Fb Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Fb Financial (FBK) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Fb Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 684M vs -M combined for its competitors (100.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+1.1% annualized vs trailing 12 months).
- Scale: Fb Financial ranks #41 of 217 companies by market capitalization in the Regional Banks industry, holding 0.4% of industry market cap.
- Peer revenue share: Fb Financial accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.43M compares with $0.00M for the peer group (98.0x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FBK Sales vs. its Competitors, Q3 2026
Fb Financial generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
For context: the Regional Banks industry grew revenue 6.9% year over year, combined, vs 24.1% for Fb Financial. Fb Financial's share of combined industry revenue moved from 0.09% to 0.10%, a gain of 0.01 percentage points.
Fb Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Fb Financial Corporation | Yes | Yes | Yes | No |
| Competitors combined (2) | ||||
| High-Confidence Competitors (1) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FBK Stock Performance relative to its Competitors
FBK Stock Performance relative to High-Confidence Competitors
FBK Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Fb Financial's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Fb Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of Fb Financial Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Fb Financial Corporation |
2,764.27 | 684.38 |
 Bank Bradesco |
13,561.10 | 118.96 |
 Financial Institutions Inc |
800.63 | 243.46 |
| SUBTOTAL | 17,126.00 | 1,046.80 |
Sources: Fb Financial Corporation's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Fb Financial Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Fb Financial's Competitors Named by the Company
Competitive relationships identified from Fb Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Bancorp | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| State Bank Financial Corp | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| Franklin Financial Network Inc | Company report | 85% |
| Hopfed Bancorp Inc | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Metropolitan Bank Holding Corp | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Pathfinder Bancorp Inc | Company report | 85% |
| Rhinebeck Bancorp inc | Company report | 85% |
| Atlantic Capital Bancshares inc | Company report | 85% |
| Servisfirst Bancshares Inc | Company report | 85% |
| Connectone Bancorp Inc | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| First Farmers & Merchants Corp | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
| Beacon Federal Bancorp, Inc. | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Bancorpsouth Inc | Company report | 85% |
| Orange County Bancorp inc | Company report | 85% |
| Cullman Bancorp Inc | Company report | 85% |
| Peoples Financial Corporation | Company report | 85% |
| River Financial Corporation | Company report | 85% |
| Chemung Financial Corp | Company report | 85% |
| Tompkins Financial Corp | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Vsb Bancorp Inc | Company report | 85% |
| First Us Bancshares Inc | Company report | 85% |
| Amalgamated Financial Corp | Company report | 85% |
| Hanover Bancorp Inc | Company report | 85% |
| Ballston Spa Bancorp, Inc. | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Cornerstone Bancshares Inc | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Reliant Bancorp Inc | Company report | 85% |
| Auburn National Bancorporation Inc | Company report | 85% |
| Southern States Bancshares Inc | Company report | 85% |
| Community Trust Bancorp Inc | Company report | 85% |
| United Bancorporation Of Alabama Inc | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Bm Technologies Inc | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
| Commercial Bancgroup, Inc. | Company report | 85% |
| Pioneer Bancorp Inc | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| Sb One Bancorp | Company report | 85% |
| Century Bancorp Inc | Company report | 85% |
| Trustco Bank Corp Ny | Company report | 85% |
| Flushing Financial Corporation | Company report | 85% |
| Greene County Bancorp Inc | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Banctrust Financial Group Inc | Company report | 85% |
| Northeast Community Bancorp inc | Company report | 85% |
| Capstar Financial Holdings Inc | Company report | 85% |
| Pcsb Financial Corporation | Company report | 85% |
| Renasant Corp | Company report | 85% |
| Capital City Bank Group Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Fb Financial's named competitors require a Commercial License.
Methodology: relationships are extracted from Fb Financial reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Fb Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Fb Financial Corporation | 2,764 | 429,348 | 146,405 |
| Bank Bradesco | 13,561 | 1,449 | 52,215 |
| Financial Institutions Inc | 801 | 385,837 | 130,945 |
| PEERS TOTAL | 14,362 | 4,381 | 52,815 |
Fb Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Fb Financial's industry classification, broader than the peer set above. Market cap in millions of $.Fb Financial ranks #41 of 198 companies by market capitalization in its industry, holding 0.37 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 514, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 116,459 | 15.19 % |
| 2 | Deutsche Bank Aktiengesellschaft | 68,412 | 8.92 % |
| 3 | Fifth Third Bancorp | 50,350 | 6.57 % |
| 4 | State Street Corp | 47,587 | 6.21 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 41 | Fb Financial Corporation | 2,842 | 0.37 % |
Market cap and industry share for the rest of Fb Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-02.
Fb Financial's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 36 | First Interstate Bancsystem Inc | 3,749 | 21.22 % |
| 37 | Renasant Corp | 3,740 | 17.92 % |
| 38 | Seacoast Banking Corporation Of Florida | 3,307 | 9.58 % |
| 39 | First Hawaiian Inc | 3,145 | 4.59 % |
| 40 | Customers Bancorp Inc | 1,234 | 12.3% |
| 41 | Fb Financial Corporation | 2,842 | -0.50 % |
| 42 | Bank Of Hawaii Corporation | 1,234 | 12.3% |
| 43 | First Bancorp | 1,234 | 12.3% |
| 44 | Beacon Financial Corporation | 1,234 | 12.3% |
| 45 | First Busey Corporation | 1,234 | 12.3% |
| 46 | Stock Yards Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Fb Financial's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-02. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Fb Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (14 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 0.98 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 0.41 % | 1.85 % (avg) | -1.4 pp |
| Capital Intensity (Capex / Revenue) | 1.10 % | 6.41 % (avg) | -5.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Fb Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (14 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.1x | 14.4x | -0.3x |
| EV / EBITDA | 5.2x | 7.1x | -1.8x |
| P/B | 1.4x | 1.3x | +0.2x |
| Return on Equity | 0.10 % | industry aggregate | -0.84 % |
| Return on Invested Capital | - | 0.10 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Fb Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 11.33 % | 7.61 % | 29.68 % | 34.18 % | -17.63 % | -6.44 % | -6.66 % | 16.49 % |
| Operating Margin | 32.14 % | 30.91 % | 17.94 % | 39.42 % | 31.42 % | - | - | - |
| Return on Invested Capital | 7.21 % | 6.18 % | 3.38 % | 8.11 % | 1.90 % | 1.06 % | 1.02 % | 3.57 % |
| P/E | 14.2x | 14.5x | 22.4x | 11.3x | 14.8x | 12.9x | 21.1x | 22.6x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Fb Financial's BCG Growth-Share Matrix
Relative market share (vs Fb Financial's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Fb Financial falls in the Question Mark quadrant: relative market share of 0.02x vs its largest competitor, in an industry growing revenue 11.5% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Fb Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 514 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.10 % vs industry average 6.41 % (see Profitability & Cost Structure above) |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments. Supplier power and buyer power are not assessed here -- see Fb Financial's dedicated Suppliers and Customers pages for concentration data; threat of substitutes has no systematic data source in this system and is not estimated.
Fb Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Fb Financial falls in the Low attractiveness / Low strength cell: Harvest / Divest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Fb Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.02x).
Opportunities
- Industry revenue growing at a healthy 11.5% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Fb Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Fb Financial Corporation | 0.05 | 0.15 | 0.13 |
| Bank Bradesco | 90.31 | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Fb Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Fb Financial Corporation | Q3 2026 | +24.1 % | +157.5 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -42.8 % | +31.9 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Fb Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Fb Financial Corporation | Q3 2026 | -96.1 % | -33.1 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Fb Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Fb Financial Corporation | 1.40% | 1.40% | 11.98% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Fb Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Fb Financial Corporation | 12.03 | 4.04 |
| Bank Bradesco | 0.57 | 114.00 |
| Financial Institutions Inc | 9.82 | 3.29 |
| PEERS AVERAGE | 3.72 | 16.36 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.