$53.42

+1.33 (+2.55%)

Weekly Expected Move ±2.3%

$51 $52 $53 $55 $56

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 41 · $2.8B mcap · 49M float · 0.874% daily turnover · Short 57% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

42.7 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 8.1% · 5Y Avg: 8.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. FBK shows a Weak competitive edge (42.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 8.1% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$64

Avg Target

$64

High

Based on 6 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 1Buy: 9Hold: 4Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$64.33

Analysts6

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-01	Raymond James	—	Initiated	$63	—	+13.8%	$55.35
2026-06-24	Benchmark Co.	—	Initiated	$64	—	+17.0%	$54.68
2026-04-15	Cantor Fitzgerald	—	$66	$65	-1	+18.8%	$54.70
2026-01-22	Piper Sandler	—	$63	$65	+2	+7.0%	$60.75
2025-10-16	Cantor Fitzgerald	—	Initiated	$66	—	+16.1%	$56.86
2025-10-16	Piper Sandler	Stephen Scouten	$46	$63	+17	+10.8%	$56.86
2025-04-02	Stephens	Russell Gunther	$56	$58	+2	+23.5%	$46.97
2024-10-15	Stephens	Russell Gunther	$45	$56	+11	+16.9%	$47.91
2024-07-16	Piper Sandler	Stephen Scouten	$41	$46	+5	-0.5%	$46.23
2024-05-23	Stephens	Russell Gunther	Initiated	$45	—	+18.0%	$38.15
2024-04-16	Piper Sandler	Stephen Scouten	Initiated	$41	—	+13.4%	$36.15
2022-10-18	Truist Financial	Jennifer Demba	Initiated	$42	—	+5.6%	$39.76

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FBK receives an overall rating of A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-07-17	B-	B
2026-07-16	B	B-
2026-04-30	B+	B
2026-04-27	B	B+
2026-04-01	B-	B
2026-02-18	B	B-
2026-02-17	B-	B
2026-02-12	B	B-
2026-02-09	B-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 65 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. FBK scores highest in Momentum (95/100) and lowest in Balance Sheet (45/100). An overall grade of A+ places FBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.19

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓

Beneish M-Score

-2.22

Unlikely Manipulator

Ohlson O-Score

-5.72

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 72.8/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.31x

Accruals: -0.4%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. FBK scores 2.19, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FBK scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FBK's score of -2.22 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FBK's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FBK receives an estimated rating of A (score: 72.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FBK's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

14.21x

PEG

0.15x

P/S

2.66x

P/B

1.43x

P/FCF

12.95x

P/OCF

12.38x

EV/EBITDA

13.34x

EV/Revenue

3.36x

EV/EBIT

14.88x

EV/FCF

13.97x

Earnings Yield

6.15%

FCF Yield

7.72%

Shareholder Yield

9.39%

Graham Number

$53.58

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 14.2x earnings, FBK trades at a reasonable valuation. An earnings yield of 6.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $53.58 per share, suggesting a potential 0% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.849

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.226

EBIT / Rev

Asset Turnover

0.061

Rev / Assets

Equity Multiplier

8.459

Assets / Equity

ROE

10.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FBK's ROE of 10.0% is driven by financial leverage (equity multiplier: 8.46x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

8.21%

Fair P/E

24.92x

Intrinsic Value

$84.88

Price/Value

0.65x

Margin of Safety

34.79%

Premium

-34.79%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FBK's realized 8.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FBK trades at a -35% premium to its adjusted intrinsic value of $84.88, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 24.9x compares to the current market P/E of 14.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$53.41

Median 1Y

$53.34

5th Pctile

$28.36

95th Pctile

$99.92

Ann. Volatility

38.2%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Christopher T. Holmes President and Chief Executive Officer	$711,058	$1,830,028	$2,960,086
Michael M. Mettee Chief Financial Officer	$394,615	$450,054	$985,704
R. Wade Peery Chief Innovations Officer	$318,693	$382,516	$902,652
Travis K. Edmondson Chief Banking Officer	$347,981	$390,062	$879,846
Mark Hickman Human Human Resources Officer	$137,308	$400,000	$800,286

CEO Pay Ratio

19:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,960,086

Avg Employee Cost (SGA/emp): $154,210

Employees: 1,594

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,594

+7.0% YoY

Revenue / Employee

$550,713

Rev: $877,836,000

Profit / Employee

$76,927

NI: $122,622,000

SGA / Employee

$154,210

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
ROE	12.5%	14.1%	14.0%	12.7%	11.0%	10.1%	9.0%	9.1%	10.5%	9.7%	8.6%	7.8%	8.1%	7.3%	7.7%	8.3%	5.8%	7.8%	8.9%	10.0%	9.95%
ROA	1.4%	1.6%	1.6%	1.4%	1.2%	1.1%	1.0%	1.0%	1.1%	1.0%	0.9%	0.9%	0.9%	0.8%	0.9%	1.0%	0.7%	0.9%	1.1%	1.2%	1.18%
ROIC	-9.4%	-16.6%	-11.3%	-10.1%	-20.3%	1.5%	-26.7%	-12.9%	-20.6%	-32.3%	55.3%	-33.9%	-43.5%	-17.4%	1.6%	28.8%	19.1%	7.6%	7.5%	8.1%	8.14%
ROCE	11.0%	14.7%	14.0%	13.9%	12.3%	8.4%	8.1%	9.2%	9.8%	9.8%	7.9%	6.8%	7.0%	6.8%	7.8%	8.3%	5.2%	1.0%	1.1%	1.2%	1.24%
Gross Margin	1.0%	96.4%	1.0%	98.0%	85.8%	81.2%	77.8%	69.2%	65.2%	58.3%	61.1%	57.8%	62.1%	51.8%	59.6%	63.3%	48.5%	67.2%	67.3%	64.5%	64.51%
Operating Margin	39.0%	35.3%	41.8%	32.6%	18.2%	27.0%	29.2%	25.2%	23.3%	12.7%	18.9%	18.7%	25.1%	6.7%	23.8%	24.1%	-6.6%	26.4%	29.5%	28.7%	28.66%
Net Margin	29.7%	29.1%	32.5%	25.8%	13.5%	21.1%	23.1%	19.9%	18.2%	10.5%	15.4%	15.2%	19.7%	6.0%	18.0%	19.4%	2.0%	21.6%	22.9%	23.0%	22.98%
EBITDA Margin	41.4%	37.6%	44.0%	35.0%	20.4%	29.1%	31.0%	27.0%	25.0%	14.7%	21.3%	20.6%	26.9%	9.1%	25.6%	25.8%	-4.2%	30.5%	31.4%	30.6%	30.58%
FCF Margin	-29.9%	-27.5%	8.0%	86.8%	1.1%	1.4%	1.3%	90.3%	50.2%	22.3%	25.5%	18.2%	21.1%	24.2%	17.3%	10.1%	16.4%	14.4%	14.5%	24.1%	24.06%
OCF Margin	-29.6%	-26.2%	8.9%	87.6%	1.1%	1.4%	1.3%	93.3%	53.0%	25.2%	28.2%	19.9%	22.6%	25.3%	18.1%	11.0%	17.4%	16.0%	16.1%	25.2%	25.16%
ROE 3Y Avg	snapshot only																				8.20%
ROE 5Y Avg	snapshot only																				9.26%
ROA 3Y Avg	snapshot only																				0.97%
ROIC 3Y Avg	snapshot only																				6.88%
ROIC Economic	snapshot only																				7.69%
Cash ROA	snapshot only																				1.38%
Cash ROIC	snapshot only																				10.69%
CROIC	snapshot only																				10.22%
NOPAT Margin	snapshot only																				19.17%
Pretax Margin	snapshot only																				22.58%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.56%
SBC / Revenue	snapshot only																				2.12%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	12.29	10.31	10.36	11.57	11.77	12.59	12.98	11.04	8.90	9.93	15.07	15.41	15.35	20.05	20.49	16.91	22.97	21.60	17.30	16.25	14.207
P/S Ratio	2.52	3.01	3.21	3.39	2.99	2.93	2.71	2.16	1.82	1.77	2.42	2.30	2.36	2.89	3.10	2.74	2.84	3.59	3.13	3.12	2.661
P/B Ratio	1.22	1.38	1.38	1.45	1.33	1.33	1.22	1.01	0.91	0.93	1.25	1.16	1.19	1.38	1.52	1.35	1.29	1.52	1.37	1.48	1.426
P/FCF	-8.41	-10.91	40.41	3.91	2.69	2.05	2.08	2.39	3.63	7.95	9.49	12.61	11.18	11.95	17.98	27.11	17.38	24.91	21.59	12.95	12.949
P/OCF	—	—	35.92	3.88	2.66	2.03	2.05	2.31	3.43	7.03	8.58	11.56	10.43	11.40	17.13	25.04	16.32	22.39	19.49	12.38	12.381
EV/EBITDA	-6.07	-2.38	-4.48	-4.70	-1.49	2.73	-1.02	-5.53	-4.21	-2.79	3.48	-0.56	0.12	-0.17	5.45	5.66	8.15	15.67	13.73	13.34	13.338
EV/Revenue	-1.74	-0.94	-1.88	-1.86	-0.51	0.88	-0.30	-1.49	-1.17	-0.68	0.77	-0.12	0.03	-0.03	1.15	1.27	1.29	3.43	3.26	3.36	3.361
EV/EBIT	-6.54	-2.52	-4.73	-4.99	-1.60	2.94	-1.10	-5.96	-4.51	-3.02	3.82	-0.63	0.13	-0.19	6.00	6.17	9.33	17.77	15.43	14.88	14.883
EV/FCF	5.81	3.40	-23.59	-2.14	-0.46	0.61	-0.23	-1.65	-2.34	-3.04	3.01	-0.64	0.12	-0.14	6.66	12.52	7.86	23.76	22.48	13.97	13.969
Earnings Yield	8.1%	9.7%	9.7%	8.6%	8.5%	7.9%	7.7%	9.1%	11.2%	10.1%	6.6%	6.5%	6.5%	5.0%	4.9%	5.9%	4.4%	4.6%	5.8%	6.2%	6.15%
FCF Yield	-11.9%	-9.2%	2.5%	25.6%	37.2%	48.9%	48.2%	41.8%	27.6%	12.6%	10.5%	7.9%	8.9%	8.4%	5.6%	3.7%	5.8%	4.0%	4.6%	7.7%	7.72%
PEG Ratio	snapshot only																				0.150
Price/Tangible Book	snapshot only																				1.836
EV/OCF	snapshot only																				13.356
EV/Gross Profit	snapshot only																				5.296
Acquirers Multiple	snapshot only																				14.883
Shareholder Yield	snapshot only																				9.39%
Graham Number	snapshot only																				$53.58

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.30	0.27	0.32	0.30	0.22	0.20	0.22	0.24	0.23	0.20	0.17	0.22	0.21	0.23	0.17	0.13	0.12	36.81	12.60	15.76	15.764
Quick Ratio	0.30	0.27	0.32	0.30	0.22	0.20	0.22	0.24	0.23	0.20	0.17	0.22	0.21	0.23	0.17	0.13	0.12	36.81	12.60	15.76	15.764
Debt/Equity	0.17	0.16	0.16	0.15	0.16	0.62	0.37	0.28	0.33	0.21	0.32	0.29	0.28	0.15	0.16	0.14	0.14	0.14	0.14	0.19	0.192
Net Debt/Equity	-2.06	-1.81	-2.18	-2.24	-1.55	-0.93	-1.35	-1.71	-1.50	-1.29	-0.85	-1.22	-1.18	-1.40	-0.95	-0.72	-0.71	-0.07	0.06	0.12	0.116
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.06	0.04	0.03	0.04	0.02	0.04	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.022
Debt/EBITDA	1.23	0.88	0.88	0.86	1.02	4.24	2.87	2.19	2.37	1.67	2.84	2.77	2.65	1.63	1.53	1.30	1.94	1.52	1.32	1.61	1.609
Net Debt/EBITDA	-14.87	-9.99	-12.15	-13.28	-10.16	-6.36	-10.41	-13.52	-10.75	-10.09	-7.49	-11.77	-11.07	-14.70	-9.26	-6.59	-9.87	-0.76	0.55	0.97	0.974
Interest Coverage	3.73	5.54	6.46	6.77	6.15	4.40	2.31	1.36	1.01	0.69	0.55	0.47	0.48	0.43	0.47	0.53	0.33	0.52	0.60	0.66	0.656
Equity Multiplier	8.69	8.43	8.79	9.19	9.24	9.57	9.69	9.57	9.29	9.10	8.66	8.48	8.35	8.27	8.39	8.20	8.29	8.37	8.34	8.67	8.673
Cash Ratio	snapshot only																				11.261
Debt Service Coverage	snapshot only																				0.732
Cash to Debt	snapshot only																				0.395
FCF to Debt	snapshot only																				0.593
Defensive Interval	snapshot only																				200.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.07	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	19.34	14.50	14.93	14.10	14.21	14.46	14.16	15.33	16.24	16.41	15.22	15.26	15.52	14.71	14.98	14.99	14.15	14.89	15.83	16.69	16.691
Payables Turnover	—	—	-0.68	—	—	—	14.93	—	—	—	19.94	—	—	—	14.94	—	—	29.89	26.42	—	—
DSO	19	25	24	26	26	25	26	24	22	22	24	24	24	25	24	24	26	25	23	22	21.9 days
DIO	0	0	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	—	0	0	0	24	0	0	0	18	0	0	0	24	0	0	12	14	0	—
Cash Conversion Cycle	19	25	—	26	26	25	1	24	22	22	6	24	24	25	-0	24	26	12	9	22	—
Fixed Asset Turnover	snapshot only																				4.036
Cash Velocity	snapshot only																				6.247
Capital Intensity	snapshot only																				18.286

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue	39.0%	17.8%	-0.5%	-11.6%	-11.8%	-9.4%	-2.8%	9.2%	18.2%	24.5%	25.6%	16.7%	9.5%	3.0%	2.3%	4.8%	-3.8%	10.6%	13.0%	16.9%	16.94%
Net Income	96.9%	3.7%	2.0%	49.2%	9.2%	-27.7%	-34.5%	-27.2%	-4.7%	-4.6%	-3.5%	-11.1%	-17.8%	-16.7%	-3.5%	14.0%	-22.4%	27.5%	35.1%	38.1%	38.15%
EPS	33.4%	3.0%	2.0%	49.9%	11.0%	-26.2%	-33.3%	-25.7%	-3.9%	-4.3%	-3.2%	-11.5%	-17.8%	-16.6%	-3.4%	13.9%	-21.3%	12.5%	21.3%	25.7%	25.67%
FCF	-1.4%	-1.6%	1.2%	2.5%	4.3%	5.7%	15.0%	13.6%	-46.5%	-80.6%	-75.5%	-76.5%	-54.0%	11.9%	-30.7%	-41.8%	-25.2%	-34.1%	-5.0%	1.8%	1.78%
EBITDA	88.6%	3.1%	1.7%	42.7%	6.1%	-26.0%	-33.0%	-25.4%	-4.4%	-6.2%	-4.1%	-11.5%	-17.2%	-15.6%	-2.1%	14.5%	-27.9%	21.5%	27.3%	31.5%	31.52%
Op. Income	95.8%	3.7%	1.9%	46.0%	6.8%	-27.2%	-34.3%	-26.5%	-4.4%	-6.7%	-5.8%	-14.1%	-20.0%	-18.5%	-2.4%	16.5%	-30.2%	20.1%	24.8%	28.6%	28.61%
OCF Growth	snapshot only																				1.68%
Asset Growth	snapshot only																				27.86%
Equity Growth	snapshot only																				20.88%
Debt Growth	snapshot only																				63.27%
Shares Change	snapshot only																				9.93%
Dividend Growth	snapshot only																				12.87%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	22.5%	19.9%	18.3%	16.0%	14.8%	13.2%	12.6%	13.8%	13.2%	10.0%	6.7%	4.0%	4.5%	5.1%	7.7%	10.1%	7.6%	12.4%	13.3%	12.7%	12.66%
Revenue 5Y	—	54.0%	35.0%	24.0%	16.8%	15.6%	13.9%	13.9%	13.9%	14.2%	15.1%	14.7%	14.4%	13.2%	12.9%	12.5%	8.8%	8.7%	7.0%	6.7%	6.65%
EPS 3Y	6.6%	12.3%	15.8%	12.3%	8.2%	4.5%	-0.2%	9.5%	12.5%	41.4%	24.4%	-0.5%	-4.3%	-16.1%	-14.6%	-9.2%	-14.7%	-3.5%	4.3%	8.2%	8.21%
EPS 5Y	—	1.3%	57.0%	34.8%	21.6%	18.1%	9.5%	6.2%	5.3%	0.0%	0.0%	-1.4%	0.0%	-1.9%	-1.4%	5.8%	-1.7%	21.5%	17.7%	7.1%	7.14%
Net Income 3Y	23.0%	29.5%	33.4%	29.2%	24.7%	19.5%	14.1%	24.6%	27.0%	48.3%	23.6%	-1.2%	-5.1%	-16.9%	-15.2%	-9.6%	-15.3%	0.5%	8.0%	11.9%	11.89%
Net Income 5Y	—	1.7%	79.5%	53.9%	36.6%	28.6%	18.9%	15.0%	14.1%	8.4%	8.4%	6.9%	8.7%	6.3%	6.7%	14.4%	5.5%	28.2%	19.8%	8.7%	8.75%
EBITDA 3Y	22.6%	28.8%	31.4%	27.0%	22.7%	18.1%	13.1%	22.2%	24.1%	41.5%	20.3%	-2.0%	-5.7%	-16.3%	-14.3%	-8.9%	-17.1%	-1.3%	6.1%	10.0%	10.05%
EBITDA 5Y	—	65.7%	46.8%	33.8%	22.5%	22.6%	16.6%	13.9%	13.3%	8.2%	7.8%	6.2%	7.9%	5.5%	6.3%	13.1%	2.7%	23.8%	16.8%	7.2%	7.25%
Gross Profit 3Y	20.9%	23.2%	23.3%	21.4%	19.1%	16.1%	12.7%	13.4%	11.4%	8.6%	1.1%	-6.3%	-8.4%	-11.6%	-10.3%	-7.3%	-9.7%	-1.9%	2.5%	5.2%	5.20%
Gross Profit 5Y	—	54.6%	36.0%	24.8%	16.5%	14.4%	11.4%	9.7%	8.5%	7.6%	7.6%	6.7%	6.5%	5.0%	4.7%	6.4%	2.5%	5.7%	3.5%	1.0%	1.05%
Op. Income 3Y	22.7%	29.3%	31.9%	27.3%	23.0%	18.4%	13.4%	23.9%	26.0%	47.4%	22.2%	-2.7%	-6.5%	-17.9%	-15.5%	-9.7%	-18.9%	-3.0%	4.7%	8.8%	8.78%
Op. Income 5Y	—	71.8%	52.2%	37.3%	24.6%	23.9%	16.8%	14.0%	13.5%	8.0%	7.3%	5.5%	7.3%	4.8%	6.0%	13.7%	2.2%	25.6%	17.3%	6.7%	6.68%
FCF 3Y	—	—	-37.7%	39.9%	77.8%	1.6%	1.4%	—	—	—	—	—	—	—	39.4%	-46.2%	-43.1%	-47.7%	-45.6%	-27.5%	-27.51%
FCF 5Y	—	—	—	—	—	1.1%	87.8%	—	54.2%	5.2%	-1.1%	-6.0%	6.7%	29.4%	18.3%	—	—	—	—	—	—
OCF 3Y	—	—	-36.3%	37.8%	76.2%	1.5%	1.3%	—	—	—	—	—	—	—	36.2%	-44.9%	-42.2%	-46.0%	-43.9%	-27.2%	-27.22%
OCF 5Y	—	—	—	—	—	1.0%	83.6%	—	49.5%	6.1%	-0.1%	-5.4%	7.3%	27.9%	16.8%	—	—	—	—	—	—
Assets 3Y	34.3%	32.7%	34.9%	33.4%	27.1%	26.3%	28.0%	25.3%	21.1%	4.3%	4.0%	1.7%	1.7%	3.0%	1.5%	1.2%	3.1%	10.0%	8.6%	8.6%	8.63%
Assets 5Y	—	29.9%	30.9%	32.0%	29.5%	21.8%	22.1%	22.6%	21.2%	19.8%	19.7%	18.7%	16.1%	16.2%	16.5%	14.6%	13.0%	8.2%	8.0%	7.1%	7.07%
Equity 3Y	29.5%	29.3%	28.7%	25.7%	22.5%	19.8%	20.2%	20.5%	19.9%	3.3%	4.1%	3.6%	3.0%	3.7%	3.0%	5.1%	6.9%	15.0%	14.2%	12.2%	12.24%
Book Value 3Y	12.3%	12.1%	11.7%	9.3%	6.3%	4.8%	5.2%	5.9%	6.1%	-1.5%	4.7%	4.3%	3.9%	4.6%	3.8%	5.6%	7.7%	10.4%	10.3%	8.5%	8.55%
Dividend 3Y	4.6%	1.0%	-1.4%	-5.0%	-7.9%	-7.3%	-7.7%	-7.7%	-7.1%	-0.2%	5.3%	5.4%	5.4%	5.3%	5.0%	4.5%	4.5%	0.8%	3.0%	3.9%	3.93%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.88	0.98	0.95	0.88	0.86	0.87	0.81	0.77	0.84	0.87	0.82	0.78	0.83	0.86	0.93	0.99	0.90	0.91	0.80	0.76	0.756
Earnings Stability	0.75	0.59	0.69	0.85	0.85	0.48	0.49	0.65	0.77	0.30	0.27	0.32	0.45	0.14	0.11	0.15	0.00	0.07	0.09	0.08	0.081
Margin Stability	0.92	0.87	0.88	0.90	0.91	0.87	0.89	0.89	0.88	0.83	0.83	0.83	0.82	0.79	0.78	0.78	0.79	0.81	0.84	0.84	0.843
Rev. Growth Consistency	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.00	0.50	0.50	1.00	1.000
FCF Positive Streak	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.80	0.96	0.89	0.86	0.89	0.98	0.98	0.99	0.96	0.93	0.93	0.99	0.94	0.91	0.89	0.86	0.85	0.847
Earnings Smoothness	0.35	0.00	0.00	0.61	0.91	0.68	0.58	0.69	0.95	0.95	0.96	0.88	0.80	0.82	0.96	0.87	0.75	0.76	0.70	0.68	0.680
ROE Trend	0.00	0.06	0.05	0.04	0.02	0.02	0.00	-0.01	-0.00	-0.03	-0.03	-0.03	-0.03	-0.03	-0.01	-0.00	-0.03	-0.01	0.00	0.01	0.013
Gross Margin Trend	0.08	0.21	0.21	0.19	0.13	0.08	-0.02	-0.14	-0.20	-0.28	-0.29	-0.28	-0.24	-0.21	-0.16	-0.10	-0.10	-0.02	0.02	0.03	0.034
FCF Margin Trend	-0.36	-0.28	0.23	1.22	1.34	1.63	1.49	0.73	0.10	-0.36	-0.44	-0.70	-0.59	-0.59	-0.61	-0.44	-0.19	-0.09	-0.07	0.10	0.099
Sustainable Growth Rate	10.8%	12.6%	12.4%	11.1%	9.4%	8.3%	7.3%	7.3%	8.5%	7.7%	6.6%	5.8%	6.0%	5.2%	5.6%	6.2%	3.7%	5.8%	6.7%	7.7%	7.66%
Internal Growth Rate	1.2%	1.5%	1.4%	1.2%	1.1%	0.9%	0.8%	0.8%	0.9%	0.8%	0.7%	0.6%	0.7%	0.6%	0.7%	0.7%	0.4%	0.7%	0.8%	0.9%	0.91%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	-1.44	-0.90	0.29	2.98	4.43	6.21	6.34	4.77	2.59	1.41	1.76	1.33	1.47	1.76	1.20	0.68	1.41	0.96	0.89	1.31	1.313
FCF/OCF	1.01	1.05	0.89	0.99	0.99	0.99	0.99	0.97	0.95	0.88	0.90	0.92	0.93	0.95	0.95	0.92	0.94	0.90	0.90	0.96	0.956
FCF/Net Income	snapshot only																				1.255
OCF/EBITDA	snapshot only																				0.999
CapEx/Revenue	0.3%	1.3%	1.0%	0.8%	1.4%	1.2%	1.8%	3.0%	2.9%	2.9%	2.7%	1.7%	1.5%	1.2%	0.9%	0.8%	1.1%	1.6%	1.6%	1.1%	1.10%
CapEx/Depreciation	snapshot only																				0.422
Accruals Ratio	0.03	0.03	0.01	-0.03	-0.04	-0.06	-0.05	-0.04	-0.02	-0.00	-0.01	-0.00	-0.00	-0.01	-0.00	0.00	-0.00	0.00	0.00	-0.00	-0.004
Sloan Accruals	snapshot only																				0.664
Cash Flow Adequacy	snapshot only																				4.560
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.1%	1.0%	1.1%	1.1%	1.3%	1.4%	1.5%	1.8%	2.1%	2.1%	1.5%	1.7%	1.7%	1.4%	1.3%	1.5%	1.6%	1.2%	1.4%	1.4%	1.54%
Dividend/Share	$0.40	$0.41	$0.44	$0.46	$0.48	$0.50	$0.52	$0.54	$0.56	$0.58	$0.60	$0.62	$0.64	$0.66	$0.68	$0.69	$0.72	$0.67	$0.74	$0.78	$0.82
Payout Ratio	14.0%	10.6%	11.0%	12.6%	15.3%	17.5%	19.7%	20.1%	18.5%	21.0%	23.3%	26.0%	25.7%	28.7%	27.4%	25.6%	37.0%	26.0%	24.6%	23.0%	23.03%
FCF Payout Ratio	—	—	42.8%	4.3%	3.5%	2.8%	3.1%	4.4%	7.5%	16.8%	14.7%	21.3%	18.7%	17.1%	24.0%	41.1%	28.0%	30.0%	30.7%	18.4%	18.35%
Total Payout Ratio	14.0%	10.8%	15.0%	20.6%	42.4%	47.0%	51.8%	50.9%	27.1%	30.5%	27.4%	26.0%	36.6%	40.5%	38.3%	43.4%	85.8%	1.2%	1.2%	1.5%	1.53%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.77	0.59	0.47	0.32	0.21	0.21	0.19	0.18	0.18	0.17	0.16	0.16	0.16	0.15	0.15	0.14	0.13	0.17	0.23	0.25	0.255
Buyback Yield	0.0%	0.0%	0.4%	0.7%	2.3%	2.3%	2.5%	2.8%	1.0%	1.0%	0.3%	0.0%	0.7%	0.6%	0.5%	1.0%	2.1%	4.5%	5.7%	8.0%	7.98%
Net Buyback Yield	-0.1%	-0.1%	0.3%	0.6%	2.2%	2.3%	2.4%	2.7%	0.9%	0.9%	0.2%	-0.0%	0.7%	0.5%	0.5%	1.0%	2.1%	4.4%	5.6%	8.0%	7.96%
Total Shareholder Return	1.1%	1.0%	1.4%	1.7%	3.5%	3.7%	3.9%	4.6%	3.0%	3.0%	1.8%	1.6%	2.3%	2.0%	1.8%	2.5%	3.7%	5.6%	7.1%	9.4%	9.37%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.77	0.78	0.78	0.79	0.79	0.78	0.78	0.78	0.79	0.79	0.80	0.81	0.81	0.81	0.79	0.79	0.90	0.86	0.86	0.85	0.849
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.27	0.37	0.40	0.37	0.32	0.30	0.27	0.25	0.26	0.22	0.20	0.18	0.19	0.18	0.19	0.21	0.14	0.19	0.21	0.23	0.226
Asset Turnover	0.07	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Equity Multiplier	8.81	8.62	8.74	9.08	8.96	8.97	9.23	9.37	9.27	9.32	9.15	9.00	8.80	8.66	8.52	8.34	8.32	8.32	8.37	8.46	8.459

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$2.84	$3.90	$3.97	$3.62	$3.15	$2.88	$2.65	$2.69	$3.03	$2.75	$2.56	$2.38	$2.49	$2.30	$2.48	$2.71	$1.96	$2.58	$3.00	$3.41	$3.41
Book Value/Share	$28.58	$29.18	$29.91	$28.91	$27.96	$27.24	$28.18	$29.29	$29.63	$29.30	$31.01	$31.48	$32.03	$33.38	$33.45	$34.07	$34.89	$36.71	$37.81	$37.46	$37.46
Tangible Book/Share	$21.00	$21.45	$22.08	$20.47	$19.15	$18.16	$19.18	$20.33	$20.67	$20.23	$22.14	$22.63	$23.19	$24.70	$24.66	$25.47	$26.22	$29.52	$30.54	$30.15	$30.15
Revenue/Share	$13.84	$13.37	$12.80	$12.33	$12.41	$12.36	$12.67	$13.74	$14.80	$15.45	$15.96	$15.95	$16.20	$15.94	$16.35	$16.70	$15.81	$15.54	$16.59	$17.77	$20.01
FCF/Share	$-4.14	$-3.68	$1.02	$10.70	$13.77	$17.71	$16.55	$12.40	$7.42	$3.44	$4.07	$2.91	$3.41	$3.85	$2.82	$1.69	$2.59	$2.24	$2.41	$4.27	$3.83
OCF/Share	$-4.10	$-3.51	$1.15	$10.80	$13.94	$17.85	$16.78	$12.82	$7.85	$3.89	$4.50	$3.17	$3.66	$4.04	$2.96	$1.83	$2.76	$2.49	$2.67	$4.47	$4.01
Cash/Share	$63.80	$57.32	$69.90	$68.98	$47.82	$42.22	$48.64	$58.31	$54.07	$44.11	$36.36	$47.55	$46.78	$51.76	$37.20	$29.51	$29.47	$7.72	$3.06	$2.84	$2.84
EBITDA/Share	$3.96	$5.27	$5.36	$4.88	$4.28	$3.98	$3.66	$3.71	$4.12	$3.75	$3.52	$3.27	$3.41	$3.17	$3.45	$3.74	$2.49	$3.40	$3.94	$4.48	$4.48
Debt/Share	$4.88	$4.62	$4.73	$4.22	$4.37	$16.88	$10.52	$8.11	$9.78	$6.28	$9.98	$9.05	$9.03	$5.16	$5.26	$4.85	$4.85	$5.15	$5.22	$7.20	$7.20
Net Debt/Share	$-58.92	$-52.70	$-65.17	$-64.76	$-43.45	$-25.34	$-38.11	$-50.20	$-44.30	$-37.83	$-26.38	$-38.50	$-37.75	$-46.59	$-31.94	$-24.66	$-24.63	$-2.57	$2.15	$4.36	$4.36

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.190
Altman Z-Prime	snapshot only																				0.543
Piotroski F-Score	6	6	6	7	6	4	4	5	6	6	6	4	5	7	6	6	5	6	7	7	7
Beneish M-Score	-1.88	-2.65	-2.01	-2.70	-2.54	-2.62	-2.54	-2.15	-2.18	-2.04	-2.25	-2.19	-2.29	-2.36	-2.28	-2.49	-2.31	-2.26	-2.79	-2.22	-2.218
Ohlson O-Score	snapshot only																				-5.716
ROIC (Greenblatt)	snapshot only																				49.34%
Net-Net WC	snapshot only																				$-283.47
EVA	snapshot only																				$-40110000.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A
Credit Score	62.68	63.18	70.29	88.23	82.12	80.23	77.03	77.60	81.67	79.35	73.36	70.46	73.98	81.57	74.67	74.16	74.36	68.92	74.14	72.78	72.780
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				-1.377
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				72
Sector Credit Rank	snapshot only																				63

FBK NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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