NYSE$FBK

Fb Financial Corporation · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

FB Financial reported Q4 2025, net income of $57M, diluted EPS of $1.07.

For Q4 2025, FB Financial reported net income of $57M, diluted EPS was $1.07, adjusted diluted EPS was $1.16. The filing discusses segment trends, liquidity, and management's outlook for upcoming periods.

  • Net income $57M.
  • Diluted EPS $1.07.
  • Adjusted diluted EPS $1.16.

Headline financials

Total Revenue

$179M

Previous: $130M+37.0%
EPS (adj)

$1.16

Previous: $0.85+36.5%
Net Interest Margin

4.0%

Previous: 3.5%+13.7%
Efficiency Ratio

60.2%

Previous: 56.1%+7.3%
Adjusted Efficiency Ratio

56.3%

No prior period
Loans HFI

$12.4B

Previous: $9.6B+29.0%
Return on Average Total Assets

1.4%

Previous: 1.1%+22.8%
Return on Average Shareholders' Equity

11.6%

Previous: 9.6%+20.5%
Return on Average Tangible Common Equity

14.4%

Previous: 11.5%+25.2%
Book Value Per Common Share

$37.64

Previous: $33.59+12.1%
Tangible Book Value Per Common Share

$30.27

Previous: $28.27+7.1%
Total Common Shareholders' Equity to Assets

12.0%

Previous: 11.9%+0.8%
Tangible Common Equity to Tangible Assets

9.8%

Previous: 10.2%-3.5%
ACL on HFI Loans %

1.5%

Previous: 1.6%-5.1%
Annualized Net Charge-Offs %

0.1%

Previous: 0.5%-89.4%
Nonperforming Loans HFI %

1.0%

Previous: 0.9%+11.5%
Nonperforming Assets % of Total Assets

1.0%

Previous: 0.9%+4.3%
Net Income

$57M

Previous: $37.9M+50.5%
Operating Income

$71.1M

Previous: $57.2M+24.2%

Revenue & EPS history

FB Financial · Revenue · Quarterly

$179M

Q4 2025+37%vs Q4 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

Management discusses FB Financial's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.

Tailwinds

  • FB Financial cites execution on strategic priorities and demand in core markets.
  • Liquidity and balance sheet capacity support continued investment and returns.

Headwinds

  • Macro, rates, and input costs may pressure margins or volumes.
  • Segment mix and non-recurring items can affect sequential comparability.

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 Q4 2025

Historical avgQ4 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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