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FB Financial
(NYSE:FBK)
FB Financial (FBK) vs. SPDR S&P 500 ETF (SPY)
FB Financial Business Overview & Revenue Model
FB Financial Earnings Call Summary
FB Financial Financial Statement Overview
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 766.77M | 748.98M | 596.35M | 613.25M | 616.50M |
| Gross Profit | 445.74M | 475.25M | 508.19M | 616.62M | 459.55M |
| EBITDA | 161.58M | 165.13M | 172.18M | 256.94M | 95.32M |
| Net Income | 116.03M | 120.22M | 124.56M | 190.28M | 63.62M |
Balance Sheet | |||||
| Total Assets | 13.16B | 12.60B | 12.85B | 12.60B | 11.21B |
| Cash, Cash Equivalents and Short-Term Investments | 1.74B | 1.71B | 2.29B | 3.35B | 2.37B |
| Total Debt | 246.55M | 468.35M | 494.99M | 226.52M | 299.69M |
| Total Liabilities | 11.59B | 11.15B | 11.52B | 11.16B | 9.92B |
| Stockholders Equity | 1.57B | 1.45B | 1.33B | 1.43B | 1.29B |
Cash Flow | |||||
| Free Cash Flow | 132.25M | 190.84M | 789.08M | 48.78M | -275.94M |
| Operating Cash Flow | 138.80M | 211.07M | 799.71M | 54.88M | -270.00M |
| Investing Cash Flow | -294.00M | -55.22M | -1.75B | -849.56M | 309.42M |
| Financing Cash Flow | 386.76M | -371.98M | 184.10M | 1.27B | 1.05B |
FB Financial Technical Analysis
FB Financial Risk Analysis
FB Financial Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $2.32B | 10.80 | 10.99% | 2.45% | 17.67% | ― | |
78 Outperform | $2.50B | 19.60 | 5.82% | 2.49% | 4.52% | 7.58% | |
74 Outperform | $2.63B | 25.46 | 5.81% | 1.48% | -5.60% | -22.11% | |
73 Outperform | $2.15B | 14.47 | 4.94% | 5.96% | 23.09% | 1086.91% | |
72 Outperform | $2.40B | 18.75 | 31.33% | 1.52% | 13.22% | 22.43% | |
71 Outperform | $2.01B | 15.93 | 5.89% | 2.77% | 2.60% | 14.96% | |
68 Neutral | $17.10B | 11.62 | 9.70% | 3.86% | 11.32% | -7.37% |
FB Financial Corporate Events
FB Financial Corporation reported its financial results for the second quarter of 2025, showing a net income of $2.9 million, or $0.06 per diluted share, a decrease from the previous quarter and the same quarter last year. However, the adjusted net income was significantly higher at $40.8 million, or $0.88 per diluted share. The company experienced growth in loans and deposits, with loans held for investment increasing to $9.87 billion and deposits rising to $11.40 billion. The net interest margin improved to 3.68%, and the company repositioned its balance sheet by selling low-yielding securities, resulting in a GAAP loss but enhancing liquidity and margin. The recent merger with Southern States Bancshares, Inc. positions FB Financial well for the second half of the year.
The most recent analyst rating on (FBK) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.
On July 1, 2025, FB Financial completed its merger with Southern States Bancshares, resulting in FB Financial continuing as the surviving corporation and FirstBank as the surviving bank. Southern States shareholders received 0.800 shares of FB Financial stock per share, with the transaction valued at approximately $368.4 million. The merger expands FB Financial’s market presence and is expected to deliver long-term value for stakeholders. Additionally, J. Henry Smith IV was appointed to the board of directors, bringing extensive business management and bank governance experience.
The most recent analyst rating on (FBK) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.
On June 26, 2025, FB Financial Corporation held a special shareholder meeting to discuss two key proposals related to a merger with Southern States Bancshares, Inc. The shareholders approved both the issuance of common stock for the merger and the potential adjournment of the meeting to gather additional votes if necessary, indicating strong support for the merger plan.
The most recent analyst rating on (FBK) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.
On June 12, 2025, FB Financial Corporation announced it had received all necessary regulatory approvals for its merger with Southern States Bancshares, Inc., with the transaction expected to close on July 1, 2025. This merger is anticipated to enhance FB Financial’s market position, although it carries potential risks related to integration and market conditions.
The most recent analyst rating on (FBK) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.
On June 4, 2025, FB Financial Corporation’s management team presented at the Stephens Nashville Bank Trip, discussing the company’s strategic plans and potential merger with Southern States Bancshares, Inc. The presentation highlighted forward-looking statements about the merger’s expected benefits, while also cautioning about various risks and uncertainties that could impact future performance. The company emphasized the importance of regulatory approvals and shareholder votes for the merger’s success.
The most recent analyst rating on (FBK) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.
On May 22, 2025, FB Financial Corporation held its annual shareholders meeting, where 12 directors were elected to serve for one year. Shareholders approved the compensation of executive officers on a non-binding basis and ratified Crowe LLP as the independent accounting firm for 2025. However, a proposal to amend the company’s charter to eliminate supermajority voting standards did not pass.
The most recent analyst rating on (FBK) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on FB Financial stock, see the FBK Stock Forecast page.