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Financials · FBK

FB Financial Corporation (FBK) financials

For the twelve months ended Sep 30, 2026, FB Financial Corporation reported $700.18M of revenue and $233.35M of net income.

Revenue, TTM
$700.18M
Revenue growth, YoY
+36.8%
Net income, TTM
$233.35M
Net income growth, YoY
+125.4%
Net margin
33.3%
Free cash flow, TTM
$172.53M
EPS, diluted, TTM
$4.55
EPS growth, YoY
+111.6%
Cash
$1.02B
Total debt
$265.39M
P/E
11.58
P/S
3.86
Market cap
$2.70B
Annual revenue$560.01M
FY2016FY2025
Annual net income$122.62M
FY2016FY2025
Annual free cash flow$147.01M
FY2016FY2025

FBK revenue and earnings growth

FBK revenueQ3 2026$174.49M

Quarter YoY
+0.4%
QoQ
-0.2%
FY YoY
+22.9%
5Y CAGR
-0.3%
10Y CAGR
+11.6%

FBK revenue was $174.49M in fiscal Q3 2026 (ended Sep 30, 2026), up 0.4% from a year earlier and down 0.2% from the prior quarter. For the full fiscal 2025 it was $560.01M, up 22.9% from fiscal 2024. Compound annual growth was -0.3% over 5 years and +11.6% over 10 years. It rose in 7 of the last 10 fiscal years.

FBK net incomeQ3 2026$60.20M

Quarter YoY
+157.5%
QoQ
+2.6%
FY YoY
+5.7%
5Y CAGR
+14.0%
10Y CAGR
+9.9%

FBK net income was $60.20M in fiscal Q3 2026 (ended Sep 30, 2026), up 157.5% from a year earlier and up 2.6% from the prior quarter. For the full fiscal 2025 it was $122.62M, up 5.7% from fiscal 2024. Compound annual growth was +14.0% over 5 years and +9.9% over 10 years. It rose in 5 of the last 10 fiscal years.

FBK EPSQ3 2026$1.20

Quarter YoY
+179.1%
QoQ
+6.2%
FY YoY
-1.2%
5Y CAGR
+8.0%

FBK diluted EPS was $1.20 in fiscal Q3 2026 (ended Sep 30, 2026), up 179.1% from a year earlier and up 6.2% from the prior quarter. For the full fiscal 2025 it was $2.45, down 1.2% from fiscal 2024. Compound annual growth was +8.0% over 5 years.

FBK free cash flowQ3 2026$18.24M

Quarter YoY
-60.0%
QoQ
-75.3%
FY YoY
+11.2%

FBK free cash flow was $18.24M in fiscal Q3 2026 (ended Sep 30, 2026), down 60.0% from a year earlier and down 75.3% from the prior quarter. For the full fiscal 2025 it was $147.01M, up 11.2% from fiscal 2024. It rose in 2 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$560.01M$455.57M$477.76M$526.90M$575.63M$567.51M$361.43M$334.71M$294.85M$255.63M
Interest expense--$271.19M$69.19M$37.63M$48.99M$56.50M$35.50M$16.34M$9.54M
Pre-tax income$138.52M$146.67M$150.29M$159.57M$243.05M$82.46M$109.54M$105.85M$73.48M$62.32M
Income tax$15.88M$30.62M$30.05M$35.00M$52.75M$18.83M$25.73M$25.62M$21.09M$21.73M
Net income$122.62M$116.03M$120.22M$124.56M$190.28M$63.62M$83.81M$80.24M$52.40M$40.59M
EPS, basic$2.47$2.48$2.57$2.64$4.01$1.69$2.70$2.60$1.90$2.12
EPS, diluted$2.45$2.48$2.57$2.64$3.97$1.67$2.65$2.55$1.86$2.10
Diluted shares50.1M46.9M46.8M47.2M48.0M38.1M31.4M31.3M28.2M19.3M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.16B$1.04B$810.93M$1.03B$1.80B$1.32B$232.68M$125.36M$119.75M$136.33M
Goodwill$350.35M$242.56M$242.56M$242.56M$242.56M$242.56M$169.05M$137.19M$137.19M$46.87M
Total assets$16.30B$13.16B$12.60B$12.85B$12.60B$11.21B$6.12B$5.14B$4.73B$3.28B
Short-term debt------$0$0$0$150.00M
Total debt$212.76M$176.79M$390.96M$415.68M$171.78M$238.32M$304.68M$227.78M$347.60M$44.89M
Total liabilities$14.35B$11.59B$11.15B$11.52B$11.16B$9.92B$5.36B$4.46B$4.13B$2.95B
Shareholders' equity$1.95B$1.57B$1.45B$1.33B$1.43B$1.29B$762.33M$671.86M$596.73M$330.50M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$155.86M$138.80M$211.07M$799.71M$54.90M-$270.00M$63.91M$212.21M$37.61M-$245.20M
Capital expenditures$8.85M$6.55M$20.23M$10.63M$6.10M$5.93M$6.81M$10.14M$4.54M$4.78M
Free cash flow$147.01M$132.25M$190.84M$789.08M$48.79M-$275.94M$57.09M$202.06M$33.06M-$249.99M
Investing cash flow-$32.48M-$294.00M-$55.22M-$1.75B-$849.56M$310.14M-$182.91M-$586.50M-$267.17M-$32.74M
Financing cash flow-$9.97M$386.76M-$371.98M$183.72M$1.27B$1.05B$226.33M$379.90M$212.98M$316.55M
Dividends paid$37.89M$31.78M$28.06M$24.50M$20.87M$14.18M$10.04M$6.14M$0$69.30M
Share repurchases$155.91M$12.70M$4.94M$39.98M$7.59M$0$0$491.77M$241.38M-
Stock-based compensation$17.31M$9.48M$10.38M$9.86M$10.28M$10.21M$7.09M$7.21M$6.76M$4.69M
Depreciation and amortization$12.05M$11.97M$11.18M$8.02M$8.42M$7.54M$5.18M$4.33M$4.32M$4.00M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY22.9%-4.6%-9.3%-8.5%1.4%57.0%8.0%13.5%15.3%37.3%
Net income growth, YoY5.7%-3.5%-3.5%-34.5%199.1%-24.1%4.5%53.1%29.1%-15.2%
EPS growth, YoY-1.2%-3.5%-2.7%-33.5%137.7%-37.0%3.9%37.1%--24.7%
Net margin21.9%25.5%25.2%23.6%33.1%11.2%23.2%24.0%17.8%15.9%
Free cash flow margin26.3%29.0%39.9%149.8%8.5%-48.6%15.8%60.4%11.2%-97.8%
Return on equity6.3%7.4%8.3%9.4%13.3%4.9%11.0%11.9%8.8%12.3%
Return on assets0.8%0.9%1.0%1.0%1.5%0.6%1.4%1.6%1.1%1.2%
Debt to equity0.110.110.270.310.120.180.400.340.580.14

Source: XBRL data FB Financial Corporation files with the SEC, latest filing dated Nov 2, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FBK$700.18M+36.8%$233.35M33.3%$2.70B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

FBK FAQ

8 questions
  • What is FBK revenue?
    FB Financial Corporation (FBK) reported $700.18M of revenue for the twelve months ended Sep 30, 2026. That is up 36.8% from the year before. Revenue for fiscal 2025 was $560.01M.
  • Is FBK profitable?
    Yes. FB Financial Corporation earned $233.35M in net income for the twelve months ended Sep 30, 2026, a net margin of 33.3%.
  • How much cash and debt does FBK have?
    FB Financial Corporation reported $1.02B in cash and cash equivalents and $265.39M of debt on its most recent balance sheet in SEC filings.
  • How fast is FBK revenue growing?
    FB Financial Corporation's revenue changed +22.9% in fiscal 2025, to $560.01M. Its compound annual growth rate was -0.3% over 5 years and +11.6% over 10 years.
  • What is FBK free cash flow?
    FB Financial Corporation generated $172.53M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $179.00M less capital expenditures.
  • What is FBK earnings per share?
    Diluted earnings per share were $4.55 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FBK last report financial results?
    The latest statements here come from FB Financial Corporation's 10-Q filed on Nov 2, 2026, covering the period ended Sep 30, 2026.
  • Where does this FBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data FB Financial Corporation files with the SEC. It is provided for information only and is not investment advice.