Is FB Financial (FBK) Below Fair Value On Its Southern States Bank Deal?

Simply Wall St.01:26

FB Financial (FBK) has drawn fresh attention after recent share price moves in the past month and past three months. Investors are reassessing the regional bank’s valuation and earnings profile. See ...

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Investors are reassessing the regional bank’s valuation and earnings profile. See ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-fbk/fb-financial/news/is-fb-financial-fbk-below-fair-value-on-its-southern-states\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0211327993.USD","symbol_name":"TEMPLETON GLOBAL EQUITY INCOME \"A\" (USD) ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-fbk/fb-financial/news/is-fb-financial-fbk-below-fair-value-on-its-southern-states","article_id":"2660101431","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-fbk/fb-financial/news/is-fb-financial-fbk-below-fair-value-on-its-southern-states","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2660101431","pubTimestamp":1786987616,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"FB Financial (FBK) has drawn fresh attention after recent share price moves in the past month and past three months. Investors are reassessing the regional bank’s valuation and earnings profile.\nSee our latest analysis for FB Financial.\nWith the share price at about $61.80, FB Financial has posted a 19.74% 90 day share price return and a 23.27% 1 year total shareholder return, which points to building momentum rather than a sharp short term swing.\nIf FB Financial’s recent move has you...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0211327993.USD":"TEMPLETON GLOBAL EQUITY INCOME \"A\" (USD) ACC","BK4524":"宅经济概念","BK4508":"社交媒体","LU0795875169.SGD":"JPMorgan Investment Funds - Global Income A (div) SGD-H","LU1621767737.EUR":"AZ EQUITY GLOBAL INFRASTRUCTURE \"AAZ\" (EUR) ACC","FB":"ProShares S&P 500 Dynamic Buffer ETF","RCTR":"First Trust Bloomberg Nuclear Power ETF","BK4527":"明星科技股","BK4553":"喜马拉雅资本持仓","BK4077":"互动媒体与服务","FBY":"META期权收益策略ETF-YieldMax","FPWR":"First Trust EIP Power Solutions ETF","BK4579":"人工智能","JXI":"iShares S&P Global Utilities Sec","VPU":"Vanguard Utilities ETF","BK4534":"瑞士信贷持仓","XLU":"公共事业指数ETF-SPDR","BK4585":"ETF&股票定投概念","METD":"1倍做空META ETF-Direxion","LU0211328371.USD":"TEMPLETON GLOBAL EQUITY INCOME \"A\" (MDIS) (USD)   INC","SO":"美国南方公司","UPW":"ProShares Ultra Utilities","FBK":"Fb Financial Corp","LU1621768115.EUR":"AZ EQUITY GLOBAL INFRASTRUCTURE \"B\" (EUR) INC","BK4503":"景林资产持仓","FBL":"2倍做多META ETF-GraniteShares","IDU":"iShares U.S. Utilities ETF","LU0320765646.SGD":"FTIF - Franklin Income A MDIS SGD-H1","LU0912757837.SGD":"JPMorgan Investment Funds - Global Income A (mth) SGD-H","LU1267930490.SGD":"TEMPLETON GLOBAL EQUITY INCOME \"AS\" (SGD) INC A","IE00BMG7P694.USD":"Legg Mason ClearBridge - Global Infrastructure Income A Mdis USD Plus","LU1718418525.SGD":"JPMorgan Investment Funds - Global Select Equity A (acc) SGD","BK4525":"远程办公概念","METU":"2倍做多META ETF-Direxion","LU2384288077.EUR":"AZ EQUITY GLOBAL INFRASTRUCTURE \"A-INS\" (EUR) ACC","TRUU":"VanEck Utilities TruSector ETF","LU0726765562.USD":"JPM GLOBAL INCOME \"A\" (USD HEDGED) INC","LU0795875086.SGD":"JPMorgan Investment Funds - Global Income A (div) SGD","IVEP":"DAN IVES WEDBUSH AI POWER & INFRASTRUCTURE ETF","IE00BMG7P926.USD":"Legg Mason ClearBridge - Global Infrastructure Income A Acc USD","BK4081":"电力公用事业","BK4588":"碎股","METW":"Roundhill META WeeklyPay™ ETF","BK4507":"流媒体概念","FBYY":"GraniteShares YieldBOOST META ETF","IE00BMG7P819.SGD":"Legg Mason ClearBridge - Global Infrastructure Income A Mdis SGD-H Plus","BK4581":"高盛持仓","FUTY":"Fidelity MSCI Utilities Index ETF","BK4551":"寇图资本持仓","BK4573":"虚拟现实"},"translate_title":"FB Financial (FBK) 的南方各州银行交易是否低于公允价值？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FPWR":0.6,"METD":0.6,"METW":0.6,"TRUU":0.6,"IDU":0.6,"FBYY":0.6,"IVEP":0.6,"VPU":0.6,"XLU":0.6,"FBK":1.5,"SO":1.5,"UPW":0.6,"FBL":0.6,"JXI":0.6,"METU":0.6,"FB":0.9,"FBY":0.6,"FUTY":0.6,"RCTR":0.6},"content_text":"FB Financial (FBK) has drawn fresh attention after recent share price moves in the past month and past three months. Investors are reassessing the regional bank’s valuation and earnings profile. See our latest analysis for FB Financial. With the share price at about $61.80, FB Financial has posted a 19.74% 90 day share price return and a 23.27% 1 year total shareholder return, which points to building momentum rather than a sharp short term swing. If FB Financial’s recent move has you thinking about what else is working in the market, it could be a good time to check out 21 top founder-led companies FB Financial’s banking and mortgage franchise looks solid on paper, and the recent share price run adds to that impression. The real test now is whether you are paying a fair price for that strength. AdvertisementMost Popular Narrative: 4.1% Undervalued The most followed narrative on FB Financial sets a fair value of $64.43 against the current $61.80 share price. This leaves a modest valuation gap that analysts link to specific business drivers rather than sentiment alone.  The planned combination with Southern States Bank is expected to enhance scale and market opportunities, potentially benefiting revenue growth through expanded market presence and improved margin stabilization. FB Financial's ability to adjust cost structures, such as repricing certificates of deposit at lower rates, indicates management's focus on improving net margins by reducing the cost of funds.  Read the complete narrative. Want to see how this story translates into numbers for FB Financial? Revenue growth assumptions, wider margins, and a lower future earnings multiple all pull together into that fair value. Result: Fair Value of $64.43 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, the FB Financial story still carries real risks, including integration issues around Southern States Bank and pressure on credit costs if charge offs rise again. Find out about the key risks to this FB Financial narrative. Another View: FB Financial On Earnings Multiples The DCF work suggests FB Financial looks attractive, yet the P/E ratio of 15.7x sits well above the US Banks industry at 12.1x and the 12.3x peer average. It also exceeds a fair ratio of 14.1x. That richer multiple could mean less room for error if expectations shift. For a closer look at how this earnings multiple compares with history, peers, and the fair ratio in detail, See what the numbers say about this price — find out in our valuation breakdown. NYSE:FBK P/E Ratio as at Aug 2026Next Steps With both risks and rewards in play for FB Financial, the sentiment is clearly mixed, so it makes sense to move quickly and review the details for yourself. To weigh the potential upside against the key concerns in one place, start with 3 key rewards and 1 important warning sign Looking for more investment ideas beyond FB Financial? Do not stop with a single stock. Broader ideas can help you spot opportunities you might otherwise miss, and the right screeners make that process faster and clearer.  Target higher yield potential by reviewing companies in the 10 dividend fortresses that could offer sizeable income alongside your capital allocation. Hunt for value opportunities by scanning the 52 high quality undervalued stocks and see which stocks currently trade below their assessed worth. Reduce portfolio stress by checking the 80 resilient stocks with low risk scores and focus on companies with more resilient profiles.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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