FB Financial Corporation (FBK) Fair Value 2026

FBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-28, FB Financial Corporation (FBK) trades at $57.85, versus a $66.37 median fair value across its 5 active models — 14.7% above the current price. QOC: 8.2/10. Value Trap Risk: 15/100 (SAFE). 5/13 models active.

Key Facts

Ticker
FBK
Price
$57.85
Quality Score
8.2/10
Value Trap Risk
15/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +58.1% upside with 56% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is FB Financial Corporation (FBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, FB Financial Corporation (FBK) appears undervalued as of : the median of 5 independent fair value estimates is $66.37, 14.7% above the current price of $57.85. Estimates range from $35.98 to $91.48. FBK scores 8.2/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. FBK’s +14.7% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy FB Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give FBK?

5 Intrinsic Value Models vs. Current Price ($57.85)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $66.37 +14.7%
Intrinsic · High Conviction
 $91.48 +58.1%
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What Is FBK's Fair Value Range?

Spread across 5 independent models · $35.98 to $91.48

CirclFi's 5 active models place FB Financial Corporation (FBK) between $35.98 and $91.48 per share, a spread of 84% of the median. The median of that range — $66.37 — is the fair value CirclFi publishes for FBK, against a current price of $57.85.

Low · ML-RIVHigh · Markov DDM
$35.98median $66.37$91.48
Where the range comes from
Most bearish modelML Residual Income$35.98
Most bullish modelMarkov DDM$91.48
Model agreement3 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on FBK, not a CirclFi price target. How each model works →

What Is FB Financial Corporation (FBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, FB Financial Corporation's intrinsic value is estimated at a median fair value of $66.37. While the stock appears modestly undervalued at $57.85 (implied upside of +14.7%), our analysis suggests a thinner margin of safety across 3 of 5 bullish models. Notably, Markov DDM sees the most upside at +58.1% (fair value: $91.48), while ML-RIV is the most conservative at -37.8% ($35.98). The spread between these extremes — +95.9% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About FBK?

5 of 13 models are currently active for FBK. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for FBK is $66.37 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, FBK ranks #126 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places FBK in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, FB Financial Corporation competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is FBK a Value Trap?

CirclFi's Value Trap algorithm assigns FBK a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for FB Financial Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, FB Financial Corporation's fundamental quality profile registers 8.2/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +95.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FBK's 5 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy FB Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

IFSIntercorp Financial Services Inc.QOC 8.2FMAOFarmers & Merchants Bancorp, Inc.QOC 8.2NBBKNB Bancorp, Inc.QOC 8.2NWBINorthwest Bancshares, Inc.QOC 8.2PNCThe PNC Financial Services Group, Inc.QOC 8.2CPFCentral Pacific Financial Corp.QOC 8.2PBProsperity Bancshares, Inc.QOC 7.8CFFNCapitol Federal Financial, Inc.QOC 7.0EWBCEast West Bancorp, Inc.QOC 8.6STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: IFS · FMAO · NBBK · NWBI · PNC · CPF · PB · CFFN · EWBC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to FBK?

5 companies across all industries closest to FBK’s Quality of Company score of 8.2/10.

CNXCNX Resources CorporationQOC 8.2XYFX FinancialQOC 8.2NATRNature's Sunshine Products, Inc.QOC 8.2GATXGATX CorporationQOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CNX · XYF · NATR · GATX · NVDA

Where Does FBK Sit in CirclFi's Banks - Regional Rankings?

FBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About FB Financial Corporation’s Valuation?

What is FB Financial Corporation's intrinsic value in 2026?

CirclFi puts FB Financial Corporation (FBK)'s intrinsic value at $66.37 — the median of 5 independent model estimates as of 2026-08-28, ranging from $35.98 to $91.48. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FBK overvalued or undervalued right now?

At $57.85, 3 of 5 active models suggest FBK may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $66.37, 14.7% above the current price of $57.85 — a consensus view that FBK is undervalued. The assessment depends on which methodology best fits FB Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for FBK?

FB Financial Corporation's QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FBK?

CirclFi analyzes FBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FBK?

Of the 5 models currently active on FBK, Markov DDM is the most bullish at $91.48 per share, and ML Residual Income is the most bearish at $35.98. CirclFi's published fair value for FBK is the median of that range, $66.37, not either extreme. The gap between the two ends equals 84% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is FBK a value trap in 2026?

FB Financial Corporation's Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, FB Financial Corporation (FBK) has a median fair value of $66.37 — 14.7% above the current price of $57.85 — as of 2026-08-28.” Source: circlfi.com/stock/FBK/ · Methodology
Primary sources for this FBK valuation
  • Financial statements: FB Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001649749) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FBK as of ; valuations recomputed .

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