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FB Financial Corporation (FBK)
NYSE:FBK
US Market
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FB Financial (FBK) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 20, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
1.11
Last Year’s EPS
0.85
Same Quarter Last Year
Based on 4 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 14, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance, successful merger integration, and positive future growth prospects, particularly in market expansion and improving efficiency ratios. However, the increased provision expenses and challenges in deposit growth and merger-related costs were notable concerns.
Company Guidance
During FB Financial Corporation's Third Quarter 2025 earnings call, the company provided a comprehensive update on its financial performance and strategic initiatives. Key metrics included an earnings per share (EPS) of $0.43 and an adjusted EPS of $1.07. The company reported a net interest margin of 3.95% and an efficiency ratio of 63.2%, or 53.3% on an adjusted basis. The return on average assets was 0.58%, improving to 1.43% on an adjusted basis, while the return on tangible common equity was 5.82%, rising to 14.7% on an adjusted basis. FB Financial also highlighted the successful merger and integration with Southern States Bankshares, which closed on July 1, 2025, and was fully transitioned by September 2, 2025, leading to a combined net income of $23.4 million, or $57.6 million on an adjusted basis. The company remains optimistic about its growth prospects, particularly in its core markets of Tennessee, Alabama, Georgia, Northern Kentucky, and North Carolina, and is prepared to capitalize on market disruptions for organic growth. Looking ahead, FB Financial projects a net interest margin of 3.80% to 3.90% into 2026, with banking expenses expected to reach $325 million to $335 million next year, targeting an efficiency ratio in the low 50s. The company also reported organic loan growth of $156 million and expects mid to high single-digit growth in loans and deposits for Q4 2025, with a return to high single-digit to low double-digit growth in 2026.
Merger with Southern States Bankshares
Successfully completed merger with Southern States Bankshares, closing the transaction on July 1 and completing systems conversion over Labor Day weekend. This was executed from announcement to conversion in about 150 days, demonstrating strong operational execution.
Strong Financial Performance
Reported EPS of $0.43 and adjusted EPS of $1.07 with a net interest margin of 3.95% and an efficiency ratio of 63.2% or 53.3% on an adjusted basis. Net income was $23.4 million or $57.6 million on an adjusted basis.
Improved Net Interest Income
Net interest income increased by 32.2% from the prior quarter and 38.9% from the same quarter last year, driven by the merger and structural balance sheet maneuvers, including debt paydown.
Positive Market Expansion Outlook
Bullish on markets in Tennessee, Alabama, Georgia, Northern Kentucky, and North Carolina with plans for growth through market expansion and acquisition opportunities.
Efficiency Improvements
Adjusted core efficiency ratio improved to 53.3% from last quarter's 56.9% and from 58.4% the same quarter last year.

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

FBK Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 20, 2026
2025 (Q4)
1.11 / -
0.85
Oct 14, 2025
2025 (Q3)
0.96 / 1.07
0.8624.42% (+0.21)
Jul 14, 2025
2025 (Q2)
0.88 / 0.88
0.844.76% (+0.04)
Apr 14, 2025
2025 (Q1)
0.83 / 0.85
0.850.00% (0.00)
Jan 21, 2025
2024 (Q4)
0.83 / 0.85
0.7710.39% (+0.08)
Oct 15, 2024
2024 (Q3)
0.80 / 0.86
0.7121.13% (+0.15)
Jul 15, 2024
2024 (Q2)
0.76 / 0.84
0.779.09% (+0.07)
Apr 15, 2024
2024 (Q1)
0.70 / 0.85
0.7611.84% (+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
0.684.41% (+0.03)
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
Oct 14, 2025
$56.31$58.60+4.07%
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%
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 Jan 20, 2026, After Close (Confirmed).
    What is FB Financial Corporation (FBK) earnings time?
    FB Financial Corporation (FBK) earnings time is at Jan 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 2025 (Q4) is 1.11.
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