Earnings summaries and quarterly performance for FB Financial.
Executive leadership at FB Financial.
Christopher T. Holmes
Detailed
President and Chief Executive Officer
CEO
AT
Aimee T. Hamilton
Detailed
Chief Risk Officer
BW
Beth W. Sims
Detailed
General Counsel and Corporate Secretary
ME
Mark E. Hickman
Detailed
Chief Human Resources Officer
MM
Michael M. Mettee
Detailed
Chief Operating Officer and Chief Financial Officer
RW
R. Wade Peery
Detailed
Chief Innovations Officer
SJ
Scott J. Tansil
Detailed
Chief Operations Officer
TK
Travis K. Edmondson
Detailed
Chief Credit Officer
Board of directors at FB Financial.
AW
Agenia W. Clark
Detailed
Director
CW
C. Wright Pinson
Detailed
Director
EJ
Emily J. Reynolds
Detailed
Director
JJ
J. Jonathan Ayers
Detailed
Director
JL
James L. Exum
Detailed
Director
JW
James W. Cross IV
Detailed
Director
MJ
Melody J. Sullivan
Detailed
Director
OH
Orrin H. Ingram
Detailed
Director
RM
R. Milton Johnson
Detailed
Director
RJ
Raja J. Jubran
Detailed
Director
WF
William F. Carpenter III
Detailed
Chair of the Board
Research analysts who have asked questions during FB Financial earnings calls.
Russell Gunther
Stephens Inc.
6 questions for FBK
Also covers: ABCB, AMTB, AUB +10 more
Catherine Mealor
Keefe, Bruyette & Woods
4 questions for FBK
Also covers: ABCB, AUB, CADE +21 more
BR
Brett Rabatin
Hovde Group, LLC
3 questions for FBK
Also covers: BOKF, BPOP, CADE +20 more
SS
Stephen Scouten
Piper Sandler & Co.
3 questions for FBK
Also covers: ABCB, AMTB, AUB +24 more
AP
Anya Pelshaw
Hovde Group
2 questions for FBK
Also covers: EQBK, FBP, FINW +2 more
Christopher Marinac
Janney Montgomery Scott LLC
2 questions for FBK
Also covers: ABCB, BFST, BKU +25 more
SM
Steve Moss
Raymond James
2 questions for FBK
Also covers: AUB, BRKL, BWFG +12 more
T
Thomas...
Guggenheim Securities, LLC
2 questions for FBK
Also covers: MYGN, NEO, RARE
WJ
Will Jones
Keefe, Bruyette & Woods (KBW)
2 questions for FBK
Also covers: AMRZ, AMTB, CFR +6 more
SM
Stephen Moss
Raymond James Financial, Inc.
1 question for FBK
Also covers: AUB, BRKL, BWFG +13 more
Recent press releases and 8-K filings for FBK.
FB Financial (FBK) Reports Q4 and Full-Year 2025 Results, Provides 2026 Outlook
FBK
Earnings
Guidance Update
Share Buyback
- FB Financial (FBK) reported adjusted EPS of $1.16 for Q4 2025 and $3.99 for the full-year 2025.
- For Q4 2025, the company achieved a net interest margin of 3.98% and adjusted returns on average assets of 1.51% and average tangible common equity of 15.9%.
- In 2025, loans held for investment grew 29% and deposits grew 25% year-over-year, partially driven by the acquisition of Southern States Bank.
- FBK repurchased just over 1.7 million shares, representing approximately 3% of the company, in Q4 2025.
- For full-year 2026, FBK expects mid to high single-digit loan growth and core customer deposit growth, with banking expenses projected between $325 million and $335 million.
Jan 22, 2026, 2:00 PM
FirstBank Reports Strong Full-Year and Q4 2025 Financial Results
FBK
Earnings
Share Buyback
M&A
- FirstBank reported full-year 2025 revenue of $560.0 million and net income of $122.6 million, with adjusted diluted earnings per common share of $3.99.
- For Q4 2025, the company achieved net income of $57.0 million (or $61.5 million adjusted) on $178.599 million in total revenue, resulting in adjusted diluted earnings per common share of $1.16.
- Loans HFI grew to $12.4 billion and Deposits to $13.9 billion for the full year 2025, with this growth primarily driven by the acquisition of Southern States Bancshares Inc..
- The company maintained a strong capital position with a Common Equity Tier 1 Ratio of 11.4% and a Total Risk-Based Capital Ratio of 13.2% in Q4 2025. Asset quality remained stable, reflected by an ACL coverage ratio of 1.50% and minimal net charge-offs at an annualized rate of 0.05%. FirstBank also repurchased approximately 3% of its outstanding shares through an $88 million stock buyback transaction.
Jan 22, 2026, 2:00 PM
FB Financial Reports Q4 and Full-Year 2025 Results, Provides 2026 Outlook
FBK
Earnings
Guidance Update
Share Buyback
- FB Financial reported adjusted EPS of $1.16 and a net interest margin of 3.98% for Q4 2025, achieving adjusted return on average assets of 1.51% and adjusted return on average tangible common equity of 15.9%.
- For the full year 2025, adjusted EPS was $3.99, with loans held for investment growing 29% and deposits up 25% year over year, significantly influenced by the acquisition of Southern States Bank.
- In Q4 2025, the company executed a large share repurchase, buying back over 1.7 million shares (approximately 3% of the company) from its largest shareholder.
- Management projects a return to high single-digit growth rates for loans and core customer deposits in 2026, with the net interest margin (excluding accretion) expected between 3.78% and 3.83% for Q1 and the full year.
- Full-year 2026 banking expenses are guided to be between $325 million and $335 million, aiming for an efficiency ratio in the low 50s for the year and 50% by year-end 2026.
Jan 22, 2026, 2:00 PM
FB Financial Reports Q4 and Full-Year 2025 Results, Provides 2026 Outlook
FBK
Earnings
Guidance Update
Share Buyback
- FB Financial reported Q4 2025 EPS of $1.07 and adjusted EPS of $1.16, with a net interest margin of 3.98%. For the full year 2025, reported EPS was $2.45 and adjusted EPS was $3.99.
- The company's balance sheet grew significantly in 2025, with loans held for investment up 29% and deposits up 25% year over year, partly driven by the acquisition of Southern States Bank.
- In Q4 2025, FB Financial executed a large stock repurchase of over 1.7 million shares, representing about 3% of the company.
- For 2026, the company projects mid to high single-digit loan and core customer deposit growth, with full-year banking expenses between $325 million and $335 million and an efficiency ratio in the low 50s.
Jan 22, 2026, 2:00 PM
FB Financial Corp Reports Strong Fourth Quarter 2025 Financial Results
FBK
Earnings
Share Buyback
M&A
- Net income for Q4 2025 was $57.0 million, or $1.07 per diluted common share, with adjusted net income reaching $61.5 million, or $1.16 per diluted common share.
- The net interest margin (NIM) increased by 3 basis points to 3.98% for the fourth quarter of 2025, up from 3.95% in the prior quarter.
- As of December 31, 2025, loans held for investment (HFI) stood at $12.38 billion and total deposits were $13.91 billion, with both categories showing approximately 3% annualized growth.
- The company reported strong credit quality with annualized net charge-offs at 0.05% of average loans HFI and nonperforming loans HFI at 0.97% of total loans HFI for Q4 2025.
- FB Financial Corp maintained a strong capital position, including a preliminary total risk-based capital ratio of 13.2% and a tangible common equity to tangible assets ratio of 9.84%, and repurchased 1,717,948 shares during the quarter.
Jan 21, 2026, 9:19 PM
FB Financial Reports Fourth Quarter and Full Year 2025 Financial Results
FBK
Earnings
Share Buyback
Revenue Acceleration/Inflection
- FB Financial Corporation reported net income of $57.0 million, or $1.07 per diluted common share, for the fourth quarter of 2025, with adjusted diluted EPS of $1.16.
- For the full year ended December 31, 2025, the company's net income was $122.6 million, and adjusted diluted earnings per common share were $3.99.
- As of December 31, 2025, loans held for investment (HFI) totaled $12.38 billion and deposits were $13.91 billion.
- The net interest margin (NIM) for the fourth quarter of 2025 was 3.98%, an increase from 3.95% in the prior quarter.
- During the fourth quarter of 2025, the Company repurchased 1,717,948 shares.
Jan 21, 2026, 9:15 PM
FB Financial Corp Announces Share Sale by Estate and Concurrent Share Repurchase
FBK
Share Buyback
- FB Financial Corporation announced a registered direct offering where the Estate of James W. Ayers (Selling Shareholder) will sell 2,162,052 shares of common stock to institutional investors at a purchase price of $51.50 per share.
- The company is not selling any shares in this offering and will not receive any net proceeds from it.
- Concurrently, FB Financial Corporation entered into a separate agreement to repurchase 1,717,948 shares of common stock from the Estate of James W. Ayers at the same $51.50 per share.
- Both the offering and the repurchase are expected to close on November 17, 2025.
Nov 14, 2025, 1:32 PM
FB Financial Corporation Completes Acquisition of Southern States Bancshares, Inc.
FBK
M&A
Earnings
- FB Financial Corporation completed its acquisition of Southern States Bancshares, Inc. on July 1, 2025.
- The document includes unaudited pro forma condensed combined income statements for the combined entity for the nine months ended September 30, 2025, showing a pro forma Net Income of $90,846 thousand and Diluted EPS of $1.67.
- These pro forma statements illustrate the merger's effect as if it occurred on January 1, 2024, while FB Financial's actual reported results for the nine months ended September 30, 2025, include Southern States' financial impact from July 1, 2025, through September 30, 2025.
- Historical unaudited financial statements for Southern States Bancshares, Inc. are also provided for the six months ended June 30, 2025.
Nov 13, 2025, 9:26 PM
FB Financial Corporation Completes Southern States Bancorp Merger, Reports Q3 2025 Financials
FBK
M&A
Earnings
Guidance Update
- FB Financial Corporation completed its merger with Southern States Bancorp Inc. in Q3 2025, with the deal closing on July 1, 2025, and system conversion completed on September 2, 2025.
- The merger significantly expanded the company's balance sheet, with Total Assets reaching $16.2 billion, Total Loans $12.5 billion, and Total Deposits $13.8 billion as of September 30, 2025.
- Financial performance in Q3 2025 saw Net Interest Income increase to $148.1 million and Net Interest Margin rise to 3.95%, benefiting from the Southern States acquisition. Management noted that deal economics remain solid, with 2026 EPS accretion projected at approximately 12%.
- The company maintains a strong capital position post-merger, with a preliminary Common Equity Tier 1 (CET1) ratio of 11.7% and $1.9 billion in on-balance sheet liquidity as of September 30, 2025.
Nov 5, 2025, 9:32 PM
FirstBank Reports Q3 2025 Results Following Southern States Merger
FBK
Earnings
M&A
Guidance Update
- FirstBank reported adjusted net income of $57.6 million and adjusted diluted earnings per common share of $1.07 for Q3 2025, which excludes $44 million in pre-tax merger-related provision and integration expenses.
- The merger with Southern States Bancshares Inc. closed on July 1, 2025, with Q3 representing a full quarter of combined company results, leading to $16.2 billion in assets, $12.3 billion in loans, and $13.8 billion in deposits at quarter-end.
- The company saw its Net Interest Margin (NIM) expand to 3.95% and an improved adjusted efficiency ratio of 53.3% in Q3 2025.
- Capital remains strong with a Tangible Common Equity to Tangible Assets ratio of 10.1% and a CET 1 Ratio of 11.7%, while asset quality metrics show an ACL coverage ratio of 1.50% and annualized net charge-offs of 0.05%.
- Deal synergies are ahead of schedule, with 50% cost savings realized in 2025 and 100% expected in 2026, and 2026 EPS accretion projected to be ~12%, which is better than expected.
Oct 14, 2025, 1:00 PM
Quarterly earnings call transcripts for FB Financial.
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