
FB Financial (FBK) Stock Forecast & Price Target
FB Financial (FBK) Analyst Ratings
Bulls say
FB Financial Corp demonstrated a robust growth trajectory with a 7.2% annualized increase in deposits in the second quarter, reflecting strong performance across non-interest-bearing (NIB) and money market accounts. The company is benefiting from an enhanced net interest margin (NIM), which widened to 3.95% in the third quarter, attributed to the integration of SSBK’s higher-margin portfolio and effective asset mix management. Additionally, the positive trajectory in net interest income (NII), coupled with cost savings and share repurchase activity, indicates a favorable operational environment that supports a strong earnings per share (EPS) outlook.
Bears say
FB Financial Corp's management has intentionally allowed a decline in interest-bearing checking accounts to manage high-cost, non-core balances, which may negatively affect funding and operational efficiency. The anticipated compression of net interest margin (NIM) due to decreasing short-term rates and sticky deposit costs raises concerns about future profitability, with projections indicating a modest NIM range of 3.80-3.90% in upcoming quarters. Additionally, conservative loan/deposit growth guidance does not capture potential opportunities for accelerated growth amidst market disruptions, while merger-related charges and potential capital dilution risks further contribute to a cautious outlook for the company's share performance.
This aggregate rating is based on analysts' research of FB Financial and is not a guaranteed prediction by Public.com or investment advice.
FB Financial (FBK) Analyst Forecast & Price Prediction
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