FB Financial Corporation — Earnings Quality Grade A
FBK · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 38 days, change -2 days YoY
AR growth 18.0% vs revenue growth 23.2%
Revenue 23.2%, CFFO 12.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 35.2% vs revenue 23.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.27. Profits backed by cash
FCF $0.1B, FCF/NI = 1.20
Accruals ratio = -0.2%. Low accruals
Cash $0.9B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.5B = 27% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 29% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
FB Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25