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FB Financial Corporation

FBK

NYSEFinancial ServicesBanks - Regional

Previous close

$58.65

+$0.11 · +0.19%

Aug 21, 4:00 PM ET

FBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

46

Fair Value

Momentum

48

Neutral

Sentiment

69

Bullish

Risk resilience

76

Moderate Risk

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Company profile

Company website

FB Financial Corporation functions as the parent entity for FirstBank, offering an extensive array of commercial and consumer banking solutions tailored for businesses, professionals, and individual clients. The company organizes its activities into two primary divisions: Banking and Mortgage. Its deposit offerings include checking, demand, money market, savings accounts, time deposits, and certificates of deposit. For lending, FB Financial provides a wide range of products for corporate, commercial, and consumer customers, such as financing for owner-occupied and investment commercial real estate, residential mortgages for single-family to four-family homes and multi-family units, commercial and industrial loans, construction financing, land acquisition, and land development loans. Consumer credit options feature residential lines of credit, loans for vehicles (cars, boats, and other recreational vehicles), manufactured homes (excluding land), and personal lines of credit. Additionally, the company engages in mortgage origination and delivers mortgage banking services through its branch network across the southeastern U.S. and via its digital platforms. Further services include trust, insurance, investment advisory, and modern online and mobile banking capabilities. As of December 31, 2021, FB Financial maintained a physical presence with 82 full-service and 9 limited-service bank branches across Tennessee, Northern Alabama, Southern Kentucky, and Northern Georgia, in addition to 23 mortgage offices situated throughout the southeastern United States. The company, which originated in 1906, was formerly known as First South Bancorp, Inc., before adopting the name FB Financial Corporation in 2016, and its headquarters are located in Nashville, Tennessee.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Christopher T. Holmes
Listed since
Sep 16, 2016
Employees
1,594

Market position

Day range

Current $58.65

52-week range

Current $58.65

Open
$59.115
Previous close
$58.54
Volume
144.64K
0.42× average
Average volume
343.09K
Average daily volume
Market cap
3.02B USD
Beta
0.93
Market reference 1
50-day average
$58.1118
+0.93% above average
200-day average
$55.9694
+4.79% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.3B USD
P/E (TTM)
15.6×
P/B (TTM)
1.57×
P/S (TTM)
2.92×
EV / EBITDA
15.28×
Earnings yield
4.14%
Free cash flow yield
4.96%
Dividend yield
1.40%

Profitability & efficiency

Gross margin
62.91%
Operating margin
23.85%
Net margin
19.00%
Return on equity
6.29%
Return on assets
0.75%
Return on invested capital
5.24%

Financial health

Debt / equity
0.19×
Current ratio
0.12×
Altman Z-score
0.32
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%75%40%5%Gross margin, FY2021: 100.55%Gross margin, FY2022: 85.22%Gross margin, FY2023: 63.45%Gross margin, FY2024: 58.13%Gross margin, FY2025: 58.86%Operating margin, FY2021: 39.63%Operating margin, FY2022: 26.76%Operating margin, FY2023: 20.07%Operating margin, FY2024: 19.13%Operating margin, FY2025: 15.78%Net margin, FY2021: 31.03%Net margin, FY2022: 20.89%Net margin, FY2023: 16.05%Net margin, FY2024: 15.13%Net margin, FY2025: 13.97%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.55%. Gross margin FY2022 85.22%. Gross margin FY2023 63.45%. Gross margin FY2024 58.13%. Gross margin FY2025 58.86%. Operating margin FY2021 39.63%. Operating margin FY2022 26.76%. Operating margin FY2023 20.07%. Operating margin FY2024 19.13%. Operating margin FY2025 15.78%. Net margin FY2021 31.03%. Net margin FY2022 20.89%. Net margin FY2023 16.05%. Net margin FY2024 15.13%. Net margin FY2025 13.97%.

Income trends

Revenue

877.84M USD+14.48%

Operating income

138.52M USD-5.56%

Net income

122.62M USD+5.68%
Income trends across reported periods954.02M USD649.3M USD344.58M USD39.85M USDRevenue, FY2021: 613.25M USDRevenue, FY2022: 596.35M USDRevenue, FY2023: 748.98M USDRevenue, FY2024: 766.78M USDRevenue, FY2025: 877.84M USDOperating income, FY2021: 243.05M USDOperating income, FY2022: 159.57M USDOperating income, FY2023: 150.29M USDOperating income, FY2024: 146.67M USDOperating income, FY2025: 138.52M USDNet income, FY2021: 190.29M USDNet income, FY2022: 124.56M USDNet income, FY2023: 120.22M USDNet income, FY2024: 116.04M USDNet income, FY2025: 122.62M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 613.25M USD. Revenue FY2022 596.35M USD. Revenue FY2023 748.98M USD. Revenue FY2024 766.78M USD. Revenue FY2025 877.84M USD. Operating income FY2021 243.05M USD. Operating income FY2022 159.57M USD. Operating income FY2023 150.29M USD. Operating income FY2024 146.67M USD. Operating income FY2025 138.52M USD. Net income FY2021 190.29M USD. Net income FY2022 124.56M USD. Net income FY2023 120.22M USD. Net income FY2024 116.04M USD. Net income FY2025 122.62M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue877.84M USD766.78M USD748.98M USD596.35M USD613.25M USD
Cost of goods sold361.1M USD321.04M USD273.73M USD88.17M USD−3.37M USD
Gross profit516.73M USD445.74M USD475.25M USD508.19M USD616.62M USD
Selling, general, and administrative245.81M USD190.82M USD211.71M USD222.7M USD262.24M USD
Operating expenses378.21M USD299.07M USD324.96M USD348.61M USD373.57M USD
Interest income833.93M USD725.54M USD678.41M USD481.42M USD385M USD
Interest expense317.83M USD309.04M USD271.19M USD69.19M USD37.63M USD
Depreciation and amortization12.19M USD14.91M USD14.84M USD12.6M USD13.89M USD
Operating income138.52M USD146.67M USD150.29M USD159.57M USD243.05M USD
Net income122.62M USD116.04M USD120.22M USD124.56M USD190.29M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+5.59%
11 comparable reports
Latest EPS result
1.14
Estimate 1.15 · Miss by 0.87%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.261.10.950.79Q1 '25BeatQ2 '25MetQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 0.85, estimate 0.84, surprise +1.19%, Beat. Q2 2025, reported Apr 14, 2025: actual 0.85, estimate 0.85, surprise 0.00%, Met estimate. Q3 2025, reported Jul 14, 2025: actual 0.88, estimate 0.89, surprise -1.12%, Miss. Q4 2025, reported Oct 14, 2025: actual 1.07, estimate 0.96, surprise +11.46%, Beat. Q1 2026, reported Jan 21, 2026: actual 1.16, estimate 1.14, surprise +1.75%, Beat. Q2 2026, reported Apr 13, 2026: actual 1.12, estimate 1.11, surprise +0.90%, Beat. Q3 2026, reported Jul 13, 2026: actual 1.14, estimate 1.15, surprise -0.87%, Miss. Q4 2026, reported Oct 13, 2026: actual —, estimate 1.21, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates188.66M166.91M145.16M123.42MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 132.55M USD, estimate 132.34M USD, surprise +0.15%, Beat. Q2 2025, reported Apr 14, 2025: actual 130.67M USD, estimate 131.86M USD, surprise -0.90%, Miss. Q3 2025, reported Jul 14, 2025: actual 147.53M USD, estimate 136.32M USD, surprise +8.22%, Beat. Q4 2025, reported Oct 14, 2025: actual 173.88M USD, estimate 167.75M USD, surprise +3.65%, Beat. Q1 2026, reported Jan 21, 2026: actual 178.6M USD, estimate 175.98M USD, surprise +1.49%, Beat. Q2 2026, reported Apr 13, 2026: actual 172.34M USD, estimate 175.3M USD, surprise -1.69%, Miss. Q3 2026, reported Jul 13, 2026: actual 174.75M USD, estimate 177.45M USD, surprise -1.52%, Miss. Q4 2026, reported Oct 13, 2026: actual —, estimate 181.4M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$64.00

9.12% upside
Past 12 months12-month forecastHigh $65.00Average $64.00Low $63.00

Rating distribution

15 ratings
Strong buy17%
Buy960%
Hold427%
Sell17%
Strong sell00%

Recent analyst actions

9 institutions
BenchmarkmaintainBuy

FBK news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.76

2025 complete year+72.7% since 2021

2026 partial: $0.63

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 11, 2026

$0.21

Quarterly

Record Aug 11, 2026 · Payment Aug 25, 2026

Dividend

Ex-dividend May 12, 2026

$0.21

Quarterly

Record May 12, 2026 · Payment May 26, 2026

Dividend

Ex-dividend Feb 10, 2026

$0.21

Quarterly

Record Feb 10, 2026 · Payment Feb 24, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.19

Quarterly

Record Nov 11, 2025 · Payment Nov 25, 2025

Dividend

Ex-dividend Aug 12, 2025

$0.19

Quarterly

Record Aug 12, 2025 · Payment Aug 26, 2025

Dividend

Ex-dividend May 13, 2025

$0.19

Quarterly

Record May 13, 2025 · Payment May 27, 2025

FBK peers

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