FB Financial (NYSE:FBK) Posts Quarterly Earnings Results, Misses Expectations By $0.01 EPS

Key Points

• EPS came in at $1.12, a $0.01 miss to estimates, and revenue was $172.7M versus a $175.45M consensus, but revenue was up 31.8% year‑over‑year and EPS rose from $0.85 a year earlier.
• The company increased its quarterly dividend to $0.21 (annualized $0.84) for a yield of 1.5% and a payout ratio of 35%.
• Analyst sentiment remains favorable with a consensus "Buy" rating and an average price target of $62.75 after several recent upgrades.

FB Financial (NYSE:FBK - Get Free Report) released its earnings results on Monday. The financial services provider reported $1.12 earnings per share (EPS) for the quarter, missing the consensus estimate of $1.13 by ($0.01), FiscalAI reports. FB Financial had a return on equity of 11.21% and a net margin of 13.07%.The firm had revenue of $172.71 million during the quarter, compared to the consensus estimate of $175.45 million. During the same quarter last year, the business posted $0.85 EPS. FB Financial's revenue was up 31.8% compared to the same quarter last year.

FB Financial Price Performance

Shares of FBK stock opened at $55.96 on Tuesday. The company has a market capitalization of $2.90 billion, a P/E ratio of 23.31 and a beta of 0.98. The company's 50-day simple moving average is $55.08 and its two-hundred day simple moving average is $56.01. FB Financial has a one year low of $39.47 and a one year high of $62.37.

FB Financial Increases Dividend

The business also recently announced a quarterly dividend, which was paid on Tuesday, February 24th. Shareholders of record on Tuesday, February 10th were paid a $0.21 dividend. The ex-dividend date was Tuesday, February 10th. This represents a $0.84 dividend on an annualized basis and a yield of 1.5%. This is an increase from FB Financial's previous quarterly dividend of $0.19. FB Financial's payout ratio is currently 35.00%.

Key Headlines Impacting FB Financial

Here are the key news stories impacting FB Financial this week:

• Positive Sentiment: Reported solid profitability and EPS that was essentially in line with Street expectations — GAAP net income was $57.5M (adjusted EPS $1.12) and management highlighted year‑over‑year earnings growth, supporting investor confidence. Read More.
• Positive Sentiment: Revenue and earnings improved significantly versus a year ago — revenue was up about 31.8% year-over-year and EPS grew from $0.85 in the prior-year quarter, signaling underlying growth momentum. Read More.
• Neutral Sentiment: Company provided a full earnings release, slide deck and earnings-call transcript — useful for investors who want to dig into loan trends, margins and capital metrics before deciding. Read More.
• Neutral Sentiment: Detailed earnings/transcript coverage is available for deeper read on management commentary and outlook (Q1 2025 and prior-quarter transcripts were published). Read More.
• Negative Sentiment: Revenue missed analyst estimates — reported revenue of $172.7M versus consensus near $175.4M, which triggered near-term selling pressure. Read More.
• Negative Sentiment: Net interest income weakness weighed on results and was called out by media as a primary headwind; that contributed to an initial intraday drop in the stock after the print. Read More.
• Negative Sentiment: Small estimate misses in some reads — certain outlets note EPS missed a Zacks consensus by $0.01, highlighting how thin the margin between beat/miss was and why guidance or commentary will matter to traders. Read More.

Insider Activity

In related news, major shareholder James Austin Mcpherson sold 8,500 shares of the stock in a transaction that occurred on Thursday, January 15th. The stock was sold at an average price of $60.06, for a total value of $510,510.00. Following the transaction, the insider owned 9,484 shares of the company's stock, valued at $569,609.04. This represents a 47.26% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available through the SEC website. Insiders own 1.90% of the company's stock.

Hedge Funds Weigh In On FB Financial

Hedge funds and other institutional investors have recently made changes to their positions in the company. CIBC Private Wealth Group LLC purchased a new stake in FB Financial in the fourth quarter worth about $27,000. Global Retirement Partners LLC purchased a new position in FB Financial during the 4th quarter valued at about $37,000. EverSource Wealth Advisors LLC raised its holdings in shares of FB Financial by 1,152.2% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 864 shares of the financial services provider's stock valued at $39,000 after purchasing an additional 795 shares in the last quarter. Johnson Financial Group Inc. purchased a new stake in shares of FB Financial in the 3rd quarter worth approximately $75,000. Finally, iSAM Funds UK Ltd purchased a new stake in shares of FB Financial in the 3rd quarter worth approximately $100,000. Institutional investors own 65.40% of the company's stock.

Wall Street Analyst Weigh In

Several analysts have issued reports on the stock. Weiss Ratings downgraded shares of FB Financial from a "buy (b-)" rating to a "hold (c+)" rating in a research note on Tuesday, April 7th. Piper Sandler raised FB Financial from a "neutral" rating to an "overweight" rating and set a $65.00 target price on the stock in a research note on Thursday, April 2nd. Finally, Raymond James Financial raised FB Financial from a "market perform" rating to a "strong-buy" rating and set a $62.00 price target for the company in a research note on Tuesday, April 7th. One investment analyst has rated the stock with a Strong Buy rating, three have given a Buy rating and one has issued a Hold rating to the stock. Based on data from MarketBeat.com, the stock currently has a consensus rating of "Buy" and an average target price of $62.75.

About FB Financial

FB Financial Corporation, through its banking subsidiary FirstBank, is a Tennessee-based bank holding company that provides a broad range of financial services to individuals, small and medium-sized businesses, and commercial clients. Established to serve the banking needs of communities across the southeastern United States, the company's core offerings include consumer and commercial deposit products, commercial lending, and mortgage services.

In addition to traditional checking and savings accounts, FB Financial's service portfolio encompasses treasury and cash management, equipment financing, and letters of credit to support the working capital and expansion needs of business customers.