Fb Financial Intrinsic Value Calculation – FB Financial Reports Surprising Q1 Earnings Despite Revenue Miss

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FB ($NYSE:FBK) Financial (FBK) recently released their first quarter financial reports, which revealed surprising earnings despite missing revenue expectations. The financial services company reported a non-GAAP EPS of $0.76, exceeding the consensus forecast by $0.04. On the other hand, the reported revenue of $127.21M fell short of the expected figure by $4.02M. FB Financial is a financial services company headquartered in Nashville, Tennessee, offering consumer banking services such as mortgage loans, home equity products, and personal deposit accounts. It also offers capital markets and trust services to high-net-worth individuals and institutions.

Stock Price

The stock opened at $30.0 and closed at $30.5, up 1.2% from its last closing price of $30.1. Live Quote…

About the Company

Income Snapshot

Below shows the total revenue, net income and net margin for Fb Financial. More…

Cash Flow Snapshot

Below shows the cash from operations, investing and financing for Fb Financial. More…

Balance Sheet Snapshot

Below shows the total assets, liabilities and book value per share for Fb Financial. More…

Key Ratios Snapshot

Some of the financial key ratios for Fb Financial are shown below. More…

Analysis – Fb Financial Intrinsic Value Calculation

GoodWhale has conducted an analysis of FB FINANCIAL‘s wellbeing and the results of our study are now available. After reviewing FB FINANCIAL’s financials, we determined that the fair value of a FB FINANCIAL share is around $35.1, which was calculated by our proprietary Valuation Line. The current market price for a FB FINANCIAL share is $30.5, which is undervalued by 13.1%. This gives those who are interested in FB FINANCIAL an opportunity to make a favorable investment at a great price. More…

Peers

The company operates through three segments: Retail Banking, Commercial Banking, and Mortgage Banking. The Retail Banking segment offers deposit products, such as checking, savings, and money market accounts, as well as consumer and commercial loans. The Commercial Banking segment provides loans to small and medium-sized businesses, and the Mortgage Banking segment offers residential mortgage loans. FB Financial Corp competes with Bank Of Idaho Holding Co, Fcn Banc Corp, Third Century Bancorp.

– Bank Of Idaho Holding Co ($OTCPK:BOID)

Bank of Idaho Holding Company is a bank holding company headquartered in Idaho Falls, Idaho. The company operates through its subsidiary, Bank of Idaho. Bank of Idaho is a full-service community bank offering personal and business banking products and services in Idaho. The company was founded in 1915 and has assets of approximately $1.3 billion.

– Fcn Banc Corp ($OTCPK:FBVI)

As of 2022, Three Century Bancorp has a market cap of 7.19M. The company is a bank holding company that operates through its subsidiary, Three Century Bank. The Bank offers a range of commercial and personal banking services to customers in central and southern California.

Summary

The company reported earnings per share (EPS) of $0.76, which beat analyst estimates by $0.04.

However, revenue of $127.21M missed estimates by $4.02M. The company’s total revenue was down year-over-year, and its operating margin was lower than expected. Analysts are concerned about the company’s declining margins, as well as the impact of the ongoing pandemic on the business.

In addition, some investors are worried about the company’s long-term prospects, given the competitive landscape in the financial services sector. Despite these challenges, analysts remain cautiously optimistic about FB Financial‘s future, given its strong balance sheet and potential for growth. Investors should closely monitor the company’s earnings reports over the next few quarters to gauge its performance and determine if it is a good long-term investment.