75%
State Street Corporation4.90%
Vanguard Capital Management LLC4.31%
Dimensional Fund Advisors LP4.07%
Westwood Holdings Group Inc.2.57%
Geode Capital Management, LLC2.18%
Wellington Management Group, LLP2.14%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Latest ROE of 6.3% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion1.41×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity6.3%

Latest ROE of 6.3% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $179.2M · EPS 1.18

Est. earnings growth +4.9%

Next fiscal year

Rev $748.1M · EPS 5.05

Est. earnings growth +8.3%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

6.3%

Profit CAGR (2y)

+1.0%

EPS (FY2025)

2.45

Net profit (FY2025)

$122.6M

Ask MarketChacha about FBK

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$122.6M	2.45	6.3%
FY2024	$116.0M	2.48	7.4%
FY2023	$120.2M	2.57	8.3%

Quarterly

Period	Net profit	EPS
2026Q2	$58.6M	1.13
2026Q1	$57.5M	1.10
2025Q3	$23.4M	0.43
2025Q2	$2.9M	0.06
2025Q1	$39.4M	0.84
2024Q3	$10.2M	0.22
2024Q2	$40.0M	0.85
2024Q1	$27.9M	0.59
2023Q3	$19.2M	0.41
2023Q2	$35.3M	0.75
2023Q1	$36.4M	0.78

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/3/2026
8-K — Reg FD disclosure, Exhibits
SEC7/27/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/13/2026material
8-K — Shareholder vote results
SEC5/22/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/13/2026material
10-Q filing
SEC5/4/2026
8-K — Reg FD disclosure, Other events, Exhibits
SEC4/27/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/13/2026material
10-K filing
SEC2/26/2026
8-K — Reg FD disclosure, Exhibits
SEC2/11/2026material
8-K — Executive/director change
SEC2/3/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/21/2026material

2025

8-K — Other events
SEC12/4/2025material
8-K — Other events, Exhibits
SEC11/14/2025material
8-K — Other events, Exhibits
SEC11/13/2025material
10-Q filing
SEC11/7/2025
8-K — Reg FD disclosure, Exhibits
SEC11/5/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/14/2025material
8-K — Executive/director change
SEC9/18/2025material
8-K — Reg FD disclosure, Other events, Exhibits
SEC9/15/2025material
8-K — Termination of agreement, Other events
SEC9/5/2025material
8-K — Reg FD disclosure, Exhibits
SEC9/2/2025material
10-Q filing
SEC8/4/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.