The earnings call highlighted successful merger execution and strong adjusted earnings performance, along with growth in loans and deposits. However, significant onetime losses from securities transactions and increased market volatility posed challenges. The strategic positioning for future growth and strong new loan yields provide a positive outlook.

Company Guidance

During the second quarter of 2025, FB Financial Corporation reported an EPS of $0.06 and an adjusted EPS of $0.88, alongside a tangible book value per share growth at a compound annual rate of 12.2% since their IPO. The company faced a busy quarter following their merger with Southern States, which was announced on March 31 and closed within 90 days. Despite market volatility due to geopolitical events and policy changes impacting trade, FB Financial managed to execute a significant $266 million securities transaction, resulting in a pretax loss of $60 million. Consequently, they reported a pretax pre-provision net revenue of negative $4.4 million and a net income of $2.9 million, while on an adjusted basis, these figures stood at $58.6 million and $40.8 million, respectively. The company saw loan growth at an annualized rate of 4.2% and deposit growth at 7.2%, maintaining a positive outlook for the second half of 2025 and 2026 with expected mid- to high single-digit growth. Additionally, FB Financial highlighted the strategic benefits of the Southern States merger and their plans to leverage both organic and inorganic growth opportunities. The company anticipates their net interest margin to range between 3.70% and 3.80% in the latter half of the year, aiming for a core banking efficiency ratio in the low 50s by the fourth quarter.

Successful Merger Execution

FB Financial successfully announced, received regulatory approval, and closed the merger with Southern States in approximately 90 days, showcasing effective integration efforts.

Adjusted Earnings Performance

Reported adjusted EPS of $0.88 and adjusted net income of $40.8 million, reflecting strong underlying performance despite onetime losses.

Positive Loan and Deposit Growth

Loans grew at an annualized rate of 4.2% and deposits at 7.2% during the quarter, with expectations of mid- to high single-digit growth in the future.

Restructuring for Future Growth

A significant securities transaction was executed, selling $266 million of investment securities to strategically position for future loan growth.

Strong New Loan Yields

New loan yields exceeded 7%, providing a positive outlook for future interest income.

FB Financial (FBK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FBK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2025 (Q3)	0.95 / -	0.86	―	―	―
Jul 14, 2025	2025 (Q2)	0.88 / 0.88	0.84	4.76% (+0.04)
Apr 14, 2025	2025 (Q1)	0.83 / 0.85	0.85	0.00% (0.00)
Jan 21, 2025	2024 (Q4)	0.83 / 0.85	0.77	10.39% (+0.08)
Oct 15, 2024	2024 (Q3)	0.80 / 0.86	0.71	21.13% (+0.15)
Jul 15, 2024	2024 (Q2)	0.76 / 0.84	0.77	9.09% (+0.07)
Apr 15, 2024	2024 (Q1)	0.70 / 0.85	0.76	11.84% (+0.09)
Jan 16, 2024	2023 (Q4)	0.70 / 0.77	0.85	-9.41% (-0.08)
Oct 16, 2023	2023 (Q3)	0.69 / 0.71	0.68	4.41% (+0.03)
Jul 17, 2023	2023 (Q2)	0.65 / 0.77	0.64	20.31% (+0.13)

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
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%
Oct 15, 2024	$47.00	$47.18	+0.38%

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 Oct 20, 2025, After Close (Confirmed).

What is FB Financial Corporation (FBK) earnings time?

FB Financial Corporation (FBK) earnings time is at Oct 20, 2025, 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 (Q3) is 0.95.

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