FBKFB Financial Corp
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$798M net debt
- AI in 10-K
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Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear127% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowFired124% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $190M | $125M | $120M | $116M | $123M | 5.7% |
| Operating cash flow | $55M | $800M | $211M | $139M | $156M | 12% |
| Capex | $6M | $11M | $20M | $7M | $9M | 35% |
| Stock-based comp | $10M | $10M | $10M | $9M | $17M | 82% |
| Buybacks | $8M | $40M | $5M | $13M | $156M | 1128% |
| Dividends | $21M | $25M | $28M | $32M | $38M | 19% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $2M · 2
- Open-market sells, 12 mo
- $0 · 0
- Net
- $2M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $4M | $6M | 169 | 153 |
| FY2024 | $4M | $6M | 137 | 151 |
| FY2023 | $3M | $3M | 106 | 130 |
| FY2022 | $2M | $1M | 95 | 128 |
| FY2021 | $3M | $3M | 113 | 137 |