Piper Sandler cuts FB Financial target to $58, keeps Overweight

Published 17/04/2025, 15:32
Piper Sandler cuts FB Financial target to $58, keeps Overweight

On Thursday, Piper Sandler analyst Stephen Scouten adjusted the price target for FB Financial (NYSE:FBK) stock, reducing it to $58 from the previous $60, while maintaining an Overweight rating on the company’s shares. Currently trading at $40.85, the stock has declined 21.13% year-to-date. The revision follows FB Financial’s first-quarter 2025 performance, which showed a slight miss on pre-provision net revenue (PPNR) compared to Piper Sandler’s estimates (PSCe) and an uptick in forward-looking expenses that impacted the stock.

The analyst noted that despite the higher expense expectations, the long-term outlook for FB Financial remains positive. According to InvestingPro, the company has maintained a strong dividend track record, raising dividends for 7 consecutive years, with a current yield of 1.88%. The forecast for the year 2026 has been trimmed by approximately 3.4%, a modest adjustment when considering the stock’s recent performance. Scouten highlighted the company’s solid quarter, marked by robust capital levels and impressive loan growth.

The anticipated closure of the SSBK deal in early third quarter of 2025 and the continued strength in pipeline trends were also cited as reasons for optimism about FB Financial’s valuation. According to Scouten, the current market valuation does not fully reflect the company’s potential, deeming the shares to be significantly undervalued.

The updated price target of $58 is based on roughly 13 times Piper Sandler’s estimated earnings for 2026. Despite the reduction in the price target, the Overweight rating suggests that Piper Sandler continues to see a favorable risk-reward balance for investors in FB Financial stock.

In other recent news, FB Financial reported its first-quarter earnings for 2025, revealing an adjusted earnings per share (EPS) of $0.85, which slightly exceeded the forecast of $0.83. However, the company’s revenue fell short of expectations, coming in at $130.67 million compared to the projected $132.18 million. Despite this revenue miss, FB Financial continues to focus on strategic growth, including a planned merger with Southern States Bank, expected to close in the third quarter of 2025. This merger aims to enhance the bank’s presence in the Alabama and Georgia markets.

Raymond (NSE:RYMD) James analyst Steve Moss maintained a Market Perform rating on FB Financial, noting the bank’s strong capital and liquidity position, which supports its growth prospects. The bank’s expenses were higher than anticipated due to performance-based compensation, yet the overall outlook remains positive according to the analyst. FB Financial has projected loan growth in the high single to low double digits for 2025, supported by a robust pipeline and recent market expansions. Additionally, the bank highlighted improved credit metrics, with a decrease in non-performing loans and net charge-offs primarily related to a specific commercial and industrial relationship.

FB Financial’s net interest income for the quarter was $107.6 million, and the net interest margin stood at 3.55%. The bank’s focus on geographic expansion and talent acquisition is part of its strategy to strengthen its competitive position in the Southeastern U.S. Overall, despite economic uncertainties and policy changes, FB Financial remains poised for growth opportunities, bolstered by its strong financial foundation and strategic initiatives.

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