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FB Financial Corporation (FBK)
NYSE:FBK
Earnings Data
Report Date
Jul 21, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.88Last Year’s EPS
0.84Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 14, 2025
|% Change Since: 5.44%
|Next Earnings Date:Jul 21, 2025
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with strategic expansion plans and solid financial performance despite some challenges in non-interest expenses and charge-offs. The bank's strong capital position and efficient management of loan growth and margins were emphasized.Company Guidance
During the first quarter of 2025, FB Financial Corporation reported an EPS of $0.84 and an adjusted EPS of $0.85. The company achieved a pre-tax pre-provision net revenue of $51.1 million, or $52.2 million on an adjusted basis. Loan balances increased by $169 million, representing an annualized growth rate of 7.14%, primarily driven by C&I and owner-occupied CRE loans, while construction exposure was reduced. At the end of the quarter, loans held for investment totaled approximately $9.8 billion. The adjusted return on average assets was reported at 1.23%, and the adjusted return on average tangible common equity was 12.3%. FB Financial maintained a tangible common equity to tangible assets ratio of 10.5%, a preliminary CET1 ratio of 12.8%, and a total risk-based capital ratio of 15.2%. Additionally, net interest income for the quarter was $107.6 million, while non-interest income amounted to $23 million. The net interest margin increased by 5 basis points to 3.55%. The company also reported a non-interest expense of $79.5 million ($79.1 million on an adjusted basis) and a provision expense of $2.3 million.Planned Combination with Southern States Banc
FB Financial announced a planned combination with Southern States Banc, emphasizing cultural fit, market opportunity, and financial profile. The integration process is on track with a Q3 expected close.
Loan Growth and Focus Areas
Loan balances grew by $169 million at an annualized rate of 7.14%, primarily in C&I and owner-occupied CRE, while reducing construction exposure. Loans held for investment totaled approximately $9.8 billion at quarter-end.
Strong Capital Ratios
The bank ended the quarter with a tangible common equity to tangible assets ratio of 10.5%, a preliminary CET1 ratio of 12.8%, and a total risk-based capital ratio of 15.2%.
Net Interest Margin Improvement
Net interest margin increased by 5 basis points to 3.55%. This was supported by decreased cost of total interest-bearing deposits by 24 basis points.
Positive Non-Interest Income Performance
Non-interest income was stable at $23 million, with improvements in mortgage banking income due to lower market interest rates and better mortgage servicing economics.
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 14, 2025 | $40.98 | $40.17 | -1.98% |
Jan 21, 2025 | $52.00 | $53.15 | +2.21% |
Oct 15, 2024 | $47.19 | $47.37 | +0.38% |
Jul 15, 2024 | $42.16 | $45.53 | +7.99% |
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 21, 2025, TBA Not Confirmed.
What is FB Financial Corporation (FBK) earnings time?
FB Financial Corporation (FBK) earnings time is at Jul 21, 2025, TBA Not 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 (Q2) is 0.88.