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+47.0%
5Y+42.0%
10Y+231.0%
3Y-2.0%
5Y+93.0%
10Y+202.0%
3Y-81.0%
5Y-158.0%
10Y-164.0%
FB Financial Corporation

FB Financial Corporation Profit Bridge

FBK ยท NYSE
Revenue877.84M
Cost of Goods Sold (361.10M)
Gross Profit516.73M
Operating Expenses (378.21M)
Operating Income138.52M
Interest Expense (317.83M)
Other Income/Expense0.00
Pretax Income138.52M
Income Tax (15.88M)
Net Income122.62M
Net Income
122.62M

Profitability Analysis

Gross Margin

58.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

15.8%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

14.0%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

11.5%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

FB Financial Corporation Income Statement

FBK โ€ข NYSE

FB Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
877.8M
766.8M
749M
596.4M
613.3M
616.5M
417.9M
370.2M
311.2M
265.2M
192.4M
143.7M
128.5M
105.8M
GROSS PROFIT
(361.1M)
(321M)
(273.7M)
(88.2M)
-3.4M
(157M)
(63.6M)
(40.9M)
(15.4M)
(8.1M)
(5.8M)
(6.8M)
(10.1M)
(0.0)
516.7M
445.7M
475.2M
508.2M
616.6M
459.5M
354.4M
329.3M
295.8M
257.1M
186.5M
136.9M
118.4M
105.8M
OPERATING INCOME
(378.2M)
(299.1M)
(325M)
(348.6M)
(373.6M)
(377.1M)
(244.8M)
(223.5M)
(222.3M)
(194.8M)
(135.7M)
(102.2M)
(89.6M)
(83.9M)
(245.8M)
(190.8M)
(211.7M)
(222.7M)
(262.2M)
(243.8M)
(161.2M)
(150M)
(143M)
(127.5M)
(94.1M)
(68.2M)
(57.6M)
(60.8M)
138.5M
146.7M
150.3M
159.6M
243.1M
82.5M
109.5M
105.9M
73.5M
62.3M
50.8M
34.7M
28.8M
31.2M
PRE-TAX INCOME
(317.8M)
(309M)
(271.2M)
(69.2M)
(37.6M)
(49M)
(56.5M)
(35.5M)
(16.3M)
(9.5M)
(8.9M)
(9.5M)
(11.6M)
(0.0)
516.1M
416.5M
407.2M
412.2M
347.4M
265.7M
226M
204.1M
153.3M
111M
93.9M
83.4M
75.5M
0.0
(132.4M)
(108.2M)
(113.2M)
(125.9M)
(111.3M)
(133.3M)
(83.6M)
(73.4M)
(79.4M)
(67.3M)
(41.4M)
(34M)
(32M)
(0.0)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-9.2M
138.5M
146.7M
150.3M
159.6M
243.1M
82.5M
109.5M
105.9M
73.5M
62.3M
50.8M
34.7M
28.8M
22M
NET INCOME
(15.9M)
(30.6M)
(30.1M)
(35M)
(52.8M)
(18.8M)
(25.7M)
(25.6M)
(21.1M)
(21.7M)
(3M)
(2.3M)
(1.9M)
(1.5M)
122.6M
116M
120.2M
124.6M
190.3M
63.6M
83.8M
80.2M
52.4M
40.6M
47.9M
32.5M
26.9M
20.5M

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