FBK - FB Financial Corporation
Price:
--
--
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CONSENSUS:
Buy
DETAILS
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PRICE TARGET:
$65.00
DETAILS
HIGH:
$65.00
LOW:
$65.00
MEDIAN:
$65.00
CONSENSUS:
$65.00
UPSIDE:
23.39%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||
| Revenue | 877.8 | 766.8 | 749.0 | 596.4 | 613.3 | 616.5 | 417.9 | 370.2 | 311.2 | 265.2 | 192.4 | 143.7 | 128.5 | 105.8 |
| Cost of Revenue | 361.1 | 321.0 | 273.7 | 88.2 | (3.4) | 157.0 | 63.6 | 40.9 | 15.4 | 8.1 | 5.8 | 6.8 | 10.1 | 0 |
| Gross Profit | 516.7 | 445.7 | 475.2 | 508.2 | 616.6 | 459.5 | 354.4 | 329.3 | 295.8 | 257.1 | 186.5 | 136.9 | 118.4 | 105.8 |
| Operating Expenses | ||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 245.8 | 190.8 | 211.7 | 222.7 | 262.2 | 243.8 | 161.2 | 150.0 | 143.0 | 127.5 | 94.1 | 68.2 | 57.6 | 60.8 |
| Other Expenses | 132.4 | 108.2 | 113.2 | 125.9 | 111.3 | 133.3 | 83.6 | 73.4 | 79.4 | 67.3 | 41.4 | 34.0 | 32.0 | 0 |
| Operating Expenses | 378.2 | 299.1 | 325.0 | 348.6 | 373.6 | 377.1 | 244.8 | 223.5 | 222.3 | 194.8 | 135.7 | 102.2 | 89.6 | 83.9 |
| Operating Income | ||||||||||||||
| Operating Income | 138.5 | 146.7 | 150.3 | 159.6 | 243.1 | 82.5 | 109.5 | 105.9 | 73.5 | 62.3 | 50.8 | 34.7 | 28.8 | 31.2 |
| Interest Expense | 317.8 | 309.0 | 271.2 | 69.2 | 37.6 | 49.0 | 56.5 | 35.5 | 16.3 | 9.5 | 8.9 | 9.5 | 11.6 | 0 |
| Interest Income | 833.9 | 725.5 | 678.4 | 481.4 | 385.0 | 314.6 | 282.5 | 239.6 | 169.6 | 120.5 | 102.8 | 92.9 | 87.1 | 0 |
| Profitability | ||||||||||||||
| EBITDA | 150.7 | 161.6 | 165.1 | 172.2 | 256.9 | 95.3 | 119.1 | 113.4 | 79.8 | 76.8 | 58.4 | 39.8 | 33.5 | (9.2) |
| EBIT | 138.5 | 146.7 | 150.3 | 159.6 | 243.1 | 82.5 | 109.5 | 105.9 | 73.5 | 62.3 | 50.8 | 34.7 | 28.8 | 0 |
| Income Before Tax | 138.5 | 146.7 | 150.3 | 159.6 | 243.1 | 82.5 | 109.5 | 105.9 | 73.5 | 62.3 | 50.8 | 34.7 | 28.8 | 22.0 |
| Income Tax Expense | 15.9 | 30.6 | 30.1 | 35.0 | 52.8 | 18.8 | 25.7 | 25.6 | 21.1 | 21.7 | 3.0 | 2.3 | 1.9 | 1.5 |
| Net Income | 122.6 | 116.0 | 120.2 | 124.6 | 190.3 | 63.6 | 83.8 | 80.2 | 52.4 | 40.6 | 47.9 | 32.5 | 26.9 | 20.5 |
| Per Share Data | ||||||||||||||
| EPS (Basic) | 2.41 | 2.49 | 2.57 | 2.64 | 4.01 | 1.69 | 2.70 | 2.62 | 1.90 | 2.12 | 2.00 | 1.35 | 1.12 | 1.19 |
| EPS (Diluted) | 2.40 | 2.48 | 2.57 | 2.64 | 3.97 | 1.67 | 2.65 | 2.56 | 1.86 | 2.10 | 2.00 | 1.89 | 1.12 | 1.19 |
| Shares Outstanding | 53.1 | 46.7 | 46.8 | 47.1 | 47.4 | 37.6 | 30.9 | 30.7 | 27.6 | 19.2 | 24.0 | 17.2 | 24.0 | 17.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 942.5 | 916.7 | 727.6 | 816.5 | 1,669.7 | 1,196.7 | 101.6 | 94.0 | 53.6 | 123.3 |
| Short-Term Investments | 613.2 | 826.7 | 978.2 | 1,471.2 | 1,678.5 | 1,172.4 | 688.4 | 655.7 | 536.3 | 582.2 |
| Net Receivables | 58.6 | 112.6 | 95.2 | 87.2 | 98.4 | 70.4 | 39.1 | 23.6 | 16.8 | 7.3 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 1,634.3 | 1,872.0 | 1,814.7 | 2,374.9 | 3,459.0 | 2,446.9 | 833.6 | 776.6 | 609.1 | 715.0 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 231.6 | 196.9 | 210.0 | 206.4 | 185.4 | 194.7 | 122.7 | 86.9 | 81.6 | 66.7 |
| Goodwill | 350.4 | 242.6 | 242.6 | 242.6 | 242.6 | 242.6 | 169.1 | 137.2 | 137.2 | 46.9 |
| Intangible Assets | 181.0 | 169.2 | 173.5 | 180.7 | 132.5 | 103.6 | 95.1 | 101.8 | 93.0 | 38.9 |
| Long-Term Investments | 13,319.2 | 10,361.9 | 9,880.0 | 9,377.7 | 8,270.9 | 7,885.3 | 4,666.3 | 3,934.8 | 3,686.5 | 2,354.2 |
| Other Non-Current Assets | 571.0 | 293.4 | 252.0 | 413.7 | 306.7 | 318.0 | 238.2 | 99.5 | 120.4 | 55.2 |
| Total Non-Current Assets | 14,666.0 | 11,285.5 | 10,789.7 | 10,463.6 | 9,138.7 | 8,760.4 | 5,291.3 | 4,360.2 | 4,118.6 | 2,561.9 |
| Total Assets | 16,300.3 | 13,157.5 | 12,604.4 | 12,847.8 | 12,597.7 | 11,207.3 | 6,124.9 | 5,136.8 | 4,727.7 | 3,276.9 |
| Current Liabilities | ||||||||||
| Account Payables | 21.5 | 24.2 | 18.8 | 8.6 | 3.2 | 6.8 | 6.5 | 5.0 | 1.5 | 0.6 |
| Short-Term Debt | 99.9 | 13.5 | 108.8 | 0 | 0 | 0 | 0 | 0 | 233.0 | 171.6 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 13,910.0 | 11,210.4 | 10,548.3 | 10,855.8 | 10,836.9 | 9,458.0 | 4,934.9 | 4,171.7 | 3,664.4 | 2,671.6 |
| Total Current Liabilities | 14,060.3 | 11,275.0 | 10,694.3 | 10,878.1 | 10,862.2 | 9,500.6 | 4,957.9 | 4,184.8 | 3,910.0 | 2,849.7 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 122.8 | 173.0 | 291.9 | 425.2 | 180.2 | 244.5 | 310.2 | 230.4 | 347.6 | 44.9 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 6.8 | 0 | 20.5 | 16.7 | 11.9 | 4.2 |
| Other Non-Current Liabilities | 108.4 | 81.8 | 95.7 | 149.2 | 69.5 | 115.6 | 38.4 | 33.1 | (138.4) | 47.6 |
| Total Non-Current Liabilities | 291.8 | 314.8 | 455.2 | 644.2 | 302.8 | 415.3 | 404.7 | 280.1 | 221.0 | 96.6 |
| Total Liabilities | 14,352.0 | 11,589.9 | 11,149.5 | 11,522.2 | 11,165.0 | 9,915.9 | 5,362.6 | 4,464.9 | 4,131.0 | 2,946.4 |
| Stockholders' Equity | ||||||||||
| Common Stock | 51.8 | 46.7 | 46.8 | 46.7 | 47.5 | 47.2 | 31.0 | 30.7 | 30.5 | 24.1 |
| Retained Earnings | 846.6 | 762.3 | 678.4 | 586.5 | 486.7 | 317.6 | 293.5 | 221.2 | 146.8 | 93.8 |
| Accumulated Other Comprehensive Income | (32.6) | (101.7) | (134.7) | (169.4) | 5.9 | 27.6 | 12.1 | (4.2) | 0.1 | (0.9) |
| Total Stockholders' Equity | 1,948.2 | 1,567.5 | 1,454.8 | 1,325.4 | 1,432.6 | 1,291.3 | 762.3 | 671.9 | 596.7 | 330.5 |
| Total Liabilities & Equity | 16,300.3 | 13,157.5 | 12,604.4 | 12,847.8 | 12,597.7 | 11,207.3 | 6,124.9 | 5,136.8 | 4,727.7 | 3,276.9 |
| Debt Metrics | ||||||||||
| Total Debt | 283.2 | 246.6 | 468.4 | 495.0 | 226.5 | 299.7 | 345.7 | 230.4 | 580.6 | 216.5 |
| Net Debt | (659.3) | (670.1) | (259.3) | (321.5) | (1,443.1) | (897.1) | 244.2 | 136.4 | 527.0 | 93.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 122.6 | 116.1 | 120.2 | 124.6 | 190.3 | 63.6 | 83.8 | 80.2 | 52.4 | 40.6 |
| Depreciation & Amortization | 17.4 | 14.9 | 14.8 | 12.6 | 13.9 | 12.9 | 9.5 | 7.5 | 6.3 | 14.4 |
| Stock-Based Compensation | 17.3 | 9.5 | 10.4 | 9.9 | 10.3 | 10.2 | 7.1 | 7.2 | 6.8 | 4.7 |
| Change in Working Capital | (15.6) | (21.5) | (5.6) | 54.1 | (41.8) | (11.1) | (31.9) | (39.1) | 54.1 | (9.4) |
| Other Non-Cash Items | 19.1 | 21.6 | 72.6 | 585.7 | (148.6) | (320.1) | (2.7) | 150.0 | (88.4) | (304.8) |
| Operating Cash Flow | 155.9 | 138.8 | 211.1 | 799.7 | 54.9 | (270.0) | 63.9 | 212.2 | 37.6 | (245.2) |
| Investing Activities | ||||||||||
| Capital Expenditure | (8.8) | (6.5) | (20.2) | (10.6) | (6.1) | (5.9) | (6.8) | (10.1) | (4.5) | (4.8) |
| Acquisitions | 370.1 | 0 | 0 | 0 | 0 | 248.4 | 171.0 | 0 | (135.1) | 0 |
| Purchases of Investments | 0 | (915.4) | (202.1) | (252.9) | (847.2) | (425.0) | (151.4) | (203.8) | (81.4) | (316.4) |
| Sales/Maturities of Investments | 2.6 | 826.3 | 231.8 | 206.0 | 305.1 | 367.0 | 137.5 | 75.8 | 178.1 | 375.5 |
| Other Investing Activities | (405.3) | (198.3) | (64.7) | (1,696.6) | (301.4) | 124.8 | (333.2) | (448.3) | (224.2) | (87.1) |
| Investing Cash Flow | (32.5) | (294.0) | (55.2) | (1,754.1) | (849.6) | 309.4 | (182.9) | (586.5) | (267.2) | (32.7) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (44.6) | (130) | (45) | 175 | (75) | (136.8) | 68.2 | (120.6) | 53.6 | 36.7 |
| Stock Repurchased | (155.9) | (12.7) | (4.9) | (40.0) | (7.6) | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | (37.9) | (31.8) | (28.1) | (24.5) | (20.9) | (14.2) | (10.0) | (6.1) | 0 | (69.3) |
| Other Financing Activities | 227.5 | 560.4 | (294.7) | 72.4 | 1,377.2 | 1,190.3 | 167.3 | 509.3 | 6.0 | 233.1 |
| Financing Cash Flow | (10.0) | 386.8 | (372.0) | 184.1 | 1,274.5 | 1,045.1 | 226.3 | 379.9 | 213.0 | 316.5 |
| Cash Position | ||||||||||
| Net Change in Cash | 113.4 | 231.6 | (216.1) | (770.7) | 479.8 | 1,085.2 | 107.3 | 5.6 | (16.6) | 38.6 |
| Cash at Beginning | 1,042.5 | 810.9 | 1,027.1 | 1,797.7 | 1,317.9 | 232.7 | 125.4 | 119.8 | 136.3 | 97.7 |
| Cash at End | 1,155.9 | 1,042.5 | 810.9 | 1,027.1 | 1,797.7 | 1,317.9 | 232.7 | 125.4 | 119.8 | 136.3 |
| Free Cash Flow | 147.0 | 132.3 | 190.8 | 789.1 | 48.8 | (275.9) | 57.1 | 202.1 | 33.1 | (250.0) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||
| Revenue | 877.8 | 766.8 | 749.0 | 596.4 | 613.3 | 616.5 | 417.9 | 370.2 | 311.2 | 265.2 | 192.4 | 143.7 | 128.5 | 105.8 |
| Gross Profit | 516.7 | 445.7 | 475.2 | 508.2 | 616.6 | 459.5 | 354.4 | 329.3 | 295.8 | 257.1 | 186.5 | 136.9 | 118.4 | 105.8 |
| Operating Income | 138.5 | 146.7 | 150.3 | 159.6 | 243.1 | 82.5 | 109.5 | 105.9 | 73.5 | 62.3 | 50.8 | 34.7 | 28.8 | 31.2 |
| Net Income | 122.6 | 116.0 | 120.2 | 124.6 | 190.3 | 63.6 | 83.8 | 80.2 | 52.4 | 40.6 | 47.9 | 32.5 | 26.9 | 20.5 |
| EPS (Diluted) | 2.40 | 2.48 | 2.57 | 2.64 | 3.97 | 1.67 | 2.65 | 2.56 | 1.86 | 2.10 | 2.00 | 1.89 | 1.12 | 1.19 |
| Balance Sheet | ||||||||||||||
| Cash & Equivalents | 942.5 | 916.7 | 727.6 | 816.5 | 1,669.7 | 1,196.7 | 101.6 | 94.0 | 53.6 | 123.3 | ||||
| Total Assets | 16,300.3 | 13,157.5 | 12,604.4 | 12,847.8 | 12,597.7 | 11,207.3 | 6,124.9 | 5,136.8 | 4,727.7 | 3,276.9 | ||||
| Total Debt | 283.2 | 246.6 | 468.4 | 495.0 | 226.5 | 299.7 | 345.7 | 230.4 | 580.6 | 216.5 | ||||
| Stockholders' Equity | 1,948.2 | 1,567.5 | 1,454.8 | 1,325.4 | 1,432.6 | 1,291.3 | 762.3 | 671.9 | 596.7 | 330.5 | ||||
| Cash Flow | ||||||||||||||
| Operating Cash Flow | 155.9 | 138.8 | 211.1 | 799.7 | 54.9 | (270.0) | 63.9 | 212.2 | 37.6 | (245.2) | ||||
| Capital Expenditure | (8.8) | (6.5) | (20.2) | (10.6) | (6.1) | (5.9) | (6.8) | (10.1) | (4.5) | (4.8) | ||||
| Free Cash Flow | 147.0 | 132.3 | 190.8 | 789.1 | 48.8 | (275.9) | 57.1 | 202.1 | 33.1 | (250.0) | ||||