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FBK

FB Financial Corporation

FBK

FB Financial Corporation • NYSE
$55.86 ▼ -0.21% (-0.12)
Market Cap $2.99 B
52w High $60.52
52w Low $38.83
Dividend Yield 0.76%
P/E 25.98
Volume 83.02K
Outstanding Shares 53.46M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $263.533M ▲ $109.856M ▲ $23.375M ▲ 8.87% ▲ $0.44 ▲ $29.602M ▲
Q2-2025 $147.532M ▼ $81.261M ▲ $2.909M ▼ 1.972% ▼ $0.063 ▼ $-6.236M ▼
Q1-2025 $202.738M ▼ $79.549M ▲ $39.361M ▲ 19.415% ▲ $0.84 ▲ $52.255M ▼
Q4-2024 $210.533M ▲ $75.341M ▼ $37.886M ▲ 17.995% ▲ $0.81 ▲ $53.816M ▲
Q3-2024 $169.131M $76.212M $10.22M 6.043% $0.22 $15.368M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.707B ▲ $16.236B ▲ $14.258B ▲ $1.978B ▲
Q2-2025 $1.361B ▼ $13.354B ▲ $11.743B ▲ $1.611B ▲
Q1-2025 $1.388B ▼ $13.136B ▼ $11.534B ▼ $1.602B ▲
Q4-2024 $1.743B ▼ $13.157B ▲ $11.59B ▲ $1.568B ▲
Q3-2024 $2.422B $12.92B $11.358B $1.562B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $2.917M ▼ $71.782M ▲ $140.844M ▲ $158.397M ▲ $371.023M ▲ $68.376M ▲
Q1-2025 $39.361M ▲ $-16.458M ▼ $-199.646M ▼ $-31.678M ▼ $-247.782M ▼ $-18.121M ▼
Q4-2024 $37.902M ▲ $24.13M ▼ $-153.402M ▲ $220.01M ▼ $90.738M ▼ $22.561M ▼
Q3-2024 $10.22M ▼ $47.779M ▲ $-210.484M ▼ $313.553M ▲ $150.848M ▲ $46.663M ▲
Q2-2024 $39.979M $30.623M $-40.261M $-60.19M $-69.828M $28.382M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown gradually over the past few years, but profits have not grown along with it. Earnings are stable rather than rising, and they remain below the peak levels seen a few years ago. Profit margins have narrowed compared with their strongest year, suggesting either higher funding costs, more competition on loan pricing, or higher operating expenses. Overall, the income statement points to a solid but not rapidly expanding earnings base, with the bank managing through a tougher interest-rate environment rather than clearly accelerating growth.

Balance Sheet

Balance Sheet The balance sheet shows a steady build in overall size, with total assets trending upward over time. Cash levels are healthy for a regional bank, even though they are down from the unusually high levels held a few years back. Debt is present but looks manageable relative to the bank’s size and rising equity base. Shareholders’ equity has been increasing, which is a positive sign for long‑term resilience and loss‑absorbing capacity. Overall, the balance sheet appears conservatively structured, with room to support future lending and partnership growth, though detailed asset quality metrics would be needed to fully assess risk.

Cash Flow

Cash Flow Cash flow from operations has been quite volatile over the five‑year period, swinging from weak or negative in tougher years to very strong in others. More recently, operating cash flow is positive but not exceptionally strong, which is consistent with a bank that is stable but not in a high‑growth surge. Free cash flow closely tracks operating cash flow, since capital spending needs are relatively low. This pattern fits a service‑driven financial business, but the past volatility is a reminder that cash generation can fluctuate significantly with credit cycles, interest rates, and one‑off items.

Competitive Edge

Competitive Edge FB Financial operates as a regional community‑focused bank but tries to punch above its weight by pairing local relationships with modern technology. Its edge comes from a mix of high‑touch service, local decision‑making, and selective fintech partnerships that let it offer more advanced products than a typical community bank. The bank has expanded via acquisitions and business banking capabilities, which helps it compete with larger regional players. That said, it still faces intense competition from big national banks, digital‑only players, and other regionals, so maintaining credit quality and deposit relationships will be critical to preserving its position.

Innovation and R&D

Innovation and R&D Rather than building everything in‑house, FB Financial relies on targeted fintech partnerships to innovate. Banking‑as‑a‑Service arrangements, digital lending for manufactured housing, and tailored high‑yield accounts for niche clients show a willingness to experiment in focused areas. The bank is also investing in better online and mobile platforms, and has expressed interest in areas like blockchain and AI‑enabled solutions. This partnership‑first approach can keep innovation costs lower and speed up product launches, but it also creates dependency on external partners and requires strong risk management and integration discipline.

Summary

FB Financial looks like a steadily growing regional bank that is using technology partnerships to differentiate itself, rather than trying to become a pure fintech. Financially, revenue has inched higher and earnings are steady but not accelerating, with margins under some pressure compared with prior highs. The balance sheet appears sound, with growing equity and moderate leverage, although the usual banking risks around credit quality and funding costs still apply. Cash flow has been choppy over the years but is currently positive, in line with a stable, relationship‑driven banking model. Strategically, the bank’s blend of community banking, selective acquisitions, and fintech collaborations may give it a niche edge if executed well, but success will depend on managing credit risk, partner risk, and technology integration in a competitive and fast‑changing financial landscape.

NEWS

October 24, 2025 · 12:11 PM UTC

CORRECTING and REPLACING FB Financial Corporation Declares Regular Quarterly Dividend

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October 24, 2025 · 9:35 AM UTC

FB Financial Corporation Declares Regular Quarterly Dividend

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October 14, 2025 · 6:15 AM UTC

FB Financial Corporation Reports Third Quarter 2025 Financial Results

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September 30, 2025 · 11:00 AM UTC

FB Financial Corporation Announces 2025 Third Quarter Earnings Call

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September 24, 2025 · 1:00 PM UTC

FB Financial Strengthens Executive Team

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