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FB Financial Corporation (FBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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FB Financial Corporation (FBK) stock price & volume — 10-year historical chart
FB Financial Corporation (FBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
FB Financial Corporation (FBK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 13, 2026 | $1.12vs $1.13-0.9% | $172Mvs $175M-1.7% |
| Q1 2026 | Feb 26, 2026 | $1.07 | $264M |
| Q1 2026 | Jan 21, 2026 | $1.16vs $1.14+1.8% | $179Mvs $176M+1.5% |
| Q4 2025 | Oct 14, 2025 | $1.07vs $0.96+11.5% | $174Mvs $168M+3.6% |
FB Financial Corporation (FBK) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
FB Financial Corporation (FBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FB Financial Corporation (FBK) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 153.27M | 204.07M | 226.04M | 265.66M | 347.37M | 412.24M | 407.22M | 416.5M | 516.1M |
NII Growth % | 38.14% | 33.14% | 10.76% | 17.53% | 30.76% | 18.67% | -1.22% | 2.28% | 23.91% |
Net Interest Margin % | 3.24% | 3.97% | 3.69% | 2.37% | 2.76% | 3.21% | 3.23% | 3.17% | 3.17% |
Interest Income | 169.61M | 239.57M | 282.54M | 314.64M | 385M | 481.42M | 678.41M | 725.54M | 833.93M |
Interest Expense | 16.34M | 35.5M | 56.5M | 48.99M | 37.63M | 69.19M | 271.19M | 309.04M | 317.83M |
Loan Loss Provision | -950K | 5.4M | 7.05M | 107.97M | -40.99M | 18.98M | 2.54M | 12M | 43.28M |
Non-Interest Income | 141.58M | 130.64M | 135.4M | 301.86M | 228.25M | 114.93M | 70.57M | 41.24M | 43.91M |
Non-Interest Income % | 45.5% | 35.29% | 32.4% | 48.96% | 37.22% | 19.27% | 9.42% | 5.38% | 5% |
Total Revenue | 311.19M▲ 0% | 370.21M▲ 19.0% | 417.93M▲ 12.9% | 616.5M▲ 47.5% | 613.25M▼ 0.5% | 596.35M▼ 2.8% | 748.98M▲ 25.6% | 766.77M▲ 2.4% | 877.84M▲ 14.5% |
Revenue Growth % | 17.35% | 18.97% | 12.89% | 47.51% | -0.53% | -2.76% | 25.59% | 2.38% | 14.48% |
Non-Interest Expense | 222.32M | 223.46M | 244.84M | 377.08M | 373.57M | 348.61M | 324.96M | 299.07M | 378.21M |
Efficiency Ratio | 71.44% | 60.36% | 58.58% | 61.17% | 60.92% | 58.46% | 43.39% | 39% | 43.08% |
Operating Income | 73.48M▲ 0% | 105.85M▲ 44.0% | 109.54M▲ 3.5% | 82.46M▼ 24.7% | 243.05M▲ 194.7% | 159.57M▼ 34.3% | 150.29M▼ 5.8% | 146.67M▼ 2.4% | 138.52M▼ 5.6% |
Operating Margin % | 23.61% | 28.59% | 26.21% | 13.38% | 39.63% | 26.76% | 20.07% | 19.13% | 15.78% |
Operating Income Growth % | 17.91% | 44.05% | 3.48% | -24.72% | 194.75% | -34.35% | -5.82% | -2.41% | -5.56% |
Pretax Income | 73.48M▲ 0% | 105.85M▲ 44.0% | 109.54M▲ 3.5% | 82.46M▼ 24.7% | 243.05M▲ 194.7% | 159.57M▼ 34.3% | 150.29M▼ 5.8% | 146.67M▼ 2.4% | 138.52M▼ 5.6% |
Pretax Margin % | 23.61% | 28.59% | 26.21% | 13.38% | 39.63% | 26.76% | 20.07% | 19.13% | 15.78% |
Income Tax | 21.09M | 25.62M | 25.73M | 18.83M | 52.75M | 35M | 30.05M | 30.62M | 15.88M |
Effective Tax Rate % | 28.7% | 24.2% | 23.48% | 22.84% | 21.7% | 21.94% | 20% | 20.88% | 11.46% |
Net Income | 52.4M▲ 0% | 80.24M▲ 53.1% | 83.81M▲ 4.5% | 63.62M▼ 24.1% | 190.28M▲ 199.1% | 124.56M▼ 34.5% | 120.22M▼ 3.5% | 116.03M▼ 3.5% | 122.62M▲ 5.7% |
Net Margin % | 16.84% | 21.67% | 20.05% | 10.32% | 31.03% | 20.89% | 16.05% | 15.13% | 13.97% |
Net Income Growth % | 29.09% | 53.13% | 4.46% | -24.09% | 199.09% | -34.54% | -3.48% | -3.48% | 5.68% |
Net Income (Continuing) | 52.4M | 80.24M | 83.81M | 63.63M | 190.3M | 124.57M | 120.24M | 116.03M | 122.63M |
EPS (Diluted) | 1.86▲ 0% | 2.56▲ 37.6% | 2.65▲ 3.5% | 1.67▼ 37.0% | 3.97▲ 137.7% | 2.64▼ 33.5% | 2.57▼ 2.7% | 2.48▼ 3.5% | 2.40▼ 3.2% |
EPS Growth % | -11.43% | 37.63% | 3.52% | -36.98% | 137.72% | -33.5% | -2.65% | -3.5% | -3.23% |
EPS (Basic) | 1.90 | 2.62 | 2.70 | 1.69 | 4.01 | 2.64 | 2.57 | 2.49 | 2.41 |
Diluted Shares Outstanding | 28.21M | 31.32M | 31.4M | 38.1M | 47.96M | 47.24M | 46.82M | 46.83M | 53.07M |
FB Financial Corporation (FBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 589.89M | 749.69M | 789.94M | 2.37B | 3.35B | 2.29B | 1.71B | 1.74B | 2.62B |
Cash & Due from Banks | 53.62M | 93.99M | 101.56M | 1.2B | 1.67B | 816.52M | 727.61M | 916.66M | 1.16B |
Short Term Investments | 536.27M | 655.7M | 688.38M | 1.17B | 1.68B | 1.47B | 978.21M | 826.7M | 1.46B |
Total Investments | 4.22B | 4.59B | 5.35B | 9.06B | 9.95B | 10.85B | 10.86B | 11.19B | 1.46B |
Investments Growth % | 43.81% | 8.71% | 16.65% | 69.15% | 9.85% | 9.04% | 0.09% | 3.04% | -86.95% |
Long-Term Investments | 3.69B | 3.93B | 4.67B | 7.89B | 8.27B | 9.38B | 9.88B | 10.36B | 0 |
Accounts Receivables | 13.07M | 14.5M | 17.08M | 43.6M | 38.53M | 45.68M | 52.72M | 49.61M | 0 |
Goodwill & Intangibles | 230.16M | 238.96M | 264.16M | 346.13M | 375.03M | 423.29M | 416.04M | 411.75M | 381.64M |
Goodwill | 137.19M | 137.19M | 169.05M | 242.56M | 242.56M | 242.56M | 242.56M | 242.56M | 350.35M |
Intangible Assets | 92.97M | 101.77M | 95.11M | 103.57M | 132.47M | 180.73M | 173.48M | 169.19M | 31.28M |
PP&E (Net) | 81.58M | 86.88M | 122.67M | 194.65M | 185.43M | 206.36M | 210.03M | 196.86M | 0 |
Other Assets | 120.36M | 99.53M | 238.2M | 317.97M | 306.72M | 413.66M | 252.05M | 293.42M | -381.64M |
Total Current Assets | 609.14M | 776.58M | 833.59M | 2.45B | 3.46B | 2.37B | 1.81B | 1.87B | 2.62B |
Total Non-Current Assets | 4.12B | 4.36B | 5.29B | 8.76B | 9.14B | 10.46B | 10.79B | 11.29B | 0 |
Total Assets | 4.73B▲ 0% | 5.14B▲ 8.7% | 6.12B▲ 19.2% | 11.21B▲ 83.0% | 12.6B▲ 12.4% | 12.85B▲ 2.0% | 12.6B▼ 1.9% | 13.16B▲ 4.4% | 16.3B▲ 23.9% |
Asset Growth % | 44.27% | 8.65% | 19.24% | 82.98% | 12.41% | 1.98% | -1.89% | 4.39% | 23.89% |
Return on Assets (ROA) | 1.31% | 1.63% | 1.49% | 0.73% | 1.6% | 0.98% | 0.94% | 0.9% | 0.83% |
Accounts Payable | 1.5M | 5.01M | 6.46M | 6.77M | 3.16M | 8.65M | 18.81M | 24.18M | 0 |
Total Debt | 580.63M | 230.42M | 345.75M | 299.69M | 226.52M | 494.99M | 468.35M | 246.55M | 333.88M |
Net Debt | 527.01M | 136.43M | 244.18M | -897.05M | -1.44B | -321.53M | -259.25M | -670.11M | -822.02M |
Long-Term Debt | 347.6M | 230.42M | 310.22M | 244.51M | 180.15M | 425.24M | 291.95M | 173.03M | 273.32M |
Short-Term Debt | 233.03M | 0 | 0 | 0 | 0 | 0 | 108.76M | 13.5M | 0 |
Other Liabilities | -138.42M | 33.06M | 38.44M | 115.62M | 69.46M | 149.18M | 95.66M | 81.78M | 13.95B |
Total Current Liabilities | 3.91B | 4.18B | 4.96B | 9.5B | 10.86B | 10.88B | 10.69B | 11.28B | 71.05M |
Total Non-Current Liabilities | 221.03M | 280.15M | 404.67M | 415.31M | 302.79M | 644.16M | 455.25M | 314.83M | 14.28B |
Total Liabilities | 4.13B | 4.46B | 5.36B | 9.92B | 11.16B | 11.52B | 11.15B | 11.59B | 14.35B |
Total Equity | 596.73M▲ 0% | 671.86M▲ 12.6% | 762.33M▲ 13.5% | 1.29B▲ 69.4% | 1.43B▲ 10.9% | 1.33B▼ 7.5% | 1.45B▲ 9.8% | 1.57B▲ 7.7% | 1.95B▲ 24.3% |
Equity Growth % | 80.55% | 12.59% | 13.47% | 69.4% | 10.94% | -7.48% | 9.76% | 7.75% | 24.27% |
Equity / Assets (Capital Ratio) | 12.62% | 13.08% | 12.45% | 11.52% | 11.37% | 10.32% | 11.54% | 11.91% | 11.95% |
Return on Equity (ROE) | 11.3% | 12.65% | 11.69% | 6.2% | 13.97% | 9.03% | 8.65% | 7.68% | 6.98% |
Book Value per Share | 21.15 | 21.45 | 24.28 | 33.89 | 29.88 | 28.06 | 31.07 | 33.47 | 36.71 |
Tangible BV per Share | 13.00 | 13.82 | 15.86 | 24.81 | 22.05 | 19.10 | 22.19 | 24.68 | 29.52 |
Common Stock | 30.54M | 30.73M | 31.03M | 47.22M | 47.55M | 46.74M | 46.85M | 46.66M | 51.75M |
Additional Paid-in Capital | 418.6M | 424.15M | 425.63M | 898.85M | 892.53M | 861.59M | 864.26M | 860.27M | 1.08B |
Retained Earnings | 146.8M | 221.21M | 293.52M | 317.63M | 486.67M | 586.53M | 678.41M | 762.29M | 846.62M |
Accumulated OCI | 148K | -4.23M | 12.14M | 27.59M | 5.86M | -169.43M | -134.72M | -101.68M | -32.55M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FB Financial Corporation (FBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 37.61M | 212.21M | 63.91M | -270M | 54.88M | 799.71M | 211.07M | 138.8M | 155.86M |
Operating CF Growth % | 115.34% | 464.23% | -69.89% | -522.51% | 120.32% | 1357.26% | -73.61% | -34.24% | 12.29% |
Net Income | 52.4M | 80.24M | 83.81M | 63.63M | 190.3M | 124.57M | 120.22M | 116.05M | 122.64M |
Depreciation & Amortization | 6.31M | 7.52M | 9.52M | 12.86M | 13.89M | 12.6M | 14.84M | 14.91M | 17.35M |
Deferred Taxes | 6.46M | 6.36M | -1.92M | -25.53M | 30.77M | 12.55M | -1.42M | -1.76M | -4.89M |
Other Non-Cash Items | -88.42M | 149.96M | -2.68M | -320.05M | -148.55M | 585.69M | 72.64M | 21.57M | 3.46M |
Working Capital Changes | 54.1M | -39.07M | -31.92M | -11.12M | -41.79M | 54.05M | -5.6M | -21.46M | 0 |
Cash from Investing | -267.17M | -586.5M | -182.91M | 309.42M | -849.56M | -1.75B | -55.22M | -294M | -32.48M |
Purchase of Investments | -81.35M | -203.84M | -151.43M | -424.97M | -847.21M | -252.89M | -202.05M | -915.43M | 0 |
Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
Net Investment Activity | -80.35M | -202.84M | -150.43M | -423.97M | -846.21M | -251.89M | -201.05M | -914.43M | 1000K |
Acquisitions | -135.14M | 0 | 171.03M | 248.45M | 0 | 0 | 0 | 0 | 370.15M |
Other Investing | -224.22M | -448.32M | -333.22M | 124.84M | -301.36M | -1.7B | -64.69M | -198.28M | -405.27M |
Cash from Financing | 212.98M | 379.9M | 226.33M | 1.05B | 1.27B | 184.1M | -371.98M | 386.76M | 0 |
Dividends Paid | 0 | -6.14M | -10.04M | -14.18M | -20.87M | -24.5M | -28.06M | -31.78M | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | -7.59M | -39.98M | -4.94M | -12.7M | 0 |
Stock Issued | 153.36M | 1.2M | 804K | 978K | 1.48M | 1.21M | 723K | 882K | 0 |
Net Stock Activity | 153.36M | 1.2M | 804K | 978K | -6.12M | -38.77M | -4.22M | -11.82M | 0 |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 0 |
Other Financing | 6.05M | 509.31M | 167.34M | 1.19B | 1.38B | 72.37M | -294.7M | 560.36M | 0 |
Net Change in Cash | -16.58M▲ 0% | 5.61M▲ 133.8% | 107.33M▲ 1814.8% | 1.09B▲ 911.2% | 479.84M▼ 55.8% | -770.69M▼ 260.6% | -216.12M▲ 72.0% | 231.56M▲ 207.1% | 0▼ 100.0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 136.33M | 119.75M | 125.36M | 232.68M | 1.32B | 1.8B | 1.03B | 810.93M | 0 |
Cash at End | 119.75M | 125.36M | 232.68M | 1.32B | 1.8B | 1.03B | 810.93M | 1.04B | 0 |
Interest Paid | 15.47M | 31.99M | 55.05M | 48.68M | 41.24M | 63.7M | 261.03M | 303.66M | 0 |
Income Taxes Paid | 22.29M | 24.39M | 25.29M | 20.42M | 61.69M | 906K | 37.94M | 43.2M | 0 |
Free Cash Flow | 33.06M▲ 0% | 202.06M▲ 511.1% | 57.09M▼ 71.7% | -275.94M▼ 583.3% | 48.78M▲ 117.7% | 789.08M▲ 1517.8% | 190.84M▼ 75.8% | 132.25M▼ 30.7% | 155.86M▲ 17.9% |
FCF Growth % | 113.23% | 511.11% | -71.75% | -583.31% | 117.68% | 1517.77% | -75.81% | -30.7% | 17.85% |
FB Financial Corporation (FBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.31% | 11.3% | 12.65% | 11.69% | 6.2% | 13.97% | 9.03% | 8.65% | 7.68% | 6.98% |
| Return on Assets (ROA) | 1.31% | 1.31% | 1.63% | 1.49% | 0.73% | 1.6% | 0.98% | 0.94% | 0.9% | 0.83% |
| Net Interest Margin | 3.39% | 3.24% | 3.97% | 3.69% | 2.37% | 2.76% | 3.21% | 3.23% | 3.17% | 3.17% |
| Efficiency Ratio | 73.46% | 71.44% | 60.36% | 58.58% | 61.17% | 60.92% | 58.46% | 43.39% | 39% | 43.08% |
| Equity / Assets | 10.09% | 12.62% | 13.08% | 12.45% | 11.52% | 11.37% | 10.32% | 11.54% | 11.91% | 11.95% |
| Book Value / Share | 17.11 | 21.15 | 21.45 | 24.28 | 33.89 | 29.88 | 28.06 | 31.07 | 33.47 | 36.71 |
| NII Growth | 18.19% | 38.14% | 33.14% | 10.76% | 17.53% | 30.76% | 18.67% | -1.22% | 2.28% | 23.91% |
| Dividend Payout | 170.73% | - | 7.65% | 11.98% | 22.28% | 10.97% | 19.67% | 23.34% | 27.39% | - |
FB Financial Corporation (FBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 13, 2026·SEC
Feb 11, 2026·SEC
Feb 3, 2026·SEC
FB Financial Corporation (FBK) stock FAQ — growth, dividends, profitability & financials explained
FB Financial Corporation (FBK) grew revenue by 14.5% over the past year. This is steady growth.
Yes, FB Financial Corporation (FBK) is profitable, generating $140.2M in net income for fiscal year 2025 (14.0% net margin).
FB Financial Corporation (FBK) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
FB Financial Corporation (FBK) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
FB Financial Corporation (FBK) has an efficiency ratio of 43.1%. This is excellent, indicating strong cost control.