FBK
FB Financial Corporation58.09
-0.74-1.26%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Reaffirms growth; hiring, M&A details
Q&A largely reaffirmed prepared guidance for mid-to-high single-digit 2026 loan and deposit growth, but clarified it requires no new hires—just the current team amid M&A-fueled talent disruption. Elevated Q4 payoffs masked stronger averages; Nashville and Asheville lead organic push. Management detailed M&A targets: 2-7B asset performers in Southeast, Carolinas, Virginia. Mortgage banking eyes overperformance after flipping positive. No further Ayers estate buybacks expected. Payoffs happen. Bulls eye hiring wins and deposit betas (55-60%) versus rivals.
Key Stats
Market Cap
3.11BP/E (TTM)
27.02Basic EPS (TTM)
2.15Dividend Yield
0.01%Recent Filings
10-K
FY2025 results
FB Financial grew total assets to $16.3B in FY2025 ended December 31, 2025, with loans HFI at $12.4B (up 29% y/y from Southern States merger) and deposits at $13.9B, while net income rose to $123M ($2.45 diluted EPS). Q4 drove momentum with merger integration boosting scale in Alabama/Georgia, though provision for credit losses hit $43M (vs $12M prior year) on $28M initial acquired loan reserves; net charge-offs fell to -0.06% of average loans. Banking NIM expanded to 3.81% amid falling rates, yet securities sales yielded $61M loss. Repurchased $156M in shares under $250M program; liquidity strong at 11% of assets. CRE concentrations exceed 260% of Tier 1 capital.
8-K
Q4 2025 results presented
FB Financial management presents Q4 and full-year 2025 results at the KBW Winter Financial Services Conference on February 12, 2026, highlighting $16.3B assets, $12.6B loans, and $13.9B deposits as of December 31, 2025. Adjusted ROAA hit 1.51% while NIM held at 3.98%; full-year revenue surged 23% to $560M. Capital stays rock-solid. Strong liquidity buffers risks.
8-K
CAO resigns; Joyce appointed
FB Financial's Chief Accounting Officer Jonathan Pennington resigned January 28, 2026, effective February 26, to join another institution—no disagreements noted. Boards appointed Lynn Joyce, ex-CFO of acquired Southern States Bancshares, as replacement effective March 1, boosting her pay 29%. Smooth transition taps internal expertise. Veteran hire.
8-K
Q4 EPS $1.07, NIM 3.98%
FB Financial posted Q4 net income of $57 million, or $1.07 diluted EPS, with adjusted EPS at $1.16, rebounding from Q3's $0.43 on lower provisions and merger costs. Loans HFI hit $12.38 billion, deposits $13.91 billion, NIM expanded to 3.98%, while repurchasing 3% of shares bolstered capital at 13.2% total risk-based. Credit stayed tight. Charge-offs minimal.
8-K
FirstBank joins Fed System
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