What is FB Financial Financial Strength?
FB Financial has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate FB Financial's interest coverage with the available data.
FB Financial's debt to revenue ratio for the quarter that ended in Dec. 2024 was 0.44.
Altman Z-Score does not apply to banks and insurance companies.
FB Financial Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
FB Financial's Interest Expense for the
months ended in Dec. 2024 was $-78.0 Mil. Its Operating Income for the
months ended in Dec. 2024 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $233.1 Mil.
FB Financial's Interest Coverage for the quarter that ended in Dec. 2024 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. FB Financial Corp has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
FB Financial's Debt to Revenue Ratio for the quarter that ended in Dec. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FB Financial Business Description
Traded in Other Exchanges
N/A
Address
1221 Broadway, Suite 1300, Nashville, TN, USA, 37203
FB Financial Corp is a bank holding company. The company through its wholly-owned bank subsidiary provides commercial and consumer banking services to clients in select markets in Tennessee, North Alabama, and North Georgia. The company segment includes Banking and Mortgage. It generates revenue from the Banking segment which provides a full range of deposit and lending products and services to corporate, commercial, and consumer customers. The Mortgage segment includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies.
Executives
| Cross James W Iv |
director |
FRANKLIN FINANCIAL CORP, 230 PUBLIC SQUARE, FRANKLIN TN 37064 |
| James W. Ayers |
director, 10 percent owner, officer: Executive Chairman |
C/O FB FINANCIAL CORPORATION, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Mark Hickman |
officer: Chief Human Resources Officer |
1221 BROADWAY, SUITE 1300, NASHVILLE TN 37203 |
| Carpenter William F Iii |
director |
C/O FB FINANCIAL CORP, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Raja J. Jubran |
director |
211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Ingram Orrin H Ii |
director |
C/O FB FNIANCIAL CORPORATION, 1221 BROADWAY, SUITE 1300, NASHVILLE TN 37203 |
| Jonathan Wade Pennington |
officer: Chief Accounting Officer |
C/O FB FINANCIAL CORP, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| James Gregory Bowers |
officer: Chief Credit Officer |
C/O FB FINANCIAL CORP, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Wilburn J. Evans |
officer: President FirstBank Ventures |
C/O FB FINANCIAL CORPORATION, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Agenia Clark |
director |
C/O FB FINANCIAL CORPORATION, 1221 BROADWAY, SUITE 1300, NASHVILLE TN 37203 |
| Charles Wright Pinson |
director |
C/O FB FINANCIAL CORPORATION, 1221 BROADWAY, SUITE 1300, NASHVILLE TN 37203 |
| Aimee T Hamilton |
officer: Chief Risk Officer |
2800 POST OAK BOULEVARD, SUITE 100, HOUSTON TX 77056 |
| Keith S Rainwater |
officer: Principal Accounting Officer |
C/O SCBT FINANCIAL CORPORATION, 520 GERVAIS STREET, COLUMBIA SC 29201 |
| Timothy L. Johnson |
officer: Chief Risk Officer |
C/O FB FINANCIAL CORPORATION, 211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
| Beth W Sims |
officer: General Counsel and Corp. Sec. |
211 COMMERCE STREET, SUITE 300, NASHVILLE TN 37201 |
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