DDM Analysis: FBK

Valuation Snapshot

Stable Growth	$53.19 - $153.04	$83.33
Multi-Stage	$35.93 - $39.24	$37.55
Blended Fair Value	$60.44
Current Price	$53.30
Upside	13.40%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	25.90%	7.91%	0.66	0.58	0.51	0.43	0.29	0.21	0.13	0.00	1.43	0.52
YoY Growth	-	-	13.27%	14.50%	17.43%	47.18%	41.13%	63.68%	0.00%	-100.00%	173.37%	70.71%
Dividend Yield	-	-	1.41%	1.57%	1.63%	0.97%	0.66%	1.05%	0.39%	0.00%	4.04%	2.52%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	103.53
(-) Cash Dividends Paid (M)	33.43
(=) Cash Retained (M)	70.10

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	20.71	12.94	7.76
Cash Retained (M)	70.10	70.10	70.10
(-) Cash Required (M)	-20.71	-12.94	-7.76
(=) Excess Retained (M)	49.39	57.16	62.33
(/) Shares Outstanding (M)	48.51	48.51	48.51
(=) Excess Retained per Share	1.02	1.18	1.29
LTM Dividend per Share	0.69	0.69	0.69
(+) Excess Retained per Share	1.02	1.18	1.29
(=) Adjusted Dividend	1.71	1.87	1.97
WACC / Discount Rate	8.89%	8.89%	8.89%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$53.19	$83.33	$153.04
Upside / Downside	-0.21%	56.35%	187.13%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	103.53	110.26	117.43	125.06	133.19	141.85	146.10
Payout Ratio	32.29%	43.83%	55.38%	66.92%	78.46%	90.00%	92.50%
Projected Dividends (M)	33.43	48.33	65.03	83.69	104.50	127.66	135.14

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.89%	8.89%	8.89%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	43.97	44.39	44.80
Year 2 PV (M)	53.82	54.84	55.88
Year 3 PV (M)	63.01	64.82	66.67
Year 4 PV (M)	71.58	74.34	77.17
Year 5 PV (M)	79.56	83.40	87.39
PV of Terminal Value (M)	1,430.72	1,499.83	1,571.58
Equity Value (M)	1,742.67	1,821.62	1,903.49
Shares Outstanding (M)	48.51	48.51	48.51
Fair Value	$35.93	$37.55	$39.24
Upside / Downside	-32.59%	-29.54%	-26.37%

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FB Financial Corporation (FBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener