NYSE$FBK

Fb Financial Corporation · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

FB Financial reported Q3 2025, revenue of $170.4M, net income of $23.4M, diluted EPS of $1.85.

For Q3 2025, FB Financial reported revenue of $170.4M, net income of $23.4M, diluted EPS was $1.85. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $170.4M.
  • Net income $23.4M.
  • Diluted EPS $1.85.

Headline financials

Total Revenue

$174M

Previous: $89.5M+94.2%
EPS (adj)

$1.85

Previous: $0.86+115.1%
Net Interest Margin

4.0%

No prior period
Efficiency Ratio

63.2%

No prior period
Loans HFI

$12.3B

No prior period
Return on Average Total Assets

0.6%

No prior period
Return on Average Shareholders' Equity

4.7%

No prior period
Return on Average Tangible Common Equity

5.8%

No prior period
Capital Expenditures

-$7.22M

Previous: -$4.98M-45.0%
Free Cash Flow

$16.2M

Previous: $5.24M+208.2%
Net Income

$23.4M

Previous: $10.2M+128.7%
Operating Income

$25M

Previous: -$3.81M+755.0%
Gross Profit

$144M

Previous: $87.7M+64.2%
Cash & Equivalents

$1.28B

No prior period
Total Assets

$16.2B

No prior period

Revenue & EPS history

FB Financial · Revenue · Quarterly

$174M

Q3 2025+94.2%vs Q3 2024
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

The release discusses FB Financial's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • FB Financial cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 Q3 2025

Historical avgQ3 2025

+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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