NYSE$FBK

Fb Financial Corporation · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Reported net income of $35.3 million, or $0.75 per diluted common share.

FB Financial Corporation reported a net income of $35.3 million, or $0.75 per diluted common share, for Q2 2023. Deposits totaled $10.87 billion, while loans held for investment were $9.33 billion. The company focused on boosting balance sheet strength and reducing exposure to public funds and commercial real estate.

  • Net income was $35.3 million, or $0.75 per diluted common share.
  • Adjusted net income was $36.0 million, or $0.77 per diluted common share.
  • Deposits totaled $10.87 billion.
  • Loans held for investment were $9.33 billion.

Headline financials

Total Revenue

$125M

Previous: $135M-7.4%
EPS (adj)

$0.77

Previous: $0.64+20.3%
Net Interest Margin

3.4%

Previous: 3.5%-3.4%
Efficiency Ratio

64.8%

Previous: 71.6%-9.5%
Book Value Per Common Share

$29.64

No prior period
Capital Expenditures

-$12.6M

Previous: -$3.22M-290.1%
Free Cash Flow

$22.7M

Previous: $16.1M+41.0%
Net Income

$35.3M

Previous: $19.3M+82.5%
Operating Income

$43.4M

Previous: $107M-59.4%
Gross Profit

$123M

Previous: $127M-3.5%
Cash & Equivalents

$1.16B

Previous: $873M+32.9%
Total Assets

$12.9B

Previous: $12.2B+5.7%
Stock-Based Comp

$3.25M

Previous: $3.04M+6.9%

Revenue & EPS history

FB Financial · Revenue · Quarterly

$125M

Q2 2023-7.4%vs Q2 2022
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Revenue by segment

FB Financial · $29.5M total across 1 segment · Q1 2022

  • Mortgage Banking Income
    $29.5M-46.6%

Forward guidance

Expense management is a focus of the Company as we face continued revenue headwinds from the net interest margin and mortgage environments. Our core expense run rate was less in the second quarter than the first, and we anticipate additional reductions in the second half of 2023.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2023

Historical avgQ2 2023

+0.7%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+4.7%

Avg return

30 days after

52%

23 / 44 earnings

Positive

+11.5%

Q1 2020

Best reaction

-9.9%

Q4 2018

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.6%-3.6%-7.8%
Q4 2025-1.4%-7.2%-4.1%
Q3 2025+3.8%-7.5%-3.0%
Q2 2025-1.4%-1.1%+3.9%
Q1 2025-2.0%-1.3%+11.6%
Q4 2024+0.9%+0.7%-2.7%
Q3 2024+6.0%+3.0%+17.8%
Q2 2024+11.1%+9.1%+3.3%
Q1 2024+4.8%+5.6%+13.5%
Q4 2023-7.8%-2.3%-2.0%
Q3 2023+3.8%+6.0%+23.6%
Q2 2023+11.4%+12.8%+12.1%
Q1 2023-3.2%-0.6%-8.0%
Q4 2022-5.3%-2.8%+2.0%
Q3 2022-3.8%-10.5%+1.7%
Q2 2022+1.8%+4.5%+11.1%
Q1 2022+1.4%-0.6%-5.1%
Q4 2021-5.5%-9.1%-5.9%
Q3 2021+0.1%+3.7%+3.8%
Q2 2021+0.6%+3.7%+8.9%
Q1 2021+0.3%-2.5%-3.5%
Q4 2020-0.8%+0.0%+18.0%
Q3 2020-6.1%-3.3%+10.9%
Q2 2020+8.6%+9.2%+16.1%
Q1 2020+11.5%+10.6%+25.5%
Q4 2019-1.8%-2.6%-6.0%
Q3 2019+2.2%+0.6%+0.3%
Q2 2019+1.1%+4.4%-1.5%
Q1 2019+4.7%+5.6%+0.8%
Q4 2018-9.9%-11.4%-7.8%
Q3 2018+4.8%+6.2%+10.2%
Q2 2018+3.9%+3.9%+7.8%
Q1 2018-1.2%-1.9%-1.1%
Q4 2017-1.6%-0.7%-4.9%
Q3 2017+2.9%+8.8%+4.3%
Q2 2017-0.4%-1.2%-0.4%
Q1 2016-1.0%-1.1%-2.0%
Q1 2017+5.8%+3.1%+5.9%
Q2 2016-1.8%-4.2%+4.5%
Q4 2015-1.8%-4.2%+4.5%
Q4 2014-1.8%-4.2%+4.5%
Q4 2016+1.9%+1.0%+27.8%
Q3 2015+1.9%+4.1%+10.7%
Q3 2016-4.7%-3.5%+6.9%
Q2 2015
Q1 2015
Q3 2014
Q2 2014
Q1 2014

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