FB Financial Corporation functions as the parent entity for FirstBank, offering an extensive array of commercial and consumer banking solutions tailored for ...
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Est. EPS $1.21 · Revenue $181.40M · 6 analysts
Est. EPS $1.21
Est. EPS $1.22 · Revenue $183.63M · 5 analysts
Est. EPS $4.68 · Revenue $714.72M · 6 analysts
$0.80 per share
$0.80 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $877.8M | +14.5% | +1.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $122.6M | +5.7% | +2.0% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +58.9% | +1.3% | -4.1% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +15.8% | -17.5% | -2.7% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +14.0% | -7.7% | +0.6% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $147.0M | +11.2% | +163.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +16.7% | -2.9% | +160.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 14.5% | -7.6% | +39.4% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.12x | -30.0% | +25.1% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $16.3B | +23.9% | +2.0% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2.40 vs 3.87 | -37.9% | 1.14 vs 1.15 | -0.5% |
| Revenue Surprise | $877.8M vs $610.2M | +43.9% | $255.2M vs $177.4M | +43.8% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jul 31, 2026 | CARPENTER WILLIAM F III | director | Common Stock | A | 270 | $60.38 |
| Jul 31, 2026 | Pinson Charles Wright | director | Common Stock | A | 270 | $60.38 |
| Jul 31, 2026 | Clark Agenia | director | Common Stock | A | 135 | $60.38 |
| Jul 31, 2026 | INGRAM ORRIN H II | director | Common Stock | A | 270 | $60.38 |
| Jul 15, 2026 | JOYCE LYNN J | officer: Chief Accounting Officer | Common Stock | D | 7,000 | $59.03 |
Operator: Good morning, everyone, and welcome to the FB Financial Corporation's Second Quarter 26 Earnings Conference Call. At this time, participants are in a listen-only mode. Following the prepared remarks, we will open the call to questions. Please note that today's conference call is being recorded. At this time, I would like to turn the call over to Rachel Dereski, Financial management associate for FB Financial. Please go ahead. Unidentified Speaker: Thank you, and good morning, everyone. We appreciate you joining us today for FB Financial's second quarter 26 earnings conference call. Joining me on the call this morning is Christopher T. Holmes, President and Chief Executive Officer and Michael Mettee, Chief Financial and Operating Officer. Before we begin, I would like to remind listeners that during today's call, management may make forward-looking statements regarding the company's plans, expectations and outlook. These statements are subject to risks and uncertainties, actual results may differ materially from those discussed. Additional information regarding these risks and uncertainties including risk factors that could cause actual results to differ, can be found in our earnings release, our most recent annual report on Form 10 k, and our subsequent filings with the Securities and Exchange Commission. FB Financial undertakes no obligation to update any forward-looking statements except as required by law. In addition, today's discussion may include references to certain non GAAP financial measures. Reconciliations of these measures to the most directly comparable GAAP measures are available on our second quarter 26 financial supplement posted to the Investor Relations section of our website at www.firstbankonline.com. And on the SEC's website at www.sec.gov. With that, I will turn the call over to Mr. Christopher T. Holmes. Christopher T. Holmes: Alright. Thank you, Rachel and thanks to everybody for joining us on the call this morning and for your interest in FB. We reported EPS of $1.13 and adjusted EPS of $1.14 and have grown our tangible book value per share excluding the impact of AOCI at a compound annual growth rate of 11.2% since our IPO in 2016. Our net income was $58.6 million and $58.9 million on an adjusted basis. And our pretax pre provision net revenue increased to $83.3 million, which represents an increase of approximately 8% in the quarter. This improves our PPNR return on average assets over 2%, which we consider to be our benchmark for returns. We grew loans at an annualized rate of 11.6% and deposits at 7.7% annualized. Growth this quarter was strong and reflects the hard work, discipline and execution of our teams across the company. As I reflect on the second quarter, our company is well positioned and our outlook is bullish. What I am most excited about is the sustainable momentum that we are seeing across the franchise. This quarter was marked by strong balance sheet growth stable net interest margin, solid …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Christopher T. Holmes | President, Chief Executive Officer & Director | USD 2,116,364 | Male | 1964 | Active |
Travis K. Edmondson | Chief Credit Officer | USD 1,101,850 | Male | 1980 | Active |
Michael Mettee | Chief Operating Officer & Chief Financial Officer | USD 1,053,891 | Male | 1981 | Active |
Mark Hickman | Chief Human Resources Officer | USD 842,662 | Male | 1977 | Active |
Aimee T. Hamilton | Chief Risk Officer | USD 707,409 | Female | 1966 | Active |
Scott J. Tansil | Chief Business & Operations Officer | USD 701,897 | Male | 1970 | Active |
Brent Ball | Head of Community Banking | — | Male | — | Active |
Kimberly Phegley | Chief Audit Executive | — | Female | — | Active |
Elizabeth W. Sims | General Counsel & Corporate Secretary | — | Female | 1975 | Active |
Lynn J. Joyce | Chief Accounting Officer | — | Female | 1964 | Active |
Dimensional Fund Advisors LP increased its stake in FB Financial Corporation (NYSE: FBK) by 1.4% during the first quarter, according to its most recent Form 13F filing with the SEC. The firm owned 2,000,484 shares of the financial services provider's stock after purchasing an additional 28,023 shares during the period. Dimensional Fund Advisors
NASHVILLE, Tenn.--(BUSINESS WIRE)--FB Financial Corporation (NYSE: FBK) announced today that its board of directors declared a quarterly cash dividend of $0.21 per share. The dividend is payable on August 25, 2026, to shareholders of record as of August 11, 2026. “Declaring our 34th consecutive quarterly dividend reflects the consistency of our earnings, the strength of our capital position, and our commitment to returning capital to shareholders in a disciplined way,” stated Christopher T. Hol.
FB Financial Corporation (FBK) Q2 2026 Earnings Call Transcript
FB Financial Corporation delivered a solid Q2, with sequential improvements in net income and EPS, despite a slight miss on consensus estimates. Loan and deposit growth remained robust, driven by commercial and residential real estate, while net interest margin and efficiency ratios improved. Asset quality was strong, with net charge-offs declining, though nonperforming loans and assets ticked up modestly—an area to monitor closely.
FB Financial NYSE: FBK reported higher second-quarter 2026 earnings and balance sheet growth, with management pointing to broad-based loan demand across its Southeast footprint while acknowledging continued pressure from competition for deposits and lending relationships.
