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FB Financial (FBK) Financials

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$56.86 +0.60 (+1.06%)
As of 02:05 PM Eastern
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Annual Income Statements for FB Financial

Annual Income Statements for FB Financial

This table shows FB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 48 41 52 80 84 64 190 125 120 116 123
Consolidated Net Income / (Loss)		 48 41 52 80 84 64 190 125 120 116 123
Net Income / (Loss) Continuing Operations		 48 41 52 80 84 64 190 125 120 116 123
Total Pre-Tax Income 		51 62 73 106 110 82 243 160 150 147 139
Total Revenue		 186 256 295 335 361 568 576 527 478 456 560
Net Interest Income / (Expense)		 94 111 153 204 226 266 347 412 407 417 516
Total Interest Income		 103 120 170 240 283 315 385 481 678 726 834
Loans and Leases Interest Income		 88 106 154 221 260 295 359 436 599 626 732
Investment Securities Interest Income		 15 14 14 16 18 17 23 33 34 55 62
Other Interest Income		 0.47 0.61 1.55 2.13 4.05 2.71 2.89 12 45 44 40
Total Interest Expense		 8.91 9.54 16 36 57 49 38 69 271 309 318
Deposits Interest Expense		 6.29 7.34 13 30 52 43 30 57 259 296 309
Long-Term Debt Interest Expense		 1.91 2.20 3.31 5.97 4.93 6.13 7.44 13 12 13 8.62
Total Non-Interest Income		 92 145 142 131 135 302 228 115 71 39 44
Other Service Charges		 85 139 141 131 135 302 225 115 85 98 106
Net Realized & Unrealized Capital Gains on Investments		 3.93 5.59 0.40 0.11 0.50 0.05 3.15 -0.64 -14 -59 -62
Provision for Credit Losses		 -3.06 -1.48 -0.95 5.40 7.05 108 -41 19 2.54 12 43
Total Non-Interest Expense		 138 195 222 223 245 377 374 348 325 297 378
Salaries and Employee Benefits		 84 113 130 137 152 234 248 211 203 184 218
Net Occupancy & Equipment Expense		 13 16 19 23 26 30 33 33 37 36 38
Marketing Expense		 8.06 11 13 13 9.14 10 14 11 8.27 7.01 9.58
Property & Liability Insurance Claims		 5.55 5.47 5.74 7.90 7.49 7.65 9.16 15 8.89 7.68 8.15
Other Operating Expenses		 20 30 33 38 40 55 64 73 63 60 76
Amortization Expense		 4.33 10 2.00 3.19 4.34 5.32 5.47 4.59 3.66 2.95 5.30
Restructuring Charge		 3.54 3.27 19 1.59 5.39 35 - - 0.00 0.00 24
Income Tax Expense		 2.97 22 21 26 26 19 53 35 30 31 16
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - 0.00 0.00 0.01 0.02 0.02 0.02 0.02 0.02
Basic Earnings per Share		 $2.79 $2.12 $1.90 $2.60 $2.70 $1.69 $4.01 $2.64 $2.57 $2.48 $2.47
Weighted Average Basic Shares Outstanding		 17.18M 24.15M 30.65M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Diluted Earnings per Share		 $4.71 $4.14 $1.86 $2.55 $2.65 $1.67 $3.97 $2.64 $2.57 $2.48 $2.45
Weighted Average Diluted Shares Outstanding		 17.18M 24.15M 30.65M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Weighted Average Basic & Diluted Shares Outstanding		 - 24.15M 30.65M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Cash Dividends to Common per Share		 $1.37 $4.03 $396.00 $0.20 $0.32 $0.36 $0.44 $0.52 $0.60 $0.68 $0.76

Quarterly Income Statements for FB Financial

This table shows FB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 29 28 40 10 38 39 2.91 23 57 58 59
Consolidated Net Income / (Loss)		 29 28 40 10 38 39 2.92 23 57 58 59
Net Income / (Loss) Continuing Operations		 29 28 40 10 38 39 2.92 23 57 58 59
Total Pre-Tax Income 		36 34 51 11 50 49 -9.74 30 70 74 73
Total Revenue		 116 107 128 90 130 131 77 174 179 172 175
Net Interest Income / (Expense)		 101 99 103 106 108 108 111 147 150 146 149
Total Interest Income		 175 176 177 186 186 180 182 237 235 225 229
Loans and Leases Interest Income		 156 156 155 159 157 153 160 209 210 201 206
Investment Securities Interest Income		 9.55 11 13 15 16 16 16 15 15 15 15
Other Interest Income		 9.54 9.98 8.90 12 13 11 6.69 12 10 9.46 8.13
Total Interest Expense		 74 77 75 80 78 72 71 90 85 79 80
Deposits Interest Expense		 71 73 72 76 76 70 69 87 84 78 79
Long-Term Debt Interest Expense		 2.87 4.01 3.30 3.52 1.86 1.82 2.10 3.08 1.62 1.51 1.70
Total Non-Interest Income		 15 7.96 26 -16 22 23 -35 27 29 26 26
Other Service Charges		 16 24 26 24 24 24 26 27 29 27 26
Net Realized & Unrealized Capital Gains on Investments		 -0.31 -16 -0.28 -40 -2.16 -0.61 -60 -0.63 -0.07 -0.32 -0.38
Provision for Credit Losses		 0.31 0.78 2.22 1.91 7.08 2.29 5.34 34 1.23 3.02 10
Total Non-Interest Expense		 80 72 75 76 73 80 81 110 108 95 91
Salaries and Employee Benefits		 48 45 46 48 45 48 47 59 64 57 53
Net Occupancy & Equipment Expense		 12 9.02 8.61 9.13 9.13 8.91 8.87 10.00 10 9.93 9.97
Marketing Expense		 2.01 1.17 1.86 1.95 2.03 2.49 2.18 2.45 2.46 2.15 2.56
Property & Liability Insurance Claims		 1.82 1.92 1.98 1.90 1.88 1.99 2.43 1.23 2.50 1.98 1.88
Other Operating Expenses		 15 15 16 15 14 17 18 19 22 20 22
Amortization Expense		 0.84 0.79 0.75 0.72 0.69 0.66 0.63 2.08 1.93 1.87 1.80
Restructuring Charge		 - 0.00 0.00 0.00 - 0.40 2.73 16 4.61 1.45 0.00
Income Tax Expense		 6.55 6.30 11 1.17 12 9.47 -13 6.23 13 17 14
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.01 0.00 0.01 0.00 0.01 0.00 0.01 0.00 0.01 0.00 0.01
Basic Earnings per Share		 $0.63 $0.60 $0.85 $0.22 $0.81 $0.84 $0.06 $0.44 $1.13 $1.11 $1.14
Weighted Average Basic Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M
Diluted Earnings per Share		 $0.63 $0.59 $0.85 $0.22 $0.82 $0.84 $0.06 $0.43 $1.12 $1.10 $1.13
Weighted Average Diluted Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M
Weighted Average Basic & Diluted Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M

Annual Cash Flow Statements for FB Financial

This table details how cash moves in and out of FB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 48 39 -17 5.61 107 1,085 480 -771 -216 232 113
Net Cash From Operating Activities		 -46 -245 38 212 64 -270 55 800 211 139 156
Net Cash From Continuing Operating Activities		 -46 -245 38 212 64 -270 55 800 211 139 156
Net Income / (Loss) Continuing Operations		 48 41 52 80 84 64 190 125 120 116 123
Consolidated Net Income / (Loss)		 48 41 52 80 84 64 190 125 120 116 123
Provision For Loan Losses		 -1.69 -0.97 -0.14 5.57 7.42 111 -42 16 1.89 12 43
Depreciation Expense		 3.28 4.00 4.32 4.33 5.18 7.54 8.42 8.02 11 12 12
Amortization Expense		 5.81 13 4.69 5.95 -1.19 8.92 15 13 10 5.51 3.11
Non-Cash Adjustments to Reconcile Net Income		 -113 -292 -78 155 0.61 -450 -75 584 73 14 -9.77
Changes in Operating Assets and Liabilities, net		 12 -9.42 54 -39 -32 -11 -42 54 -5.60 -21 -16
Net Cash From Investing Activities		 -52 -33 -267 -587 -183 310 -850 -1,754 -55 -294 -32
Net Cash From Continuing Investing Activities		 -52 -33 -267 -587 -183 310 -850 -1,754 -55 -294 -32
Purchase of Property, Leasehold Improvements and Equipment		 -5.92 -4.78 -4.55 -10 -6.81 -5.93 -6.10 -11 -20 -6.55 -8.85
Purchase of Investment Securities		 -372 -444 -323 -206 -519 -421 -1,162 -1,955 -299 -1,127 -982
Sale of Property, Leasehold Improvements and Equipment		 0.02 0.05 0.04 0.36 1.28 114 0.00 0.88 0.12 1.01 1.85
Divestitures		 - - - 0.00 171 248 - - 0.00 0.00 370
Sale and/or Maturity of Investments		 302 416 195 121 171 375 319 211 264 839 586
Net Cash From Financing Activities		 145 317 213 380 226 1,045 1,275 184 -372 387 -9.98
Net Cash From Continuing Financing Activities		 145 317 213 380 226 1,045 1,275 184 -372 387 -9.98
Net Change in Deposits		 269 233 13 507 174 1,192 1,379 29 -313 658 231
Issuance of Debt		 -81 - - 0.00 68 113 0.00 175 130 0.00 0.00
Issuance of Common Equity		 0.00 116 153 1.20 0.80 0.98 1.48 1.21 0.72 0.88 0.90
Repayment of Debt		 -8.23 37 54 -121 0.00 -250 -75 0.00 -175 -130 -131
Repurchase of Common Equity		 - - - - 0.00 0.00 -7.60 -40 -4.94 -13 -156
Payment of Dividends		 -25 -69 0.00 -6.14 -10 -14 -21 -25 -28 -32 -38
Other Financing Activities, Net		 -8.36 0.00 -7.27 -1.88 -7.01 3.66 -2.37 43 18 -97 83
Cash Interest Paid		 8.99 9.47 15 32 55 49 41 64 261 304 320
Cash Income Taxes Paid		 1.75 1.31 22 24 25 20 62 0.91 38 43 21

Quarterly Cash Flow Statements for FB Financial

This table details how cash moves in and out of FB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -37 60 -70 151 91 -248 371 114 -124 1.87 -45
Net Cash From Operating Activities		 74 36 31 48 24 -16 72 48 53 31 75
Net Cash From Continuing Operating Activities		 75 36 31 48 24 -16 72 48 53 31 75
Net Income / (Loss) Continuing Operations		 29 28 40 10 38 39 2.92 23 57 58 59
Consolidated Net Income / (Loss)		 29 28 40 10 38 39 2.92 23 57 58 59
Provision For Loan Losses		 0.96 0.83 2.30 1.99 7.12 2.31 5.41 35 1.19 3.30 10
Depreciation Expense		 3.82 2.84 2.86 3.26 3.01 2.77 2.87 3.19 3.23 3.14 3.08
Amortization Expense		 2.39 2.24 1.93 1.16 -0.48 0.14 0.16 1.43 1.37 1.31 -10
Non-Cash Adjustments to Reconcile Net Income		 39 1.35 -22 56 -20 -34 85 -29 -32 -20 37
Changes in Operating Assets and Liabilities, net		 -0.51 1.06 5.59 -25 -3.16 -27 -24 14 22 -14 -23
Net Cash From Investing Activities		 -176 110 -40 -210 -153 -200 141 194 -168 -157 -395
Net Cash From Continuing Investing Activities		 -176 110 -40 -210 -153 -200 141 194 -168 -157 -395
Purchase of Property, Leasehold Improvements and Equipment		 -3.67 -1.62 -2.24 -1.12 -1.57 -1.66 -3.41 -2.15 -1.63 -1.74 -1.66
Purchase of Investment Securities		 -238 -164 -108 -626 -230 -279 -184 -260 -260 -220 -470
Sale and/or Maturity of Investments		 66 275 70 416 77 79 328 86 93 64 77
Net Cash From Financing Activities		 64 -87 -60 314 220 -32 158 -128 -9.08 128 274
Net Cash From Continuing Financing Activities		 64 -87 -60 314 220 -32 158 -128 -9.08 128 274
Net Change in Deposits		 -93 -48 -37 508 234 -8.44 201 -59 97 167 270
Repayment of Debt		 142 -31 31 -219 89 -3.71 1.64 -129 - -4.37 -24
Repurchase of Common Equity		 - 0.00 -13 - - -9.89 -34 -24 -88 -22 -84
Payment of Dividends		 -7.03 -8.00 -8.07 -7.78 -7.93 -9.00 -8.86 -9.87 -10 -11 -11
Other Financing Activities, Net		 22 -0.63 -33 32 -95 -1.06 -1.61 94 -7.69 -2.09 -1.95
Cash Interest Paid		 76 75 75 79 74 77 68 95 80 77 84
Cash Income Taxes Paid		 0.06 0.28 20 14 9.02 -8.76 20 0.73 8.58 0.23 27

Annual Balance Sheets for FB Financial

This table presents FB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,899 3,277 4,728 5,137 6,125 11,207 12,598 12,848 12,604 13,157 16,300
Cash and Due from Banks		 54 50 30 38 49 111 91 260 147 120 196
Federal Funds Sold		 22 13 66 31 131 121 128 211 83 126 213
Interest Bearing Deposits at Other Banks		 22 73 24 56 53 1,086 1,578 557 581 797 746
Trading Account Securities		 923 1,090 1,070 938 954 2,076 2,434 1,614 1,540 1,665 1,661
Loans and Leases, Net of Allowance		 1,677 1,827 3,143 3,639 -31 6,913 7,479 9,164 9,258 9,450 12,198
Loans and Leases		 1,702 1,849 3,167 3,668 - 7,083 7,605 9,298 9,409 9,602 12,384
Allowance for Loan and Lease Losses		 24 22 24 29 31 170 126 134 150 152 186
Premises and Equipment, Net		 66 67 82 87 90 145 144 146 156 149 182
Goodwill		 47 47 137 137 169 243 243 243 243 243 350
Intangible Assets		 6.70 4.56 15 12 18 22 17 12 8.71 5.76 31
Other Assets		 82 106 161 200 4,661 419 410 566 512 530 610
Total Liabilities & Shareholders' Equity		 2,899 3,277 4,728 5,137 6,125 11,207 12,598 12,848 12,604 13,157 16,300
Total Liabilities		 2,663 2,946 4,131 4,465 5,363 9,916 11,165 11,522 11,150 11,590 14,352
Non-Interest Bearing Deposits		 627 697 888 949 1,208 2,274 2,740 2,677 2,218 2,116 2,634
Interest Bearing Deposits		 1,812 2,366 2,776 3,223 3,727 7,184 8,097 8,179 8,330 9,094 11,276
Long-Term Debt		 57 45 348 228 305 238 172 416 391 177 213
Other Long-Term Liabilities		 45 58 119 65 123 220 156 251 210 203 229
Total Equity & Noncontrolling Interests		 237 330 597 672 762 1,291 1,433 1,326 1,455 1,568 1,948
Total Preferred & Common Equity		 237 330 597 672 762 1,291 1,433 1,325 1,455 1,568 1,948
Total Common Equity		 237 330 597 672 762 1,291 1,433 1,325 1,455 1,568 1,948
Common Stock		 112 238 449 455 457 946 940 908 911 907 1,134
Retained Earnings		 122 94 147 221 294 318 487 587 678 762 847
Accumulated Other Comprehensive Income / (Loss)		 2.46 -0.87 0.15 -4.23 12 28 5.86 -169 -135 -102 -33
Noncontrolling Interest		 - - - - 0.00 0.09 0.09 0.09 0.09 0.09 0.09

Quarterly Balance Sheets for FB Financial

This table presents FB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 13,101 12,887 12,490 12,548 12,535 12,920 13,136 13,354 16,236 16,468 16,796
Cash and Due from Banks		 134 148 188 125 193 126 150 143 154 160 147
Federal Funds Sold		 64 48 130 101 92 97 110 352 283 199 229
Interest Bearing Deposits at Other Banks		 1,122 964 530 645 516 728 535 670 842 799 736
Trading Account Securities		 1,557 1,522 1,455 1,547 1,589 1,671 1,753 1,482 1,596 1,730 1,725
Loans and Leases, Net of Allowance		 9,227 9,185 9,141 9,137 9,154 9,322 9,621 9,725 12,113 12,317 12,672
Loans and Leases		 9,366 9,326 9,287 9,289 9,310 9,478 9,772 9,874 12,298 12,504 12,866
Allowance for Loan and Lease Losses		 139 141 146 152 155 156 151 149 185 186 194
Premises and Equipment, Net		 153 155 156 155 155 153 146 147 184 181 180
Goodwill		 243 243 243 243 243 243 243 243 350 350 350
Intangible Assets		 11 10 9.55 7.92 7.17 6.45 5.11 4.48 33 29 28
Other Assets		 515 537 561 511 514 502 501 514 567 592 618
Total Liabilities & Shareholders' Equity		 13,101 12,887 12,490 12,548 12,535 12,920 13,136 13,354 16,236 16,468 16,796
Total Liabilities		 11,731 11,500 11,117 11,069 11,035 11,358 11,534 11,743 14,258 14,494 14,859
Non-Interest Bearing Deposits		 2,489 2,400 2,358 2,182 2,187 2,226 2,164 2,192 2,691 2,664 2,775
Interest Bearing Deposits		 8,694 8,472 8,281 8,323 8,281 8,750 9,038 9,212 11,122 11,412 11,572
Long-Term Debt		 312 390 227 361 361 182 169 164 214 213 315
Other Long-Term Liabilities		 236 238 251 203 206 199 163 175 232 204 198
Total Equity & Noncontrolling Interests		 1,370 1,387 1,373 1,480 1,501 1,562 1,602 1,611 1,978 1,974 1,937
Total Preferred & Common Equity		 1,370 1,387 1,373 1,480 1,501 1,562 1,602 1,611 1,978 1,974 1,937
Total Common Equity		 1,370 1,387 1,373 1,480 1,501 1,562 1,602 1,611 1,978 1,974 1,937
Common Stock		 903 906 909 914 902 905 901 868 1,217 1,116 1,031
Retained Earnings		 616 644 656 698 730 732 793 787 800 893 941
Accumulated Other Comprehensive Income / (Loss)		 -150 -163 -192 -132 -132 -75 -92 -44 -38 -35 -35
Noncontrolling Interest		 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09

Annual Metrics And Ratios for FB Financial

This table displays calculated financial ratios and metrics derived from FB Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $2.12 $3.80 $2.60 $2.70 $1.69 $4.01 $2.64 $2.57 $2.48 $2.47
Adjusted Weighted Average Basic Shares Outstanding		 0.00 19.17M 27.63M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Adjusted Diluted Earnings per Share		 $0.00 $4.14 $3.72 $2.55 $2.65 $1.67 $3.97 $2.64 $2.57 $2.48 $2.45
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 19.31M 28.21M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 24.15M 30.65M 30.83M 31.07M 47.31M 47.56M 46.63M 46.86M 46.68M 51.76M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for FB Financial

This table displays calculated financial ratios and metrics derived from FB Financial's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 51,757,557.00 51,523,462.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 51,757,557.00 51,523,462.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.11 1.14
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.02% -15.40% 2.29% -17.85% 11.98% 21.61% -40.06% 94.23% - 31.89% 127.36%
EBITDA Growth		 -19.49% -22.05% 10.83% -43.70% 24.96% 31.55% -112.16% 109.17% - 51.91% 1,086.89%
EBIT Growth		 -25.46% -25.67% 12.77% -50.78% 39.52% 42.58% -119.12% 159.80% - 51.85% 851.47%
NOPAT Growth		 -23.00% -23.17% 13.26% -46.70% 28.99% 40.83% -117.04% 128.72% - 46.15% 960.77%
Net Income Growth		 -23.00% -23.17% 13.26% -46.70% 28.99% 40.83% -92.71% 128.72% - 46.15% 1,910.87%
EPS Growth		 -22.22% -24.36% 13.33% -46.34% 30.16% 42.37% -92.94% 95.45% - 30.95% 1,783.33%
Operating Cash Flow Growth		 33.35% -63.14% 271.91% 58.76% -67.55% -145.38% 134.41% -17.40% - 288.44% 5.17%
Free Cash Flow Firm Growth		 23.63% -18.77% 83.13% -131.77% 285.08% 183.33% 278.96% -214.85% - -429.62% -627.45%
Invested Capital Growth		 6.01% 9.42% 4.73% 9.05% -5.50% -3.77% -4.61% 25.64% - 23.50% 26.77%
Revenue Q/Q Growth		 6.85% -7.71% 19.33% -30.18% 45.64% 0.23% -41.18% 126.21% - -3.50% 1.40%
EBITDA Q/Q Growth		 50.02% -7.99% 41.62% -71.61% 232.96% -1.72% -112.96% 610.37% - 5.62% -15.82%
EBIT Q/Q Growth		 55.17% -4.65% 48.63% -77.62% 339.88% -2.57% -119.94% 404.08% - 6.21% -1.34%
NOPAT Q/Q Growth		 53.20% -4.86% 43.07% -74.44% 270.78% 3.87% -117.31% 443.02% - 0.95% 1.97%
Net Income Q/Q Growth		 53.20% -4.86% 43.07% -74.44% 270.78% 3.87% -92.59% 701.34% - 0.95% 1.97%
EPS Q/Q Growth		 53.66% -6.35% 44.07% -74.12% 272.73% 2.44% -92.86% 616.67% - -1.79% 2.73%
Operating Cash Flow Q/Q Growth		 147.08% -51.23% -15.56% 56.02% -49.50% -168.21% 536.15% -33.51% - -41.28% 143.43%
Free Cash Flow Firm Q/Q Growth		 -117.77% -73.45% 66.18% -204.90% 203.49% -21.91% -27.38% -636.43% - 0.27% -16.21%
Invested Capital Q/Q Growth		 15.39% -0.29% 1.15% -6.29% -0.01% 1.52% 0.27% 23.43% - 1.21% 2.93%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.19% 36.60% 43.44% 17.66% 40.38% 39.60% -8.72% 19.68% - 45.61% 37.87%
EBIT Margin		 30.85% 31.87% 39.70% 12.73% 38.44% 37.37% -12.67% 17.02% - 43.03% 41.86%
Profit (Net Income) Margin		 25.23% 26.01% 31.19% 11.42% 29.06% 30.12% 3.80% 13.44% - 33.38% 33.57%
Tax Burden Percent		 81.78% 81.61% 78.55% 89.70% 75.61% 80.60% -29.96% 78.96% - 77.58% 80.18%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 18.22% 18.39% 21.45% 10.30% 24.39% 19.40% 0.00% 21.04% - 22.42% 19.82%
Return on Invested Capital (ROIC)		 6.72% 6.77% 7.90% 3.02% 7.38% 7.99% -2.08% 3.50% - 10.15% 11.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.72% 6.77% 7.90% 3.02% 7.38% 7.99% 1.62% 3.50% - 10.15% 11.66%
Return on Net Nonoperating Assets (RNNOA)		 1.95% 1.60% 2.06% 0.42% 1.39% 1.37% 0.27% 0.39% - 1.08% 1.57%
Return on Equity (ROE)		 8.67% 8.37% 9.96% 3.44% 8.76% 9.36% -1.81% 3.89% - 11.23% 13.24%
Cash Return on Invested Capital (CROIC)		 0.87% -2.65% 1.78% -2.23% 12.12% 10.90% 9.69% -17.46% - -13.91% -13.85%
Operating Return on Assets (OROA)		 1.16% 1.14% 1.44% 0.44% 1.36% 1.39% -0.42% 0.60% - 1.75% 1.94%
Return on Assets (ROA)		 0.95% 0.93% 1.13% 0.40% 1.03% 1.12% 0.13% 0.47% - 1.36% 1.56%
Return on Common Equity (ROCE)		 8.67% 8.37% 9.96% 3.43% 8.76% 9.36% -1.81% 3.89% - 11.23% 13.24%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.56% 7.76% 6.88% 0.00% 7.96% 5.61% 5.23% - 7.13% 10.15%
Net Operating Profit after Tax (NOPAT)		 29 28 40 10 38 39 -6.81 23 - 58 59
NOPAT Margin		 25.23% 26.01% 31.19% 11.42% 29.06% 30.12% -8.87% 13.44% - 33.38% 33.57%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -3.70% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 53.35% 51.01% 44.22% 65.47% 43.41% 45.72% 75.04% 41.21% - 40.28% 37.69%
Operating Expenses to Revenue		 68.88% 67.40% 58.56% 85.13% 56.12% 60.88% 105.72% 63.18% - 55.22% 52.35%
Earnings before Interest and Taxes (EBIT)		 36 34 51 11 50 49 -9.74 30 - 74 73
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 42 39 56 16 53 52 -6.71 34 - 79 66
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.26 1.18 1.22 1.40 1.53 1.35 1.29 1.52 - 1.36 1.47
Price to Tangible Book Value (P/TBV)		 1.52 1.42 1.46 1.67 1.82 1.60 1.53 1.88 - 1.69 1.83
Price to Revenue (P/Rev)		 3.83 3.82 3.96 4.96 5.26 4.52 4.87 5.86 - 4.47 4.08
Price to Earnings (P/E)		 15.22 15.65 15.68 20.36 20.64 16.98 23.03 28.99 - 19.09 14.51
Dividend Yield		 1.54% 1.66% 1.65% 1.41% 1.32% 1.51% 1.59% 1.33% - 1.50% 1.45%
Earnings Yield		 6.57% 6.39% 6.38% 4.91% 4.85% 5.89% 4.34% 3.45% - 5.24% 6.89%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.67 0.75 0.81 0.88 0.87 0.61 0.88 - 0.80 0.91
Enterprise Value to Revenue (EV/Rev)		 2.95 2.71 3.01 3.21 3.36 3.21 2.53 3.78 - 2.90 2.94
Enterprise Value to EBITDA (EV/EBITDA)		 8.25 7.76 8.39 9.28 9.35 8.75 9.47 14.67 - 9.66 8.11
Enterprise Value to EBIT (EV/EBIT)		 9.38 8.95 9.62 10.71 10.43 9.54 10.74 16.29 - 10.64 8.33
Enterprise Value to NOPAT (EV/NOPAT)		 11.72 11.09 11.90 13.20 13.18 12.07 11.95 18.69 - 12.38 10.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.68 8.32 8.09 7.51 11.02 17.87 8.49 16.52 - 8.58 9.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 90.44 0.00 42.87 0.00 7.03 7.81 6.13 0.00 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.24 0.24 0.12 0.11 0.11 0.10 0.11 - 0.11 0.16
Long-Term Debt to Equity		 0.27 0.24 0.24 0.12 0.11 0.11 0.10 0.11 - 0.11 0.16
Financial Leverage		 0.29 0.24 0.26 0.14 0.19 0.17 0.17 0.11 - 0.11 0.14
Leverage Ratio		 9.15 9.00 8.80 8.66 8.52 8.33 8.32 8.24 - 8.28 8.50
Compound Leverage Factor		 9.15 9.00 8.80 8.66 8.52 8.33 8.32 8.24 - 8.28 8.50
Debt to Total Capital		 21.18% 19.61% 19.39% 10.44% 10.13% 9.54% 9.26% 9.75% - 9.75% 13.97%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Long-Term Debt to Total Capital		 21.18% 19.61% 19.39% 10.44% 10.13% 9.54% 9.26% 9.75% - 9.75% 13.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.00% - 0.00% 0.00%
Common Equity to Total Capital		 78.81% 80.39% 80.61% 89.56% 89.86% 90.46% 90.73% 90.25% - 90.25% 86.02%
Debt to EBITDA		 2.29 2.26 2.18 1.19 1.08 0.96 1.44 1.62 - 1.18 1.24
Net Debt to EBITDA		 -2.46 -3.19 -2.66 -5.03 -5.30 -3.56 -8.78 -8.08 - -5.23 -3.15
Long-Term Debt to EBITDA		 2.29 2.26 2.18 1.19 1.08 0.96 1.44 1.62 - 1.18 1.24
Debt to NOPAT		 3.25 3.23 3.10 1.69 1.52 1.33 1.82 2.06 - 1.51 1.60
Net Debt to NOPAT		 -3.49 -4.56 -3.78 -7.16 -7.46 -4.91 -11.08 -10.30 - -6.71 -4.06
Long-Term Debt to NOPAT		 3.25 3.23 3.10 1.69 1.52 1.33 1.82 2.06 - 1.51 1.60
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% - 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -75 -131 -44 -135 139 109 79 -424 - -359 -417
Operating Cash Flow to CapEx		 2,038.38% 2,445.58% 1,464.51% 5,227.46% 2,300.29% 0.00% 2,119.34% 2,223.90% - 1,778.27% 4,556.13%
Free Cash Flow to Firm to Interest Expense		 -1.02 -1.70 -0.59 -1.69 1.79 1.51 1.12 -4.73 - -4.52 -5.18
Operating Cash Flow to Interest Expense		 1.01 0.47 0.41 0.60 0.31 -0.23 1.02 0.53 - 0.39 0.94
Operating Cash Flow Less CapEx to Interest Expense		 0.96 0.45 0.38 0.59 0.30 -0.23 0.97 0.51 - 0.37 0.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.04 0.04 0.03 0.04 - 0.04 0.05
Fixed Asset Turnover		 3.16 2.97 2.98 2.86 2.99 3.18 2.83 3.04 - 3.67 4.27
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,846 1,840 1,862 1,745 1,744 1,771 1,776 2,192 - 2,187 2,251
Invested Capital Turnover		 0.27 0.26 0.25 0.26 0.25 0.27 0.24 0.26 - 0.30 0.35
Increase / (Decrease) in Invested Capital		 105 159 84 145 -101 -69 -86 447 - 416 475
Enterprise Value (EV)		 1,409 1,240 1,387 1,419 1,529 1,538 1,080 1,935 - 1,744 2,054
Market Capitalization		 1,829 1,749 1,827 2,189 2,395 2,164 2,082 3,002 - 2,688 2,852
Book Value per Share		 $31.06 $31.49 $31.93 $33.50 $33.59 $34.32 $35.06 $36.73 - $38.14 $37.59
Tangible Book Value per Share		 $25.69 $26.16 $26.62 $28.16 $28.27 $29.01 $29.69 $29.61 - $30.80 $30.25
Total Capital		 1,846 1,840 1,862 1,745 1,744 1,771 1,776 2,192 - 2,187 2,251
Total Debt		 391 361 361 182 177 169 164 214 - 213 315
Total Long-Term Debt		 391 361 361 182 177 169 164 214 - 213 315
Net Debt		 -420 -510 -440 -770 -866 -626 -1,001 -1,066 - -945 -798
Capital Expenditures (CapEx)		 3.65 1.48 2.09 0.91 1.05 -0.17 3.39 2.15 - 1.74 1.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 -9.73 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 391 361 361 182 177 169 164 214 - 213 315
Total Depreciation and Amortization (D&A)		 6.21 5.08 4.79 4.42 2.53 2.91 3.03 4.62 - 4.45 -6.99
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.63 $0.60 $0.85 $0.22 $0.81 $0.84 $0.06 $0.44 $1.13 $1.11 $1.14
Adjusted Weighted Average Basic Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M
Adjusted Diluted Earnings per Share		 $0.63 $0.59 $0.85 $0.22 $0.82 $0.84 $0.06 $0.43 $1.12 $1.10 $1.13
Adjusted Weighted Average Diluted Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 46.86M 46.99M 46.64M 46.66M 46.68M 45.95M 53.85M 53.46M 51.76M 51.52M 49.98M
Normalized Net Operating Profit after Tax (NOPAT)		 29 28 40 10 38 40 -4.90 36 - 59 59
Normalized NOPAT Margin		 25.23% 26.01% 31.19% 11.42% 29.06% 30.37% -6.38% 20.74% - 34.03% 33.57%
Pre Tax Income Margin		 30.85% 31.87% 39.70% 12.73% 38.44% 37.37% -12.67% 17.02% - 43.03% 41.86%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.49 0.45 0.68 0.14 0.64 0.68 -0.14 0.33 - 0.93 0.91
NOPAT to Interest Expense		 0.40 0.36 0.53 0.13 0.49 0.55 -0.10 0.26 - 0.72 0.73
EBIT Less CapEx to Interest Expense		 0.44 0.43 0.65 0.13 0.63 0.68 -0.19 0.31 - 0.91 0.89
NOPAT Less CapEx to Interest Expense		 0.35 0.35 0.51 0.12 0.47 0.55 -0.14 0.24 - 0.70 0.71
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.33% 25.99% 25.71% 28.71% 27.38% 25.72% 37.14% 34.44% - 28.66% 21.62%
Augmented Payout Ratio		 27.45% 25.99% 36.62% 40.52% 38.33% 43.45% 85.97% 100.12% - 147.87% 132.44%

Financials Breakdown Chart

Key Financial Trends

FB Financial’s recent results show a marked improvement in profitability and balance-sheet growth. Second-quarter 2026 net income rose to $58.7 million, or $1.13 per diluted share, compared with $57.5 million and $1.10 per share in the first quarter. This was a substantial recovery from the restated $2.9 million profit reported in the second quarter of 2025. Investors should note that several 2023–2025 figures were restated, which may limit direct comparisons with previously published results.

  • Net interest income has expanded substantially. Q2 2026 net interest income reached $149.0 million, up from $145.97 million in Q1 2026 and $111.4 million in Q2 2025. It is also well above the roughly $101 million to $108 million quarterly range reported during 2022 and 2023.
  • Profitability has remained strong through the first half of 2026. FB Financial generated approximately $116.2 million of net income in Q1 and Q2 2026 combined, while diluted EPS increased from $0.43 in Q3 2025 to $1.10 in Q1 2026 and $1.13 in Q2 2026.
  • Share repurchases are supporting per-share results. The company repurchased $84.2 million of common stock in Q2 2026 after buying back $21.8 million in Q1. Weighted-average shares declined to 50.0 million in Q2 from 51.5 million in Q1 and 53.8 million in Q2 2025.
  • Loans and deposits continue to grow. Net loans reached $12.67 billion at June 30, 2026, up from $9.15 billion in Q2 2024 and $8.97 billion in Q3 2022. Total deposits increased to approximately $14.35 billion, compared with $10.00 billion in Q2 2024.
  • The capital base has strengthened alongside asset growth. Total common equity increased to $1.94 billion in Q2 2026 from $1.50 billion in Q2 2024 and $1.28 billion in Q3 2022, while total assets grew to $16.80 billion from $12.54 billion in Q2 2024.
  • Operating cash generation improved sequentially. Net cash from operating activities rose to $75.5 million in Q2 2026 from $31.0 million in Q1 and $52.8 million in Q4 2025. Cash generation was also stronger than the $30.6 million reported in Q3 2024.
  • Noninterest revenue is relatively stable but not a major growth driver. Q2 2026 noninterest income was $25.8 million, close to the $26.4 million generated in Q1 and the $26.6 million reported in Q3 2025. Service-charge revenue remains the primary contributor, while investment gains and losses have generally been small recently.
  • Liquidity is being actively redeployed. FB Financial held $1.11 billion in cash, federal funds sold and interest-bearing deposits at other banks at quarter-end, while trading securities totaled $1.73 billion. The company’s investment activity suggests a shift toward deploying excess liquidity into securities and earning assets.
  • Credit-loss provisions have increased. The Q2 2026 provision for credit losses was $10.1 million, up from $3.0 million in Q1 2026 and $5.3 million in Q2 2025. The allowance for loan losses also rose to $194.0 million from $148.9 million in Q2 2025, indicating that management is reserving more against potential credit deterioration.
  • Investing activity produced a substantial cash outflow. FB Financial purchased $470.2 million of investment securities in Q2 2026, resulting in $395.1 million of net cash used in investing activities and a $45.4 million decline in cash and equivalents for the quarter. Although deposits increased by $270.3 million, continued securities purchases could pressure liquidity if deposit growth slows.

Overall, FB Financial enters the second half of 2026 with stronger earnings, growing loans and deposits, rising equity and an active capital-return program. The main issues for investors to monitor are the rising loan-loss allowance, the sustainability of improved net interest income and whether large investment-security purchases can be funded without increasing liquidity or interest-rate risk.

09/03/26 02:06 PM ETAI Generated. May Contain Errors.

FB Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, FB Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

FB Financial's net income appears to be on an upward trend, with a most recent value of $122.64 million in 2025, rising from $47.86 million in 2015. The previous period was $116.05 million in 2024. See FB Financial's forecast for analyst expectations on what's next for the company.

Over the last 10 years, FB Financial's total revenue changed from $186.25 million in 2015 to $560.01 million in 2025, a change of 200.7%.

FB Financial's total liabilities were at $14.35 billion at the end of 2025, a 23.8% increase from 2024, and a 439.0% increase since 2015.

In the past 10 years, FB Financial's cash and equivalents has ranged from $29.83 million in 2017 to $259.87 million in 2022, and is currently $196.21 million as of their latest financial filing in 2025.


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Financial statements for NYSE:FBK last updated on 8/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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