FB Financial Corporation

FB Financial Corporation

FBKยทNYSE

$51.81

-0.19%
Financial ServicesBanks - Regional

FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services to businesses, professionals, and individuals. The company operates in two segments, Banking and Mortgage. It offers checking, demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits and certificates of deposits, as well as engages in the mortgage origination business. The company also provides owner-occupied and non-owner-occupied real estate commercial, residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition, residential lines of credit, and land development loans; and consumer and other loans, such as car, boat, and other recreational vehicle loans, as well as manufactured homes without real estate and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch networks in the southeastern United States; an internet delivery channel; and trust, insurance, and investment services, as well as online and mobile banking services. As of December 31, 2021, it operated 82 full-service bank branches and 9 limited-service branches locations throughout Tennessee, North Alabama, Southern Kentucky, and North Georgia; and 23 mortgage offices throughout the southeastern United States. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.

At a Glance

Live Snapshot
Market Cap$2.67B
EPS2.4100
P/E Ratio21.50
Earnings Date07/13/2026
3Y-81.0%
5Y-158.0%
10Y-164.0%
3Y-98.0%
5Y-110.0%
10Y-1.0%
3Y-105.0%
5Y-101.0%
10Y-103.0%
FBK

FB Financial Corporation Cash Conversion Engine

FBK ยท NYSE
Net Income122.64M
Depreciation & Amortization17.35M
Stock-Based Compensation17.31M
Change in Working Capital-15.63M
Others19.09M
Capital Expenditures-8.85M
Free Cash Flow147.01M

Cash Flow Quality Analysis

FCF Conversion Rate

119.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+11.2%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$15.63M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

FB Financial Corporation Cash Flow Statement

FBK โ€ข NYSE

FB Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
OPERATING ACTIVITIES
122.6M
116.1M
120.2M
124.6M
190.3M
63.6M
83.8M
80.2M
52.4M
40.6M
47.9M
32.5M
26.9M
20.5M
17.4M
14.9M
14.8M
12.6M
13.9M
12.9M
9.5M
7.5M
6.3M
14.4M
7.6M
5.1M
4.7M
4.7M
-4.9M
-1.8M
-1.4M
12.6M
30.8M
-25.5M
-1.9M
6.4M
6.5M
9.3M
1.6M
842K
351K
0.0
17.3M
9.5M
10.4M
9.9M
10.3M
10.2M
7.1M
7.2M
6.8M
4.7M
0.0
0.0
0.0
1.1M
19.1M
21.6M
72.6M
585.7M
-148.6M
-320.1M
-2.7M
150M
-88.4M
-304.8M
-114.4M
-148.6M
26.5M
-36M
(21M)
(43.2M)
(37.9M)
(906K)
(61.7M)
(20.4M)
(25.3M)
(24.4M)
(22.3M)
(1.3M)
(1.8M)
(1.5M)
(1.2M)
(0.0)
-15.6M
-21.5M
-5.6M
54.1M
-41.8M
-11.1M
-31.9M
-39.1M
54.1M
-9.4M
11.5M
4.6M
2.5M
0.0
155.9M
138.8M
211.1M
799.7M
54.9M
-270M
63.9M
212.2M
37.6M
-245.2M
-45.8M
-105.6M
61M
-10.9M
INVESTING ACTIVITIES
(0.0)
-6.5M
-20.2M
-10.6M
-6.1M
-5.9M
-6.8M
-10.1M
-4.5M
-4.8M
-5.9M
-5.4M
-5.9M
-7.7M
(370.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(248.4M)
(171M)
(0.0)
-135.1M
(0.0)
(24M)
(0.0)
(0.0)
(0.0)
(0.0)
-915.4M
-202.1M
-252.9M
-847.2M
-425M
-151.4M
-203.8M
-81.4M
-316.4M
-164.9M
-109.7M
-125M
(0.0)
2.6M
826.3M
231.8M
206M
305.1M
367M
137.5M
75.8M
178.1M
375.5M
297.8M
153.3M
157.6M
0.0
-405.3M
-198.3M
-64.7M
-1.7B
-301.4M
124.8M
-333.2M
-448.3M
-224.2M
-87.1M
-202.9M
-67.8M
-100.9M
-114.9M
-32.5M
-294M
-55.2M
-1.8B
-849.6M
(309.4M)
-182.9M
-586.5M
-267.2M
-32.7M
-51.8M
-29.6M
-74.2M
-122.6M
FINANCING ACTIVITIES
-155M
-11.8M
-4.2M
-38.8M
-6.1M
978K
804K
1.2M
153.4M
116.1M
0.0
0.0
0.0
0.0
-44.6M
-130M
-45M
175M
-75M
-136.8M
68.2M
-120.6M
53.6M
36.7M
-89.6M
6M
50.5M
0.0
-37.9M
-31.8M
-28.1M
-24.5M
-20.9M
-14.2M
-10M
-6.1M
(0.0)
-69.3M
-25.4M
-14.9M
-11.3M
(0.0)
-155.9M
-12.7M
-4.9M
-40M
-7.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
227.5M
560.4M
-294.7M
72.4M
1.4B
1.2B
167.3M
509.3M
6M
233.1M
260.3M
126.4M
-17.2M
134.9M
-10M
386.8M
-372M
184.1M
1.3B
1B
226.3M
379.9M
213M
316.5M
145.4M
117.6M
22M
134.9M
CASH FLOW SUMMARY
113.4M
231.6M
-216.1M
-770.7M
479.8M
1.1B
107.3M
5.6M
-16.6M
38.6M
47.8M
-17.6M
8.8M
1.5M
1B
810.9M
1B
1.8B
1.3B
232.7M
125.4M
119.8M
136.3M
97.7M
50M
67.6M
58.8M
57.4M
1.2B
1B
810.9M
1B
1.8B
1.3B
232.7M
125.4M
119.8M
136.3M
97.7M
50M
67.6M
58.8M
147M
132.3M
190.8M
789.1M
48.8M
-275.9M
57.1M
202.1M
33.1M
-250M
-51.7M
-111M
55.1M
-18.5M

SEC Filings

FBK - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

May 13, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 04, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 13, 2026
April 13, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 06, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

February 03, 2026
January 28, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
Showing 1 to 10 of 228 filings