Since January 2026, FB Financial has been in a holding pattern, posting a small loss of 1.4% while floating around $55.36. The stock also fell short of the S&P 500’s 8.5% gain during that period.
Is now the time to buy FB Financial, or should you be careful about including it in your portfolio? Get the full breakdown from our expert analysts, it’s free.
Why Is FB Financial Not Exciting?
We’re sitting this one out for now. Here are three reasons you should be careful with FBK, plus one stock we’d rather own.
1. Long-Term Revenue Growth Disappoints
In general, banks make money from two primary sources. The first is net interest income, which is interest earned on loans, mortgages, and investments in securities minus interest paid out on deposits. The second source is non-interest income, which can come from bank account, credit card, wealth management, investment banking, and trading fees.
Over the last five years, FB Financial grew its revenue at a weak 1.4% compounded annual growth rate. This was below our standards.
2. EPS Trending Down
Analyzing the long-term change in earnings per share (EPS) shows whether a company’s incremental sales were profitable — for example, revenue could be inflated through excessive spending on advertising and promotions.
Sadly for FB Financial, its EPS declined by 1.1% annually over the last five years while its revenue grew by 1.4%. This tells us the company became less profitable on a per-share basis as it expanded.
3. Substandard TBVPS Growth Indicates Limited Asset Expansion
We consider tangible book value per share (TBVPS) the most important metric to track for banks. TBVPS represents the real, liquid net worth per share of a bank, excluding intangible assets that have debatable value upon liquidation.
To the detriment of investors, FB Financial’s TBVPS grew at a mediocre 8.8% annual clip over the last two years.
Final Judgment
FB Financial’s business quality ultimately falls short of our standards. With its shares lagging the market recently, the stock trades at 1.3× forward P/B (or $55.36 per share). While this valuation is fair, the upside isn’t great compared to the potential downside. We’re pretty confident there are superior stocks to buy right now. Let us point you toward a top digital advertising platform riding the creator economy.
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