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FB Financial Corporation (FBK)
NYSE:FBK
Earnings Data
Report Date
Apr 20, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.11Last Year’s EPS
0.85Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call balanced strong financial performance and capital actions against near-term operational noise. Highlights include robust full-year balance sheet growth (29% loans, 25% deposits), solid margin and profitability (3.98% NIM, adjusted ROTCE ~15.9%), low credit costs, and a meaningful share repurchase. Lowlights center on softer organic growth in Q4 due to late-quarter payoffs and acquisition-related distractions, a modest rise in past dues/non-performing assets, and several non-run-rate expense items that elevated Q4 operating costs. Management provided clear 2026 guidance (mid-high single-digit organic growth, expense and margin targets) and expressed confidence in returning to high single-digit organic growth while investing in talent and the customer focus.Company Guidance
Strong Adjusted Earnings and Profitability
Q4 reported EPS $1.07 and adjusted EPS $1.16; FY reported EPS $2.45 and adjusted EPS $3.99. Q4 adjusted returns: return on average assets ~1.51% and return on average tangible common equity ~15.9%, with a TCE ratio near 10%.
Net Interest Income and Margin Strength
Net interest income of $150.6 million in the quarter with net interest margin of 3.98% (3 bps expansion vs. Q3). Guidance for Q1 2026 NIM (ex loan accretion) of 3.78%–3.83% and expected additional ~15 bps from loan accretion.
Low Credit Costs and Solid Credit Metrics
Provision expense was light at $1.2 million in Q4; annualized net charge-offs were only 5 basis points for the quarter. Allowance for loan losses totaled $186 million, or 1.5% of loans held for investment.
Large Balance Sheet Growth (Full Year)
Full-year growth driven by the Southern States acquisition and organic activity: loans held for investment grew 29% year-over-year and deposits were up 25% year-over-year.
Adjusted Profitability and Core Revenue
Pretax, pre-provision net revenue of $71.1 million ($77.1 million adjusted) and Q4 adjusted net income of $61.5 million (reported $57.0 million). Non-interest income improved due to stronger swap fees, investment services revenue and some non-recurring items.
Capital Deployment and Share Repurchase
Executed a large repurchase: just over 1.7 million shares (~3% of the company) purchased from the Ayers estate, demonstrating confidence in the franchise and effective capital deployment.
Expense Discipline and FY 2026 Guidance
Banking core non-interest expense was $88 million in Q4 and $298 million for the full year; 2026 banking expense guide $325M–$335M with expected efficiency ratio in the low 50s for the full year and ~50% by year-end 2026.
Competitive New Production Yields
New loan production yields in the quarter were ~6.75% and new deposit costs around 3%, indicating attractive pricing on new business.
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 |
|---|---|---|---|
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% |
Apr 14, 2025 | $40.54 | $39.74 | -1.97% |
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 Apr 20, 2026, After Close (Confirmed).
What is FB Financial Corporation (FBK) earnings time?
FB Financial Corporation (FBK) earnings time is at Apr 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 (Q1) is 1.11.