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Tennessee bank holding company operating FirstBank, providing commercial and consumer banking across Tennessee and the Southeast.
Tennessee bank holding company operating FirstBank, providing commercial and consumer banking across Tennessee and the Southeast.
Earns mostly from the gap between loan yields and deposit costs across Tennessee and nearby states, with mortgage lending adding fee income that swells and shrinks with housing activity. Its footprint grew through bank acquisitions, including Franklin Financial Network in 2020.
Moat: narrow (distribution, switching costs). Strong Tennessee community-bank franchise built through organic growth and acquisitions.
Headquarters: Nashville, Tennessee · Employees: 1,594
Size FB Financial (FBK) is a United States Financials company (Major Banks) with a market value of $2.66B, the 1616th largest of 3,117 United States companies the cockpit tracks. Shares closed at $54.17 on 6 Nov 2026.
Performance Over six months the shares gained 0.1%, against +1.6% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 27.2% over the last twelve months (peer median +6.3%); the operating margin is 42.5% (peer median 29.4%).
Valuation It trades at 1.39× book value against a peer median of 0.83× (4th most expensive of 21).
Price implies The share price implies a return on equity of about 12.3%; FB Financial delivers 11.9%, so the price asks more than the business earns today.
Short interest Short interest is 5.9% of the free float (15 Oct 2026).
Next results Next results expected around 19 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.04B | $866M | $765M | $749M | $647M |
| Revenue growth | — | +13% | +2% | +16% | — |
| Net income | $233M | $123M | $116M | $120M | $125M |
| Free cash flow | $173M | $147M | $132M | $191M | $779M |
| Capital expenditure | $6.47M | $8.85M | $6.55M | $20.2M | $10.6M |
| Total debt | $322M | $273M | $237M | $459M | $485M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| FB Financial FBK | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% |
| First Horizon FHN | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% |
| Pinnacle Financial Partners PNFP | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% |
| SmartFinancial SMBK | $816M | +13% | +10% | 11% | 1.40× | 10.8% |
| Home BancShares HOMB | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FBK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.4% | -0.1% | 9th highest of 21 |
| 6-month return | +0.1% | +1.6% | 10th lowest of 21 |
| Return on equity | 11.9% | 8.2% | 6th highest of 21 |
| Price / book | 1.39× | 0.83× | 4th most expensive of 21 |
| Trailing P/E | 12.0× | 11.1× | 9th most expensive of 21 |
| ROE the price implies | 12.3% | 8.9% | 3rd most demanding of 20 |
| ROE delivered | 11.9% | 8.2% | 6th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |