Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
FB Financial Corporation is a bank holding company that provides a broad range of commercial and consumer banking services primarily through its wholly owned subsidiary, FirstBank. The company operates within the U.S. banking and financial services industry, focusing on relationship-driven banking for businesses, professionals, and individuals. Its core offerings include commercial and industrial lending, commercial real estate lending, consumer banking, treasury management, and wealth-related services.
The company traces its operational roots to FirstBank, founded in 1906 in Tennessee, while FB Financial Corporation was formed as a holding company in 2014 and completed its initial public offering in 2016. FB Financial has positioned itself as a regionally focused banking institution with a strong emphasis on local decision-making, disciplined credit culture, and organic growth complemented by selective acquisitions.
Business Operations
FB Financial Corporation generates the majority of its revenue through Banking operations, which include interest income from loans and investment securities, as well as non-interest income from deposit-related services and fees. The company historically operated a Mortgage Banking segment; however, mortgage origination activities have been significantly reduced, and banking operations represent the dominant source of earnings based on publicly available filings.
Operations are conducted primarily through FirstBank, which offers a full suite of financial products to commercial, consumer, and small business customers. The company also operates FB Financial Trust and other support subsidiaries that provide fiduciary and wealth-related services. FB Financial’s business model emphasizes in-house credit underwriting, branch-based relationship management, and centralized risk oversight, with no material reliance on joint ventures.
Strategic Position & Investments
FB Financial Corporation’s strategic direction centers on disciplined balance sheet growth, expansion in high-growth Southeastern markets, and maintaining strong asset quality and capital levels. Growth initiatives have focused on expanding commercial banking teams, selectively adding branch locations, and leveraging technology to enhance customer experience and operating efficiency.
The company has pursued growth through targeted acquisitions of community banks and branch portfolios that align with its regional footprint and credit standards. These acquisitions have been integrated into FirstBank, reinforcing its presence in core and adjacent markets. FB Financial has not disclosed material investments in speculative or emerging technologies, instead prioritizing core banking infrastructure, digital delivery channels, and regulatory compliance capabilities.
Geographic Footprint
FB Financial Corporation is headquartered in Nashville, Tennessee, and operates primarily across the Southeastern United States. Its banking footprint includes significant market presence in Tennessee, Alabama, Kentucky, and Georgia, with additional operations in select surrounding states.
The company’s activities are almost entirely domestic, with no material international operations or foreign banking subsidiaries. Its geographic strategy emphasizes contiguous market expansion, allowing management to leverage regional brand recognition, operational scale, and consistent credit practices across its footprint.
Leadership & Governance
FB Financial Corporation is led by an executive team with deep experience in regional banking and long-tenured involvement with the organization. Leadership emphasizes conservative risk management, community engagement, and long-term shareholder value creation, consistent with the company’s historical operating philosophy.
Key executives include:
- J. Christopher Holmes – President and Chief Executive Officer
- Marsha L. Williams – Chief Financial Officer
- William E. Rogers – Chief Operating Officer
The company was founded and continues to be influenced by J. Christopher Holmes, who has played a central role in shaping both FirstBank and FB Financial Corporation’s strategic direction and governance framework.