Inferra AI / Company / FBK

FB Financial Corp

FBK · Financials

Last earnings Oct 13, 2026

Key results

EPSquarter

$0.43

Diluted EPS of $0.43, Adjusted Diluted EPS* of $1.07

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Adjusted EPSquarter

$1.07

Diluted EPS of $0.43, Adjusted Diluted EPS* of $1.07

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Net incomequarter

$23.4 million

net income of $23.4 million, or $0.43 per diluted common share, for the third quarter of 2025, compared to $0.06 in the previous quarter and $0.22 in the third quarter of last year.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Adjusted net incomequarter

$57.6 million

Adjusted net income* was $57.6 million, or $1.07 per diluted common share, compared to $0.88 in the previous quarter and $0.86 in the third quarter of last year.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Revenuequarter

$81.0 million

The Company reported adjusted pre-tax, pre-provision net revenue* of $81.0 million for the third quarter of 2025, reflecting increases of 38.1% and 50.6% from $58.6 million and $53.8 million in the previous quarter and third quarter of last year, respectively.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Net income of $23.4 million or $57.6 million (adjusted) Adjusted net income excludes $44 million in pre-tax merger related provision and integration expense NIM expansion to 3.95% and improved efficiency ratio Strong ROAA & ROATCE (after merger-related adjustments) Balance Sheet Merger adds balance sheet scale $16.2B i

SEC original ↗FB Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

AI analysis

Q3 2025 · reported Oct 14, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Revenue · Q3 2025

$81.0M

EX-99 · Oct 14, 2025

EPS · Q3 2025

$0.43

EX-99 · Oct 14, 2025

Net income · Q3 2025

$23.4M

EX-99 · Oct 14, 2025

Adjusted EPS · Q3 2025

$1.07

EX-99 · Oct 14, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
EPS	$0.43	—	—
Adjusted EPS	$1.07	—	—
Net income	$23.4 million	—	—
Adjusted net income	$57.6 million	—	—
Revenue	$81.0 million	—	—

EX-99 · Oct 14, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

This net accretion impact reflects $7.0 million in interest income from accretion on loans HFI and $0.8 million in interest expense from amortization on deposits and debt.

NIM saw an incrementally positive impact from the September redemption of subordinated and trust preferred debt, with full benefits expected in the fourth quarter.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

FB Financial Corp Q3 2025 — Diluted EPS of $0.43, Adjusted Diluted EPS* of $1.07

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

This net accretion impact reflects $7.0 million in interest income from accretion on loans HFI and $0.8 million in interest expense from amortization on deposits and debt.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

NIM saw an incrementally positive impact from the September redemption of subordinated and trust preferred debt, with full benefits expected in the fourth quarter.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Holmes continued, In the third quarter, we saw meaningful margin improvement driven by several strategic actions, most notably the combination of balance sheets from our merger, investment portfolio restructuring in the previous quarter, debt redemption and disciplined management of deposit costs.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

The Company repurchased 493,243 shares during the quarter.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

(d) Includes average of optional rights to repurchase government guaranteed GNMA mortgage loans previously sold that have become past due greater than 90 days of $21,645 and 25,159 for the three months ended September 30, 2025 and June 30, 2025, respectively.

SEC original ↗FB Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

(d) Includes average of optional rights to repurchase government guaranteed GNMA mortgage loans previously sold that have become past due greater than 90 days of $30,731, $31,519 and $25,451 for the three months ended March 31, 2025, December 31, 2024 and September 30, 2024, respectively.

SEC original ↗FB Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

Strategy & priorities

Our team remains focused on disciplined capital management and investing in our future, all with the goal of delivering top-tier returns.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Chief Financial Officer Michael Mettee commented, We re continuing to build scale and improve profitability, boosted by the strategic combination with Southern States and disciplined operational management.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

We've built a solid foundation, and we expect to carry momentum into the fourth quarter and beyond with a focus on driving performance and delivering results.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Our merger with Southern States has progressed smoothly, but our work doesn t stop there we remain focused on serving customers and building new relationships.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Risks & headwinds

Accordingly, the Company cautions shareholders and investors that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward-looking statements.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company.

SEC original ↗FB Financial Corp — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Legal Proceedings 96 Item 1A.

SEC original ↗FB Financial Corp — 10-Q Quarterly report10-QAug 3, 2026

Documents

Earnings deck slides

0 decks with slide view

FB Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors