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FB Financial Corporation (FBK)
NYSE:FBK
US Market

FB Financial (FBK) Ratios

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FB Financial Ratios

FBK's free cash flow for Q4 2025 was $0.67. For the 2025 fiscal year, FBK's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
36.81 36.81 0.17 0.17 0.22
Quick Ratio
36.81 36.81 0.17 0.17 0.22
Cash Ratio
2.76 2.76 0.08 0.07 0.08
Solvency Ratio
0.01 <0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
2.19 2.19 0.01 0.02 0.07
Short-Term Operating Cash Flow Coverage
1.43 1.43 10.28 1.94 0.00
Net Current Asset Value
$ -11.74B$ -11.74B$ -9.72B$ -9.33B$ -9.15B
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.02 0.02 0.04 0.04
Debt-to-Equity Ratio
0.14 0.14 0.16 0.32 0.37
Debt-to-Capital Ratio
0.12 0.12 0.14 0.24 0.27
Long-Term Debt-to-Capital Ratio
0.12 0.12 0.10 0.17 0.24
Financial Leverage Ratio
8.37 8.37 8.39 8.66 9.69
Debt Service Coverage Ratio
0.34 0.32 0.41 0.36 1.98
Interest Coverage Ratio
0.44 0.44 0.47 0.55 2.31
Debt to Market Cap
0.14 0.13 0.08 0.21 0.25
Interest Debt Per Share
11.14 11.14 11.91 15.81 11.97
Net Debt to EBITDA
0.48 0.51 -4.15 -1.57 -1.87
Profitability Margins
Gross Profit Margin
58.86%58.86%58.13%63.45%85.22%
EBIT Margin
15.78%15.78%19.13%20.07%26.76%
EBITDA Margin
18.38%17.17%21.07%22.05%28.87%
Operating Profit Margin
15.78%15.78%19.13%20.07%26.76%
Pretax Profit Margin
15.78%15.78%19.13%20.07%26.76%
Net Profit Margin
13.97%13.97%15.13%16.05%20.89%
Continuous Operations Profit Margin
13.97%13.97%15.13%16.05%20.89%
Net Income Per EBT
88.52%88.52%79.11%79.99%78.05%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.75%0.75%0.88%0.95%0.97%
Return on Equity (ROE)
6.87%6.29%7.40%8.26%9.40%
Return on Capital Employed (ROCE)
0.85%0.85%7.79%7.87%8.10%
Return on Invested Capital (ROIC)
4.62%4.62%6.12%5.96%6.35%
Return on Tangible Assets
0.77%0.77%0.91%0.99%1.00%
Earnings Yield
4.48%4.14%4.83%6.45%7.32%
Efficiency Ratios
Receivables Turnover
14.99 14.99 6.81 7.86 6.84
Payables Turnover
16.76 16.76 13.28 14.55 10.20
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 3.89 3.57 2.89
Asset Turnover
0.05 0.05 0.06 0.06 0.05
Working Capital Turnover Ratio
-0.20 -0.26 -0.08 -0.09 -0.07
Cash Conversion Cycle
2.57 2.57 26.10 21.34 17.58
Days of Sales Outstanding
24.35 24.35 53.59 46.42 53.38
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
21.78 21.78 27.49 25.08 35.80
Operating Cycle
24.35 24.35 53.59 46.42 53.38
Cash Flow Ratios
Operating Cash Flow Per Share
2.94 2.94 2.97 4.51 16.97
Free Cash Flow Per Share
2.67 2.77 2.83 4.08 16.75
CapEx Per Share
0.26 0.17 0.14 0.43 0.23
Free Cash Flow to Operating Cash Flow
0.91 0.94 0.95 0.90 0.99
Dividend Paid and CapEx Coverage Ratio
3.01 3.33 3.62 4.37 22.76
Capital Expenditure Coverage Ratio
11.18 17.61 21.20 10.43 75.24
Operating Cash Flow Coverage Ratio
0.57 0.57 0.56 0.45 1.62
Operating Cash Flow to Sales Ratio
0.18 0.18 0.18 0.28 1.34
Free Cash Flow Yield
5.15%4.96%5.50%10.24%46.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
22.30 24.15 20.71 15.51 13.67
Price-to-Sales (P/S) Ratio
3.14 3.37 3.13 2.49 2.86
Price-to-Book (P/B) Ratio
1.40 1.52 1.53 1.28 1.28
Price-to-Free Cash Flow (P/FCF) Ratio
19.41 20.14 18.17 9.77 2.16
Price-to-Operating Cash Flow Ratio
17.54 19.00 17.31 8.83 2.13
Price-to-Earnings Growth (PEG) Ratio
1.84 -7.52 -6.65 -5.85 -0.40
Price-to-Fair Value
1.40 1.52 1.53 1.28 1.28
Enterprise Value Multiple
17.55 20.16 10.73 9.72 8.02
Enterprise Value
2.83B 3.04B 1.73B 1.60B 1.38B
EV to EBITDA
17.55 20.16 10.73 9.72 8.02
EV to Sales
3.23 3.46 2.26 2.14 2.32
EV to Free Cash Flow
19.95 20.67 13.11 8.41 1.75
EV to Operating Cash Flow
18.17 19.50 12.49 7.60 1.73
Tangible Book Value Per Share
29.52 29.52 24.77 22.21 19.15
Shareholders’ Equity Per Share
36.71 36.71 33.60 31.10 28.13
Tax and Other Ratios
Effective Tax Rate
0.11 0.11 0.21 0.20 0.22
Revenue Per Share
16.54 16.54 16.43 16.01 12.66
Net Income Per Share
2.31 2.31 2.49 2.57 2.64
Tax Burden
0.89 0.89 0.79 0.80 0.78
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.27 0.27 0.24 0.27 0.35
Stock-Based Compensation to Revenue
0.03 0.02 0.01 0.01 0.02
Income Quality
0.97 1.27 1.20 1.76 6.42
Currency in USD