FB Financial Corporation (FBK)
NYSE:FBK
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Earnings Data
Report Date
Jul 20, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.16Last Year’s EPS
0.88Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented several meaningful positives — industry recognition for customer satisfaction, solid GAAP and adjusted EPS, PPNR growth and momentum in the loan pipeline, expense discipline with efficiency improvements, on-target merger synergies, and strong capital ratios. Offsetting these were modest but notable headwinds: a declining NIM with slightly lower guidance, reduced noninterest income driven by mortgage volatility and fewer nonrecurring items, elevated competitive pricing pressure on deposits and loans, and a slower start to loan growth with elevated payoffs. Management emphasized momentum building into the back half of the year and a disciplined approach to balancing growth and returns.Company Guidance
Industry Recognition - J.D. Power #1
FirstBank received J.D. Power's Retail Banking Award (South Central) ranking #1 for overall customer satisfaction and #1 in client trust and quality of people — independent, large-sample validation of customer experience.
Solid Earnings and EPS
Reported GAAP EPS of $1.10 and adjusted EPS of $1.12; net income of $57.5M (adjusted $58.3M).
Improved Pretax Pre-Provision Net Revenue (PPNR)
PPNR was $77.2M ($78.2M adjusted), up from $71.1M in the prior quarter, and PPNR return on average assets was near target at 1.93% (1.95% adjusted), close to the company's ~2% benchmark.
Tangible Book Value Growth
Tangible book value per share (excluding AOCI) has grown at a compounded annual growth rate of 11.6% since the 2016 IPO.
Expense Discipline and Efficiency Gains
Noninterest expense totaled $95.2M, an approximate 11% decline quarter-over-quarter (roughly 7% adjusted). Efficiency ratio improved to 55.2% (54.3% adjusted); banking segment adjusted efficiency ratio of 50.9%. Banking segment noninterest expense guide set at $325M–$335M for the year and total company efficiency expected in the low-50% range.
Capital & Liquidity Strength
Strong capital ratios support flexibility: CET1 11.5%, Tier 1 leverage 10.4%, total risk-based capital 13.4%. Management repurchased shares opportunistically during the quarter.
Revenue Pipeline and Later-Quarter Momentum
March was the strongest month with upper single-digit loan growth in the month; management reports growing pipeline momentum with on-balance-sheet conversions expected into Q2 and Q3 and full-year loan and deposit growth guidance at mid- to high-single-digit (weighted to second half).
Acquisition Synergies and Strategic Execution
Southern States combination synergies landed essentially on plan (variance immaterial). Management realized reduced merger/integration expense and completed majority of related costs.
Talent Additions and Product Line Expansion
Added approximately 15 revenue producers in Q1 across relationship managers, mortgage, and consumer/small business roles; launched/expanded an SBA lending line to broaden originations.
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 |
|---|---|---|---|
Apr 13, 2026 | $55.99 | $54.70 | -2.30% |
Jan 21, 2026 | $61.41 | $60.54 | -1.41% |
Oct 14, 2025 | $55.92 | $58.20 | +4.07% |
Jul 14, 2025 | $48.67 | $46.45 | -4.57% |
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 Jul 20, 2026, After Close (Confirmed).
What is FB Financial Corporation (FBK) earnings time?
FB Financial Corporation (FBK) earnings time is at Jul 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 2026 (Q2) is 1.16.