FB Financial Corporation

FBK

Banks - Regional · Financial Services

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 1, 2026

How the score breaks down

Growth

Mixed

Valuation

Good

Dividends

Good

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Winston Score History

The full picture

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.

Politician Trades

2 trades / 12mo

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

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Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

15.6x

no trend

Fair value — P/E 15.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.6

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

1.31%

no trend

Small dividend — 1.31% yield

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

Dividend record

Dividend Growth

+10.8%

no trend

Dividend growing fast (10.8% YoY)

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