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FBK

FB Financial Corp
Chart
59.10 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalMID
Snapshot 2026-07-26 · 0.6w · Fresh
0.87
OS Score
73.0%
Value
72.0%
Quality
70.0%
Momentum
5/9
F-Score
0.725
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
7 of 23 passing
★
OS Composite
OS 0.870
↗
Trending Value
✗
◆
Quality × Value
QV 0.725
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
9.5%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +22%
🔄
Shareholder Yield
6.6%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 15%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.68
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
73.0%ile
P/E
12.8×
P/S
2.9×
P/B
1.5×
E/P
0.0903
FCF Yield
0.052
EBITDA/EV
0.095
SH Yield
0.066
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
34.00000000
/100 — 1=cheapest
VC2 (Trending Value)
28.00000000
/100
VC3 (Buyback)
28.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
72.0%ile
ROE
0.119
ROA
0.014
Net Margin
0.222
Op Margin
0.277
GPA
0.041
D/E
7.67
Current
2.47
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.224
Earn Growth
1.076
Stability
0.429
lower=better
Accruals
0.004
lower=better
5yr Consist
No
Highly leveraged with D/E of 7.67 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
70.0%ile
6M Return
4.6%
12M Return
22.0%
12-1 Mom
15.4%
Risk-Adj
0.61
Vol 252d
25.1%
Vol 60d
50.3%
↑ Expanding
Max DD 12M
-17.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (50%) is expanding vs long-term (25%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.87
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
35.3%
Sector Quality %ile
51.5%
P/E z-score
-0.16
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
IX Orix Corp Ads 98.0% 97.0% 82.0% 91.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (73th) and quality (72th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (73th value) with strong momentum (70th). The market is starting to recognise the value.
Growth at Reasonable Price
Revenue growing 22% with P/E of 13×. Growth isn't fully priced in.
Strong Capital Return
Shareholder yield 6.6% backed by 5.2% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (50%) significantly exceeds 252-day (25%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
70.7% avg (7 factors)
Quality
C
46.3% avg (8 factors)
Momentum
C
48.8% avg (4 factors)
Risk
B
74.9% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.870—8—
Value %ile0.730—8—
Quality %ile0.720—8—
Momentum %ile0.700—1—
F-Score5.000—0—
Confidence1.000—8—
Volatility0.251—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
12.83
Earnings Yield (E/P)
0.0903
Price / Sales
2.85
Price / Book
1.53
Price / Cash Flow
18.95
FCF Yield
5.2%
EBITDA / EV
9.5%
Sales Yield (1/P·S)
0.3256
Shareholder Yield
Div + net buyback / mktcap
6.6%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.9%
Return on Assets
1.4%
Net Margin
22.2%
Operating Margin
27.7%
Gross Profit / Assets
Novy-Marx GPA
4.1%
Debt / Equity
7.67
Current Ratio
2.47
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.004
External Financing
Net issuance — lower=better
0.009
MomentumPrice trend strength over different horizons
6M Return
4.6%
12M Return
22.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
15.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.61
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
22.4%
Earnings Growth (YoY)
107.6%
Earnings Stability (CV)
Lower = more stable
0.429
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
5
Dividend Yield
1.4%
Buyback Yield
5.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
34
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
28
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
28
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity