FB Financial vs National MI
FB Financial (FB Financial Corp.) and National MI (NMI Holdings Inc) are compared on business models, financial performance, and market context. This page provides a neutral overview of how each company operates, generates revenue, and positions itself within its industry, without endorsement or recommendation. Educational content, not financial advice.
FB Financial (FB Financial Corp.) and National MI (NMI Holdings Inc) are compared on business models, financial performance, and market context. This page provides a neutral overview of how each compa...
Which Baskets Do They Appear In?
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Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.
Published: July 29, 2025
Explore BasketRiding The Southeast Consolidation Wave
The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.
Published: July 26, 2025
Explore BasketThe New Titans Of Finance
Capital One's acquisition of Discover Financial Services is reshaping the payments landscape, creating a larger, more competitive entity. This move signals a broader trend of consolidation in the financial sector, potentially benefiting other large banks and the payment technology firms that support them.
Published: July 23, 2025
Explore BasketWhich Baskets Do They Appear In?
Unlocking Value: The Finance Arm Spinoff
Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.
Published: July 29, 2025
Explore BasketRiding The Southeast Consolidation Wave
The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.
Published: July 26, 2025
Explore BasketThe New Titans Of Finance
Capital One's acquisition of Discover Financial Services is reshaping the payments landscape, creating a larger, more competitive entity. This move signals a broader trend of consolidation in the financial sector, potentially benefiting other large banks and the payment technology firms that support them.
Published: July 23, 2025
Explore BasketInvestment Analysis
FB Financial
FBK
Pros
- FB Financial reported third-quarter 2025 earnings that exceeded analyst expectations with adjusted EPS of $1.07 against forecasted $0.96, and revenues of $173.88 million surpassing projections.
- Analysts from Cantor Fitzgerald and Piper Sandler have recently raised price targets for FB Financial, reflecting confidence in upside potential linked to further M&A activity and operational performance.
- The company maintains a strong financial position with a low debt-to-equity ratio of around 10.8% and a solid core efficiency ratio of 53.3%, indicating improving operational efficiency.
Considerations
- FB Financial’s stock exhibits medium risk with some recent negative trading signals, including a sell signal from a recent pivot top and a bearish moving average convergence divergence (MACD).
- The company’s price-to-earnings (PE) ratio is relatively high at around 28.81 trailing and 13.41 forward, which may suggest premium valuation compared to peers.
- Despite recent gains, the stock’s price volatility is moderate, with daily average moves around 2.26%, implying potential short-term price fluctuations.
National MI
NMIH
Pros
- NMI Holdings delivered strong financial growth with a 12.43% increase in revenue and an 11.80% increase in earnings in 2024, demonstrating solid operational momentum.
- The company benefits from a diversified client base including mortgage banks, credit unions, and non-bank lenders, reducing customer concentration risk in the mortgage insurance sector.
- NMI Holdings has a relatively low beta of 0.57 indicating lower market volatility sensitivity, supported by a strong net income of $377.69 million and a low valuation with a PE ratio near 8.44.
Considerations
- NMI Holdings operates in a highly regulated mortgage insurance industry, which entails ongoing regulatory and economic cycle risks that could impact profitability.
- The company does not pay dividends, potentially limiting income returns for shareholders relying on distributions.
- With a market cap similar to FB Financial but higher revenue, the company’s lower EPS relative to its price suggests possible valuation concerns or lesser operating leverage.
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