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FBKFB Financial Corporation$52.6900$2.7B
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FBK logoFB Financial Corporation(FBK)Earnings, Financials & Key Ratios

FBK•NYSE•Banking & Credit
22.0× P/E·Price updated May 30, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryMortgage originators and servicers
AboutFB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services to businesses, professionals, and individuals. The company operates in two segments, Banking and Mortgage. It offers checking, demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits and certificates of deposits, as well as engages in the mortgage origination business. The company also provides owner-occupied and non-owner-occupied real estate commercial, residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition, residential lines of credit, and land development loans; and consumer and other loans, such as car, boat, and other recreational vehicle loans, as well as manufactured homes without real estate and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch networks in the southeastern United States; an internet delivery channel; and trust, insurance, and investment services, as well as online and mobile banking services. As of December 31, 2021, it operated 82 full-service bank branches and 9 limited-service branches locations throughout Tennessee, North Alabama, Southern Kentucky, and North Georgia; and 23 mortgage offices throughout the southeastern United States. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.Show more
  • Net Interest Income$516M+23.9%
  • Total Revenue$878M+14.5%
  • Net Income$123M+5.7%
  • Return on Equity6.98%-9.1%
  • Net Interest Margin3.17%
  • Efficiency Ratio43.08%+10.5%
  • ROA0.83%-7.6%
  • Equity / Assets11.95%+0.3%
  • Book Value per Share36.71+9.7%
  • Tangible BV/Share29.52+19.6%
  • Debt/Equity0.17+9.0%

FBK Key Insights

FB Financial Corporation (FBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 43.1% efficiency ratio
  • ✓Well capitalized: 12.0% equity/assets
  • ✓Trading at only 1.4x book value

✗Weaknesses

  • ✗Shares diluted 13.3% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FBK Price & Volume

FB Financial Corporation (FBK) stock price & volume — 10-year historical chart

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FBK Growth Metrics

FB Financial Corporation (FBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years16.39%
5 Years7.32%
3 Years13.75%
TTM-

Profit CAGR

10 Years9.87%
5 Years14.02%
3 Years-0.52%
TTM10.04%

EPS CAGR

10 Years1.84%
5 Years7.52%
3 Years-3.13%
TTM0.11%

Return on Capital

10 Years9.62%
5 Years7.95%
3 Years5.67%
Last Year1.53%

FBK Recent Earnings

FB Financial Corporation (FBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 13, 2026
EPS
$1.12
Est $1.13
-0.9%
Revenue
$172M
Est $175M
-1.7%
Q1 2026
Feb 26, 2026
EPS
$1.07
Revenue
$264M
Q1 2026
Jan 21, 2026
EPS
$1.16
Est $1.14
+1.8%
Revenue
$179M
Est $176M
+1.5%
Q4 2025
Oct 14, 2025
EPS
$1.07
Est $0.96
+11.5%
Revenue
$174M
Est $168M
+3.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 13, 2026
$1.12vs $1.13-0.9%
$172Mvs $175M-1.7%
Q1 2026Feb 26, 2026
$1.07
$264M
Q1 2026Jan 21, 2026
$1.16vs $1.14+1.8%
$179Mvs $176M+1.5%
Q4 2025Oct 14, 2025
$1.07vs $0.96+11.5%
$174Mvs $168M+3.6%
Based on last 12 quarters of dataView full earnings history →

FBK Peer Comparison

FB Financial Corporation (FBK) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.11B21.45-7.27-56.66%-11.63%0.19
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.27B26.7613.319.47%10.86%0.30
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.06B43.4113.2812.33%8.6%0.17
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.65B32.6820.9518.79%13.25%0.12
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.05B29.6412.898.35%8.39%0.51
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.5M34.3210.50-0.3%14.2%0.23
PFSI logoPFSIPennyMac Financial Services, Inc.Product Competitor4.38B83.879.02173.81%12.02%5.35
UWMC logoUWMCUWM Holdings CorporationProduct Competitor475.97M3.0625.5065.83%1.67%9.06

Compare FBK vs Peers

FB Financial Corporation (FBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for FBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, UBSI, FFIN

FBK Income Statement

FB Financial Corporation (FBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
153.27M204.07M226.04M265.66M347.37M412.24M407.22M416.5M516.1M
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
169.61M239.57M282.54M314.64M385M481.42M678.41M725.54M833.93M
Interest Expense
16.34M35.5M56.5M48.99M37.63M69.19M271.19M309.04M317.83M
Loan Loss Provision
-950K5.4M7.05M107.97M-40.99M18.98M2.54M12M43.28M
Non-Interest Income
141.58M130.64M135.4M301.86M228.25M114.93M70.57M41.24M43.91M
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
222.32M223.46M244.84M377.08M373.57M348.61M324.96M299.07M378.21M
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
21.09M25.62M25.73M18.83M52.75M35M30.05M30.62M15.88M
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)
52.4M80.24M83.81M63.63M190.3M124.57M120.24M116.03M122.63M
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)
1.902.622.701.694.012.642.572.492.41
Diluted Shares Outstanding
28.21M31.32M31.4M38.1M47.96M47.24M46.82M46.83M53.07M

FBK Balance Sheet

FB Financial Corporation (FBK) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
589.89M749.69M789.94M2.37B3.35B2.29B1.71B1.74B2.62B
Cash & Due from Banks
53.62M93.99M101.56M1.2B1.67B816.52M727.61M916.66M1.16B
Short Term Investments
536.27M655.7M688.38M1.17B1.68B1.47B978.21M826.7M1.46B
Total Investments
4.22B4.59B5.35B9.06B9.95B10.85B10.86B11.19B1.46B
Investments Growth %
43.81%8.71%16.65%69.15%9.85%9.04%0.09%3.04%-86.95%
Long-Term Investments
3.69B3.93B4.67B7.89B8.27B9.38B9.88B10.36B0
Accounts Receivables
13.07M14.5M17.08M43.6M38.53M45.68M52.72M49.61M0
Goodwill & Intangibles
230.16M238.96M264.16M346.13M375.03M423.29M416.04M411.75M381.64M
Goodwill
137.19M137.19M169.05M242.56M242.56M242.56M242.56M242.56M350.35M
Intangible Assets
92.97M101.77M95.11M103.57M132.47M180.73M173.48M169.19M31.28M
PP&E (Net)
81.58M86.88M122.67M194.65M185.43M206.36M210.03M196.86M0
Other Assets
120.36M99.53M238.2M317.97M306.72M413.66M252.05M293.42M-381.64M
Total Current Assets
609.14M776.58M833.59M2.45B3.46B2.37B1.81B1.87B2.62B
Total Non-Current Assets
4.12B4.36B5.29B8.76B9.14B10.46B10.79B11.29B0
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
1.5M5.01M6.46M6.77M3.16M8.65M18.81M24.18M0
Total Debt
580.63M230.42M345.75M299.69M226.52M494.99M468.35M246.55M333.88M
Net Debt
527.01M136.43M244.18M-897.05M-1.44B-321.53M-259.25M-670.11M-822.02M
Long-Term Debt
347.6M230.42M310.22M244.51M180.15M425.24M291.95M173.03M273.32M
Short-Term Debt
233.03M00000108.76M13.5M0
Other Liabilities
-138.42M33.06M38.44M115.62M69.46M149.18M95.66M81.78M13.95B
Total Current Liabilities
3.91B4.18B4.96B9.5B10.86B10.88B10.69B11.28B71.05M
Total Non-Current Liabilities
221.03M280.15M404.67M415.31M302.79M644.16M455.25M314.83M14.28B
Total Liabilities
4.13B4.46B5.36B9.92B11.16B11.52B11.15B11.59B14.35B
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
21.1521.4524.2833.8929.8828.0631.0733.4736.71
Tangible BV per Share
13.0013.8215.8624.8122.0519.1022.1924.6829.52
Common Stock
30.54M30.73M31.03M47.22M47.55M46.74M46.85M46.66M51.75M
Additional Paid-in Capital
418.6M424.15M425.63M898.85M892.53M861.59M864.26M860.27M1.08B
Retained Earnings
146.8M221.21M293.52M317.63M486.67M586.53M678.41M762.29M846.62M
Accumulated OCI
148K-4.23M12.14M27.59M5.86M-169.43M-134.72M-101.68M-32.55M
Treasury Stock
000000000
Preferred Stock
000000000

FBK Cash Flow Statement

FB Financial Corporation (FBK) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
37.61M212.21M63.91M-270M54.88M799.71M211.07M138.8M155.86M
Operating CF Growth %
115.34%464.23%-69.89%-522.51%120.32%1357.26%-73.61%-34.24%12.29%
Net Income
52.4M80.24M83.81M63.63M190.3M124.57M120.22M116.05M122.64M
Depreciation & Amortization
6.31M7.52M9.52M12.86M13.89M12.6M14.84M14.91M17.35M
Deferred Taxes
6.46M6.36M-1.92M-25.53M30.77M12.55M-1.42M-1.76M-4.89M
Other Non-Cash Items
-88.42M149.96M-2.68M-320.05M-148.55M585.69M72.64M21.57M3.46M
Working Capital Changes
54.1M-39.07M-31.92M-11.12M-41.79M54.05M-5.6M-21.46M0
Cash from Investing
-267.17M-586.5M-182.91M309.42M-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-915.43M0
Sale/Maturity of Investments
1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity
-80.35M-202.84M-150.43M-423.97M-846.21M-251.89M-201.05M-914.43M1000K
Acquisitions
-135.14M0171.03M248.45M0000370.15M
Other Investing
-224.22M-448.32M-333.22M124.84M-301.36M-1.7B-64.69M-198.28M-405.27M
Cash from Financing
212.98M379.9M226.33M1.05B1.27B184.1M-371.98M386.76M0
Dividends Paid
0-6.14M-10.04M-14.18M-20.87M-24.5M-28.06M-31.78M0
Share Repurchases
0000-7.59M-39.98M-4.94M-12.7M0
Stock Issued
153.36M1.2M804K978K1.48M1.21M723K882K0
Net Stock Activity
153.36M1.2M804K978K-6.12M-38.77M-4.22M-11.82M0
Debt Issuance (Net)
1000K-1000K1000K-1000K-1000K1000K-1000K-1000K0
Other Financing
6.05M509.31M167.34M1.19B1.38B72.37M-294.7M560.36M0
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
000000000
Cash at Beginning
136.33M119.75M125.36M232.68M1.32B1.8B1.03B810.93M0
Cash at End
119.75M125.36M232.68M1.32B1.8B1.03B810.93M1.04B0
Interest Paid
15.47M31.99M55.05M48.68M41.24M63.7M261.03M303.66M0
Income Taxes Paid
22.29M24.39M25.29M20.42M61.69M906K37.94M43.2M0
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%

FBK Banking Ratios

FB Financial Corporation (FBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.39%3.24%3.97%3.69%2.37%2.76%3.21%3.23%3.17%3.17%
Efficiency Ratio73.46%71.44%60.36%58.58%61.17%60.92%58.46%43.39%39%43.08%
Equity / Assets10.09%12.62%13.08%12.45%11.52%11.37%10.32%11.54%11.91%11.95%
Book Value / Share17.1121.1521.4524.2833.8929.8828.0631.0733.4736.71
NII Growth18.19%38.14%33.14%10.76%17.53%30.76%18.67%-1.22%2.28%23.91%
Dividend Payout170.73%-7.65%11.98%22.28%10.97%19.67%23.34%27.39%-
Related:FBK Dividend History·FBK Revenue History·FBK Price History·FBK P/E History·FBK Financial Ratios·FBK Institutional Holders

FBK SEC Filings & Documents

FB Financial Corporation (FBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 13, 2026·SEC

Material company update

Feb 11, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 4, 2025·SEC

FY 2025

May 5, 2025·SEC

FBK Frequently Asked Questions

FB Financial Corporation (FBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

FB Financial Corporation (FBK) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.

Industry Metrics

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.

What if you invested $1,000 in FBK back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

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How much would $100/month in FBK be worth today?

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