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FB Financial Corporation (FBK)
:FBK
Earnings Data
Report Date
Jan 20, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.11Last Year’s EPS
0.85Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance, successful merger integration, and positive future growth prospects, particularly in market expansion and improving efficiency ratios. However, the increased provision expenses and challenges in deposit growth and merger-related costs were notable concerns.Company Guidance
Merger with Southern States Bankshares
Successfully completed merger with Southern States Bankshares, closing the transaction on July 1 and completing systems conversion over Labor Day weekend. This was executed from announcement to conversion in about 150 days, demonstrating strong operational execution.
Strong Financial Performance
Reported EPS of $0.43 and adjusted EPS of $1.07 with a net interest margin of 3.95% and an efficiency ratio of 63.2% or 53.3% on an adjusted basis. Net income was $23.4 million or $57.6 million on an adjusted basis.
Improved Net Interest Income
Net interest income increased by 32.2% from the prior quarter and 38.9% from the same quarter last year, driven by the merger and structural balance sheet maneuvers, including debt paydown.
Positive Market Expansion Outlook
Bullish on markets in Tennessee, Alabama, Georgia, Northern Kentucky, and North Carolina with plans for growth through market expansion and acquisition opportunities.
Efficiency Improvements
Adjusted core efficiency ratio improved to 53.3% from last quarter's 56.9% and from 58.4% the same quarter last year.
FBK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FBK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 14, 2025 | $56.31 | $58.60 | +4.07% |
Jul 14, 2025 | $49.01 | $46.77 | -4.57% |
Apr 14, 2025 | $40.82 | $40.01 | -1.98% |
Jan 21, 2025 | $51.79 | $52.93 | +2.20% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does FB Financial Corporation (FBK) report earnings?
FB Financial Corporation (FBK) is schdueled to report earning on Jan 20, 2026, After Close (Confirmed).
What is FB Financial Corporation (FBK) earnings time?
FB Financial Corporation (FBK) earnings time is at Jan 20, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FBK EPS forecast?
FBK EPS forecast for the fiscal quarter 2025 (Q4) is 1.11.