FBK
FB Financial Corporation
Banks - Regional
Market Cap$2.73B
5Y Perf.+112.7%
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Stock Comparison
FBK vs COLB
Revenue, margins, valuation, and 5-year total return — side by side.
COLB
Columbia Banking System, Inc.
Banks - Regional
Market Cap$7.05B
5Y Perf.+4.6%
FBK vs COLB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  FBK |  COLB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.73B | $7.05B |
| Revenue (TTM) | $878M | $3.21B |
| Net Income (TTM) | $140M | $550M |
| Gross Margin | 58.9% | 67.7% |
| Operating Margin | 15.8% | 23.4% |
| Forward P/E | 11.2x | 9.7x |
| Total Debt | $334M | $4.01B |
| Cash & Equiv. | $1.16B | $511M |
FBK vs COLB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FBK
COLB
| Stock | Jun 20 | May 26 | Return |
|---|---|---|---|
| FB Financial Corpor… (FBK) | 100 | 212.7 | +112.7% |
| Columbia Banking Sy… (COLB) | 100 | 104.6 | +4.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FBK vs COLB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FBK leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Columbia Banking System, Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
FBK
FB Financial Corporation
The Banking Pick
FBK carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 6 yrs, beta 0.93
- Rev growth 14.5%, EPS growth -3.2%
- 174.7% 10Y total return vs COLB's 39.6%
Best for: income & stability and growth exposure
COLB
Columbia Banking System, Inc.
The Banking Pick
COLB is the clearest fit if your priority is value and dividends.
- Lower P/E (9.7x vs 11.2x)
- 3.8% yield; the other pay no meaningful dividend
- +31.9% vs FBK's +21.7%
Best for: value and dividends
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  FBK | 14.5% NII/revenue growth vs COLB's 8.3% |
| Value |  COLB | Lower P/E (9.7x vs 11.2x) |
| Quality / Margins | FBK | Efficiency ratio 0.4% vs COLB's 0.4% (lower = leaner) |
| Stability / Safety | FBK | Beta 0.93 vs COLB's 1.29, lower leverage |
| Dividends | COLB | 3.8% yield; the other pay no meaningful dividend |
| Momentum (1Y) | COLB | +31.9% vs FBK's +21.7% |
| Efficiency (ROA) | FBK | Efficiency ratio 0.4% vs COLB's 0.4% |
FBK vs COLB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FBK vs COLB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCOLBLAGGINGFBK
FBKFB Financial Corporat…
2leads
COLBColumbia Banking Syst…
3leads
6 Total Categories
CATEGORYLEADERvs FBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
COLB4/5
Valuation MetricsMultiples, price ratios, and targets
COLB6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
COLB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FBK4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
FBK1/1
Income & Cash Flow (Last 12 Months)
COLB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
COLB is the larger business by revenue, generating $3.2B annually — 3.7x FBK's $878M. Profitability is closely matched — net margins range from 17.1% (COLB) to 14.0% (FBK).
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| RevenueTrailing 12 months | $878M | $3.2B |
| EBITDAEarnings before interest/tax | $98M | $895M |
| Net IncomeAfter-tax profit | $140M | $550M |
| Free Cash FlowCash after capex | $302M | $724M |
| Gross MarginGross profit ÷ Revenue | +58.9% | +67.7% |
| Operating MarginEBIT ÷ Revenue | +15.8% | +23.4% |
| Net MarginNet income ÷ Revenue | +14.0% | +17.1% |
| FCF MarginFCF ÷ Revenue | +17.8% | +22.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +43.2% | +5.9% |
COLB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
COLB leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 12.9x trailing earnings, COLB trades at a 41% valuation discount to FBK's 22.0x P/E. On an enterprise value basis, COLB's 11.8x EV/EBITDA is more attractive than FBK's 12.6x.
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| Market CapShares × price | $2.7B | $7.1B |
| Enterprise ValueMkt cap + debt − cash | $1.9B | $10.6B |
| Trailing P/EPrice ÷ TTM EPS | 21.95x | 12.89x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.25x | 9.69x |
| PEG RatioP/E ÷ EPS growth rate | 2.92x | — |
| EV / EBITDAEnterprise value multiple | 12.64x | 11.79x |
| Price / SalesMarket cap ÷ Revenue | 3.11x | 2.20x |
| Price / BookPrice ÷ Book value/share | 1.44x | 1.12x |
| Price / FCFMarket cap ÷ FCF | 17.50x | 9.99x |
COLB leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
COLB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
COLB delivers a 8.4% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $7 for FBK. FBK carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to COLB's 0.51x. On the Piotroski fundamental quality scale (0–9), COLB scores 6/9 vs FBK's 5/9, reflecting solid financial health.
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| ROE (TTM)Return on equity | +7.2% | +8.4% |
| ROA (TTM)Return on assets | +0.9% | +0.9% |
| ROICReturn on invested capital | +5.1% | +5.4% |
| ROCEReturn on capital employed | +1.5% | +2.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.17x | 0.51x |
| Net DebtTotal debt minus cash | -$822M | $3.5B |
| Cash & Equiv.Liquid assets | $1.2B | $511M |
| Total DebtShort + long-term debt | $334M | $4.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.36x | 0.82x |
COLB leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FBK leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FBK five years ago would be worth $13,285 today (with dividends reinvested), compared to $8,386 for COLB. Over the past 12 months, COLB leads with a +31.9% total return vs FBK's +21.7%. The 3-year compound annual growth rate (CAGR) favors FBK at 25.8% vs COLB's 18.4% — a key indicator of consistent wealth creation.
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| YTD ReturnYear-to-date | -5.4% | +7.8% |
| 1-Year ReturnPast 12 months | +21.7% | +31.9% |
| 3-Year ReturnCumulative with dividends | +98.9% | +65.9% |
| 5-Year ReturnCumulative with dividends | +32.9% | -16.1% |
| 10-Year ReturnCumulative with dividends | +174.7% | +39.6% |
| CAGR (3Y)Annualised 3-year return | +25.8% | +18.4% |
FBK leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FBK and COLB each lead in 1 of 2 comparable metrics.
Risk & Volatility
FBK is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than COLB's 1.29 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. COLB currently trades 90.6% from its 52-week high vs FBK's 84.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 1.29x |
| 52-Week HighHighest price in past year | $62.37 | $32.70 |
| 52-Week LowLowest price in past year | $42.29 | $21.91 |
| % of 52W HighCurrent price vs 52-week peak | +84.5% | +90.6% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 53.3 |
| Avg Volume (50D)Average daily shares traded | 273K | 2.7M |
Evenly matched — FBK and COLB each lead in 1 of 2 comparable metrics.
Analyst Outlook
FBK leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates FBK as "Buy" and COLB as "Buy". Consensus price targets imply 23.4% upside for FBK (target: $65) vs 11.0% for COLB (target: $33). COLB is the only dividend payer here at 3.81% yield — a key consideration for income-focused portfolios.
| Metric | FBKFB Financial Corp… | COLBColumbia Banking … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $65.00 | $32.90 |
| # AnalystsCovering analysts | 14 | 19 |
| Dividend YieldAnnual dividend ÷ price | — | +3.8% |
| Dividend StreakConsecutive years of raises | 6 | 0 |
| Dividend / ShareAnnual DPS | — | $1.13 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.5% |
FBK leads this category, winning 1 of 1 comparable metric.
Key Takeaway
COLB leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). FBK leads in 2 (Total Returns, Analyst Outlook). 1 tied.
Best OverallColumbia Banking System, In… (COLB)Leads 3 of 6 categories
Loading custom metrics...
FBK vs COLB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FBK or COLB a better buy right now?
For growth investors, FB Financial Corporation (FBK) is the stronger pick with 14.
5% revenue growth year-over-year, versus 8. 3% for Columbia Banking System, Inc. (COLB). Columbia Banking System, Inc. (COLB) offers the better valuation at 12. 9x trailing P/E (9. 7x forward), making it the more compelling value choice. Analysts rate FB Financial Corporation (FBK) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FBK or COLB?
On trailing P/E, Columbia Banking System, Inc.
(COLB) is the cheapest at 12. 9x versus FB Financial Corporation at 22. 0x. On forward P/E, Columbia Banking System, Inc. is actually cheaper at 9. 7x.
03Which is the better long-term investment — FBK or COLB?
Over the past 5 years, FB Financial Corporation (FBK) delivered a total return of +32.
9%, compared to -16. 1% for Columbia Banking System, Inc. (COLB). Over 10 years, the gap is even starker: FBK returned +174. 7% versus COLB's +39. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FBK or COLB?
By beta (market sensitivity over 5 years), FB Financial Corporation (FBK) is the lower-risk stock at 0.
93β versus Columbia Banking System, Inc. 's 1. 29β — meaning COLB is approximately 39% more volatile than FBK relative to the S&P 500. On balance sheet safety, FB Financial Corporation (FBK) carries a lower debt/equity ratio of 17% versus 51% for Columbia Banking System, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FBK or COLB?
By revenue growth (latest reported year), FB Financial Corporation (FBK) is pulling ahead at 14.
5% versus 8. 3% for Columbia Banking System, Inc. (COLB). On earnings-per-share growth, the picture is similar: FB Financial Corporation grew EPS -3. 2% year-over-year, compared to -9. 8% for Columbia Banking System, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FBK or COLB?
Columbia Banking System, Inc.
(COLB) is the more profitable company, earning 17. 1% net margin versus 14. 0% for FB Financial Corporation — meaning it keeps 17. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: COLB leads at 23. 4% versus 15. 8% for FBK. At the gross margin level — before operating expenses — COLB leads at 67. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FBK or COLB more undervalued right now?
On forward earnings alone, Columbia Banking System, Inc.
(COLB) trades at 9. 7x forward P/E versus 11. 2x for FB Financial Corporation — 1. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FBK: 23. 4% to $65. 00.
08Which pays a better dividend — FBK or COLB?
In this comparison, COLB (3.
8% yield) pays a dividend. FBK does not pay a meaningful dividend and should not be held primarily for income.
09Is FBK or COLB better for a retirement portfolio?
For long-horizon retirement investors, Columbia Banking System, Inc.
(COLB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 29), 3. 8% yield). Both have compounded well over 10 years (COLB: +39. 6%, FBK: +174. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FBK and COLB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FBK is a small-cap quality compounder stock; COLB is a small-cap deep-value stock. COLB pays a dividend while FBK does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FBK: 14.5% · COLB: 8.3%)Net Margin>
%
(FBK: 14.0% · COLB: 17.1%)P/E Ratio<
x
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