FB Financial

FBK · NYSE

$52.25+$0.67 (+1.30%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $51.58

FBK analyst rating

BuyConsensus of 6 analysts over the last 12 months. 100% rate it a buy.

Strong buy2
Buy4
Hold0
Underperform0
Sell0

12-month price target · 9 analysts

Average $67.16 (+28.5% upside)

Low: $63.63
Now: $52.25
High: $70.88

Upgrades and downgrades

The latest rating actions, newest first

FBK analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Keefe, Bruyette & Woods	Oct 14, 2026	Maintains	Outperform	$65.00 → $64.00	72%
StoneX	Oct 14, 2026	Maintains	Buy	$67.00 → $61.00	39%
Cantor Fitzgerald	Oct 14, 2026	Maintains	Overweight	$65.00	54%
Benchmark	Jul 15, 2026	Maintains	Buy	$64.00 → $67.00	39%
Raymond James	Jul 1, 2026	Maintains	Strong Buy	$62.00 → $63.00	59%
Benchmark	Jun 25, 2026	Initiates	Buy	$64.00	39%
Keefe, Bruyette & Woods	Apr 15, 2026	Maintains	Outperform	$67.00 → $65.00	72%
Cantor Fitzgerald	Apr 15, 2026	Maintains	Overweight	$66.00	54%
Cantor Fitzgerald	Apr 14, 2026	Maintains	Overweight	$66.00	54%
Raymond James	Apr 7, 2026	Upgrade	Market Perform → Strong Buy	$62.00	61%

The case for and against

Updated Oct 16, 2026

Bull case

FB Financial is supported by a well-positioned community bank franchise in attractive growth markets, with Nashville representing slightly over a third of the footprint and Tennessee population growth outpacing the U.S., which should aid longer-term loan and deposit expansion. Core fundamentals remain solid, as deposits reached $14.1 billion at 1Q26, the cost of interest-bearing funds fell to 2.79%, the NIM was 3.94%, and management expects mid-to-high single-digit balance sheet growth with NII and fee income still growing. Even after a tougher PPNR quarter, the company’s disciplined pricing, improving core deposit mix, 1.4%+ ROA profile, and well-managed capital base around 11.5% CET1 support the view that profitability and shareholder returns can improve further.

Bear case

FB Financial is facing a negative setup because earnings estimates were cut for FY26/27E to $4.64/$4.90 as net interest margin pressure and softer mortgage-related fees limit profitability, while PPNR fell about $4M sequentially even as loan and deposit growth improved. The core concern is that a few more basis points of NIM compression could keep FY27E EPS growth minimal, and loan growth remains the key watchpoint because sub-mid-single-digit expansion would undermine the growth thesis. Although credit quality remains manageable with low NCOs and an ACL near 1.47%-1.49%, the stock also carries execution risk from acquisitions, rate uncertainty, and the possibility that the franchise becomes less differentiated as a larger regional bank.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.