Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

41.00 

0.60 1.5%

as of Nov 28 '22

52 Week Range:

35.00 43.60


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 18.47
21.46
21.52
25.94
growth rate 16.2% 0.3% 20.5%
Avg.PE 11.15
11.11
13.78
13.78
growth rate -0.4% 24.0% 0.0%
ROA 1.19
1.39
1.80
1.31
1.31
1.63
1.48
0.73
1.60
growth rate 16.8% 29.5% -27.2% 0.0% 24.4% -9.2% -50.7% 119.2%
ROE 14.18
16.03
21.18
14.31
11.30
12.65
11.63
6.20
13.97
growth rate 13.1% 32.1% -32.4% -21.0% 12.0% -8.1% -46.7% 125.3%
Leverage 11.91
11.28
12.25
9.91
7.92
7.65
8.03
8.68
8.79
growth rate -5.3% 8.6% -19.1% -20.1% -3.4% 5.0% 8.1% 1.3%
Balance Sheet Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 5.23
11.23
12.73
17.13
growth rate 114.8% 13.4% 34.6%
Acct.Payable 1,923.57
2,438.47
2,671.56
3,664.40
4,171.72
4,934.94
9,458.04
10,836.90
growth rate 26.8% 9.6% 37.2% 13.8% 18.3% 91.7% 14.6%
Cur.Assets 264.82
399.31
682.06
689.98
469.68
604.20
2,420.94
2,713.71
growth rate 50.8% 70.8% 1.2% -31.9% 28.6% 300.7% 12.1%
Total Assets 2,428.19
2,899.42
3,276.88
4,727.71
5,136.76
6,124.92
11,207.33
12,597.69
growth rate 19.4% 13.0% 44.3% 8.7% 19.2% 83.0% 12.4%
Cash 49.95
97.72
136.33
119.75
125.36
232.68
1,317.90
1,723.57
growth rate 95.6% 39.5% -12.2% 4.7% 85.6% 466.4% 30.8%
Inventory 7.26
13.30
9.06
18.81
14.28
20.52
13.28
10.46
growth rate 83.2% -31.9% 107.7% -24.1% 43.7% -35.3% -21.2%
Cur.Liabilities 2,125.51
2,568.90
2,850.33
3,925.94
4,291.48
5,099.60
9,581.08
10,931.27
growth rate 20.9% 11.0% 37.7% 9.3% 18.8% 87.9% 14.1%
Liabilities 2,212.96
2,662.75
2,946.38
4,130.98
4,464.91
5,362.59
9,915.95
11,164.99
growth rate 20.3% 10.7% 40.2% 8.1% 20.1% 84.9% 12.6%
LT Debt 64.85
56.62
44.89
143.30
132.70
180.93
204.53
129.54
growth rate -12.7% -20.7% 219.2% -7.4% 36.4% 13.0% -36.7%
Equity 215.23
236.67
330.50
596.73
671.86
762.33
1,291.29
1,432.60
growth rate 10.0% 39.6% 80.6% 12.6% 13.5% 69.4% 10.9%
Common Shares 24.00
24.00
24.00
19.00
28.00
30.73
31.03
47.22
47.55
growth rate 0.0% 0.0% -20.8% 47.4% 9.7% 1.0% 52.2% 0.7%
Cash Flow Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 5.42
5.92
4.78
4.55
10.14
6.81
5.93
6.10
growth rate 9.1% -19.2% -5.0% 123.2% -32.9% -12.9% 2.8%
Cash Dividends 6.14
6.14
6.14
6.14
10.05
14.26
21.58
growth rate 0.0% 0.0% 0.0% 63.7% 42.0% 51.3%
Cash From OA -105.61
-45.78
-245.20
37.61
212.21
63.91
-270.00
54.88
growth rate 0.0% 0.0% 100.0% 464.2% -69.9% -100.0% 100.0%
FCF per Share 3.48
1.42
-1.62
-3.25
growth rate -59.2% -100.0% 0.0%
FCF 55.00
-111.00
-51.00
-250.00
33.00
202.00
57.00
-275.00
49.00
growth rate -100.0% 0.0% 0.0% 100.0% 512.1% -71.8% -100.0% 100.0%
Income Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 136.89
186.52
252.67
295.80
329.31
354.38
459.55
616.62
growth rate 36.3% 35.5% 17.1% 11.3% 7.6% 29.7% 34.2%
Op.Income 41.68
58.29
82.68
94.51
110.63
119.26
122.66
248.52
growth rate 39.9% 41.8% 14.3% 17.1% 7.8% 2.9% 102.6%
IBT 34.73
50.82
62.32
73.49
105.85
109.54
82.46
243.05
growth rate 46.3% 22.6% 17.9% 44.1% 3.5% -24.7% 194.8%
Net Income 22.36
47.86
40.59
52.40
80.24
83.81
63.62
190.29
growth rate 114.1% -15.2% 29.1% 53.1% 4.5% -24.1% 199.1%
EPS 1.12
1.35
2.00
2.04
1.86
2.55
2.65
1.67
3.97
growth rate 20.5% 48.2% 2.0% -8.8% 37.1% 3.9% -37.0% 137.7%
Gross Profit 136.89
186.52
252.67
295.80
329.31
354.38
459.55
616.62
growth rate 36.3% 35.5% 17.1% 11.3% 7.6% 29.7% 34.2%

Quarterly Statements

Item Name Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Balance Sheet
Acct.Receivable 17.13
growth rate
Acct.Payable 10,071.92
10,836.90
10,996.28
10,543.30
10,006.08
growth rate 7.6% 1.5% -4.1% -5.1%
Cur.Assets 2,339.72
2,713.71
2,189.28
1,255.76
754.94
growth rate 16.0% -19.3% -42.6% -39.9%
Total Assets 11,810.29
12,597.69
12,674.19
12,193.86
12,258.08
growth rate 6.7% 0.6% -3.8% 0.5%
Cash 1,324.56
1,723.57
1,743.31
677.26
618.29
growth rate 30.1% 1.2% -61.2% -8.7%
Inventory 10.36
10.46
10.17
9.93
5.92
growth rate 1.0% -2.8% -2.5% -40.4%
Cur.Liabilities 10,218.11
10,931.27
11,076.80
10,679.41
10,006.08
growth rate 7.0% 1.3% -3.6% -6.3%
Liabilities 10,409.28
11,164.99
11,294.32
10,873.92
10,976.92
growth rate 7.3% 1.2% -3.7% 1.0%
LT Debt 129.45
129.54
155.73
127.23
722.94
growth rate 0.1% 20.2% -18.3% 468.2%
Equity 1,400.91
1,432.60
1,379.78
1,319.85
1,281.16
growth rate 2.3% -3.7% -4.3% -2.9%
Common Shares 47.71
47.55
47.49
46.88
1,281.16
growth rate -0.3% -0.1% -1.3% 2,632.7%
Cash Flow Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Capital Expenditures 4.03
0.91
0.60
2.62
growth rate -77.4% -33.9% 336.4%
Cash Dividends 5.83
5.26
6.27
6.15
growth rate -9.8% 19.1% -1.8%
Cash From OA 34.06
95.92
288.15
240.24
growth rate 181.6% 200.4% -16.6%
FCF 30.04
95.01
287.55
237.61
growth rate 216.3% 202.6% -17.4%
Income Statement Sep '21 Dec '21 Mar '22 Jun '22 Sep '22
Sales 150.01
153.74
133.82
123.07
122.61
growth rate 2.5% -13.0% -8.0% -0.4%
Op.Income 56.35
64.14
45.79
39.72
40.76
growth rate 13.8% -28.6% -13.3% 2.6%
IBT 55.01
62.84
44.55
26.07
40.76
growth rate 14.2% -29.1% -41.5% 56.4%
Net Income 45.29
48.82
35.24
19.35
31.83
growth rate 7.8% -27.8% -45.1% 64.5%
Gross Profit 150.01
153.74
133.82
123.07
122.61
growth rate 2.5% -13.0% -8.0% -0.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (66.43)

YOY Growth Grade:

D (44.12)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.73 18.00 13.12
EPS / Growth 13.1% 2.28

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 28.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.1% 20.9% 20.9%
Future PE 13.12 24.24 24.24
Future EPS 7.79 15.24 15.24
Value Price
MOS %
25.27
-38.4%
91.28
122.6%
91.28
122.6%
MOS Price 12.64 45.64 45.64
IRT 9.15 7.42 7.42

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.