What is FB Financial Corporation's earnings per share (EPS)?

FB Financial Corporation (FBK) reported diluted earnings per share of $2.45 for fiscal year 2025. This represents a -1.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

FB Financial Corporation (FBK) Financials

FBK

Trailing 12 months to June 30, 2026

Revenue $699.6M +63.7% YoY

Net Income $196.5M +117.5% YoY

EPS (Diluted) $3.77 +95.3% YoY

Free Cash Flow $199.9M +67.3% YoY

Market Cap $2.5B as of Oct 14, 2026

Price / Sales 3.6x on $699.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.8x on $196.5M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $1.9B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FBK SEC filings page.

FB Financial Corporation (FBK) reported $699.6M in revenue over the twelve months to Jun 30, 2026, up 63.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FBK FY2025 2026-10-04

FB Financial’s balance sheet is expanding faster than earnings, while FY2025 shareholder distributions exceeded internally generated free cash.

From FY2021 to FY2025, assets expanded 29.4% while net income declined 35.6%, showing scale increased without matching earnings growth. ROA then fell from 1.5% to 0.8%, so the larger asset base is producing less profit per dollar deployed.

FY2025 operating cash flow of $155.9M exceeded net income of $122.6M, but that agreement is not consistent across the period. In FY2022, operating cash flow reached $799.7M while net income was $124.6M, indicating bank cash flow can be dominated by balance-sheet movements rather than current-period profit.

FY2025 dividends and buybacks totaled $193.5M against free cash flow of $147.0M, so capital returned exceeded internally generated free cash. Equity nevertheless increased during FY2025 while debt-to-equity remained near 0.1x, indicating expansion was not funded simply through higher leverage.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of FB Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

FB Financial Corporation earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and FB Financial Corporation scores 46/100 among other banks.

Growth

FB Financial Corporation reported revenue of $560.0M in fiscal year 2025, against $455.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and FB Financial Corporation scores 52/100 among other banks.

Capital

FB Financial Corporation funded 12.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.9B of equity against $16.3B of assets. Capital ranks banks on that cushion, and FB Financial Corporation scores 58/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. FB Financial Corporation scores 38/100 on it among other banks.

Credit Quality

Not available for FB Financial Corporation, and counted as zero in the overall score.

Stability

FB Financial Corporation reported net income of $122.6M in fiscal year 2025, against $116.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and FB Financial Corporation scores 57/100 among other banks.

Piotroski F-Score Partial

4/7

FB Financial Corporation passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.27x

For every $1 of reported earnings, FB Financial Corporation generates $1.27 in operating cash flow ($155.9M OCF vs $122.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$174.8M

YoY+127.4%

QoQ+1.4%

5Y CAGR+5.2%

10Y CAGR+10.1%

FB Financial Corporation generated $174.8M in revenue in Q2 2026. This represents an increase of 127.4% from the same quarter a year earlier. Against the prior quarter it is up 1.4%.

Net Income

$58.6M

YoY+1916.1%

QoQ+2.0%

5Y CAGR+6.3%

10Y CAGR+14.0%

FB Financial Corporation reported $58.6M in net income in Q2 2026. This represents an increase of 1916.1% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.

EPS (Diluted)

$1.13

YoY+1783.3%

QoQ+2.7%

5Y CAGR+4.7%

10Y CAGR+2.1%

FB Financial Corporation earned $1.13 per diluted share (EPS) in Q2 2026. This represents an increase of 1783.3% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$73.8M

YoY+8.0%

QoQ+152.3%

5Y CAGR-5.2%

FB Financial Corporation generated $73.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 8.0% from the same quarter a year earlier. Against the prior quarter it is up 152.3%.

Cash & Debt

$1.1B

YoY-4.6%

QoQ-3.9%

5Y CAGR-8.3%

10Y CAGR+28.7%

FB Financial Corporation held $1.1B in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.21

YoY+10.5%

QoQ0.0%

5Y CAGR+13.8%

FB Financial Corporation paid $0.21 per share in dividends in Q2 2026. This represents an increase of 10.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

50M

YoY-7.2%

QoQ-3.0%

5Y CAGR+1.1%

FB Financial Corporation had 50M shares outstanding in Q2 2026. This represents a decrease of 7.2% from the same quarter a year earlier. Against the prior quarter it is down 3.0%.

Margins & Returns

Net Margin

33.6%

YoY+29.8pp

QoQ+0.2pp

5Y change+1.7pp

10Y change+9.9pp

FB Financial Corporation's net profit margin was 33.6% in Q2 2026, showing the share of revenue converted to profit. This is up 29.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Return on Equity

3.0%

YoY+2.9pp

QoQ+0.1pp

5Y change-0.1pp

10Y change-2.9pp

FB Financial Corporation's ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$84.2M

YoY+145.8%

QoQ+285.6%

FB Financial Corporation spent $84.2M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 145.8% from the same quarter a year earlier. Against the prior quarter it is up 285.6%.

Capital Expenditures

$1.7M

YoY-51.4%

QoQ-5.0%

5Y CAGR+13.4%

10Y CAGR+6.8%

FB Financial Corporation invested $1.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 51.4% from the same quarter a year earlier. Against the prior quarter it is down 5.0%.

R&D Spending

Not reported for Q2 2026.

FBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Revenue	$699.6M	$560.0M+22.9%	$455.6M-4.6%	$477.8M-9.3%	$526.9M-8.5%	$575.6M+1.4%	$567.5M+57.0%	$361.4M+8.0%	$334.7M+13.5%	$294.9M+15.3%	$255.6M+37.3%	$186.3M+38.8%	$134.2M
SG&A Expenses	$233.4M	$217.7M+18.4%	$183.8M-9.6%	$203.4M-3.8%	$211.5M-14.8%	$248.3M+6.2%	$233.8M+53.7%	$152.1M+11.1%	$136.9M+5.3%	$130.0M+14.6%	$113.5M+34.8%	$84.2M+31.9%	$63.9M
Interest Expense	$334.9M	$317.8M+2.8%	$309.0M+14.0%	$271.2M+292.0%	$69.2M+83.9%	$37.6M-23.2%	$49.0M-13.3%	$56.5M+59.1%	$35.5M+117.3%	$16.3M+71.2%	$9.5M+7.1%	$8.9M-6.3%	$9.5M
Income Tax	$50.2M	$15.9M-48.1%	$30.6M+1.9%	$30.1M-14.1%	$35.0M-33.6%	$52.8M+180.1%	$18.8M-26.8%	$25.7M+0.4%	$25.6M+21.5%	$21.1M-3.0%	$21.7M+632.2%	$3.0M+30.8%	$2.3M
Net Income	$196.5M	$122.6M+5.7%	$116.0M-3.5%	$120.2M-3.5%	$124.6M-34.5%	$190.3M+199.1%	$63.6M-24.1%	$83.8M+4.5%	$80.2M+53.1%	$52.4M+29.1%	$40.6M-15.2%	$47.9M+47.4%	$32.5M
EPS (Basic)	N/A	$2.47-0.4%	$2.48-3.5%	$2.57-2.7%	$2.64-34.2%	$4.01+137.3%	$1.69-37.4%	$2.70+3.8%	$2.60+36.8%	$1.90-10.4%	$2.12-24.0%	$2.79+47.6%	$1.89
EPS (Diluted)	$3.77	$2.45-1.2%	$2.48-3.5%	$2.57-2.7%	$2.64-33.5%	$3.97+137.7%	$1.67-37.0%	$2.65+3.9%	$2.55+37.1%	$1.86-11.4%	$2.10-24.7%	$2.79+47.6%	$1.89
Diluted Shares (Avg)	N/A	50M+6.8%	47M+0.1%	47M-0.9%	47M-1.5%	48M+25.9%	38M+21.3%	31M+0.3%	31M+11.0%	28M+46.1%	19M+12.4%	17M0.0%	17M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$174.8M+127.4%	$172.3M+31.9%	$178.6M+37.0%	$173.9M+94.2%	$76.9M-40.1%	$130.7M+21.6%	$130.4M+12.0%	$89.5M-17.8%
SG&A Expenses	$53.3M+14.4%	$57.3M+18.6%	$63.5M+39.8%	$59.2M+24.6%	$46.6M+0.9%	$48.4M+8.4%	$45.4M-5.6%	$47.5M-12.8%
Interest Expense	$80.5M+13.9%	$79.4M+10.2%	$85.4M+9.5%	$89.7M+12.6%	$70.7M-5.5%	$72.1M-6.0%	$78.0M+5.8%	$79.6M+9.1%
Income Tax	$14.5M+214.6%	$16.6M+75.5%	$12.8M+5.0%	$6.2M+430.4%	-$12.7M-215.9%	$9.5M+50.3%	$12.2M+86.8%	$1.2M-70.5%
Net Income	$58.6M+1916.1%	$57.5M+46.1%	$57.0M+50.4%	$23.4M+128.7%	$2.9M-92.7%	$39.4M+40.8%	$37.9M+29.0%	$10.2M-46.7%
EPS (Basic)	$1.14+1800.0%	$1.11+32.1%	$1.12+38.3%	$0.44+100.0%	$0.06-92.9%	$0.84+40.0%	$0.81+28.6%	$0.22-46.3%
EPS (Diluted)	$1.13+1783.3%	$1.10+31.0%	$1.11+37.0%	$0.43+95.5%	$0.06-92.9%	$0.84+42.4%	$0.81+28.6%	$0.22-46.3%
Diluted Shares (Avg)	52M+11.9%	52M+11.0%	N/A	54M+15.3%	46M-1.4%	47M+0.1%	N/A	47M-0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FBK Balance Sheet

FBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Total Assets	$16.3B+23.9%	$13.2B+4.4%	$12.6B-1.9%	$12.8B+2.0%	$12.6B+12.4%	$11.2B+83.0%	$6.1B+19.2%	$5.1B+8.7%	$4.7B+44.3%	$3.3B+13.0%	$2.9B+19.4%	$2.4B
Cash & Equivalents	$1.2B+10.9%	$1.0B+28.6%	$810.9M-21.0%	$1.0B-42.9%	$1.8B+36.4%	$1.3B+466.4%	$232.7M+85.6%	$125.4M+4.7%	$119.8M-12.2%	$136.3M+39.5%	$97.7M+95.6%	$50.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$350.4M+44.4%	$242.6M0.0%	$242.6M0.0%	$242.6M0.0%	$242.6M0.0%	$242.6M+43.5%	$169.1M+23.2%	$137.2M0.0%	$137.2M+192.7%	$46.9M-0.1%	$46.9M0.0%	$46.9M
Total Liabilities	$14.4B+23.8%	$11.6B+3.9%	$11.1B-3.2%	$11.5B+3.2%	$11.2B+12.6%	$9.9B+84.9%	$5.4B+20.1%	$4.5B+8.1%	$4.1B+40.2%	$2.9B+10.7%	$2.7B+20.3%	$2.2B
Long-Term Debt	$212.8M+20.3%	$176.8M-54.8%	$391.0M-5.9%	$415.7M+142.0%	$171.8M-27.9%	$238.3M-21.8%	$304.7M	N/A	$143.3M+219.2%	$44.9M-20.7%	$56.6M	N/A
Total Equity	$1.9B+24.3%	$1.6B+7.7%	$1.5B+9.8%	$1.3B-7.5%	$1.4B+10.9%	$1.3B+69.4%	$762.3M+13.5%	$671.9M+12.6%	$596.7M+80.6%	$330.5M+39.6%	$236.7M+10.0%	$215.2M
Retained Earnings	$846.6M+11.1%	$762.3M+12.4%	$678.4M+15.7%	$586.5M+20.5%	$486.7M+53.2%	$317.6M+8.2%	$293.5M+32.7%	$221.2M+50.0%	$147.4M+57.2%	$93.8M-23.4%	$122.5M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$16.8B+25.8%	$16.5B+25.4%	$16.3B+23.9%	$16.2B+25.7%	$13.4B+6.5%	$13.1B+4.7%	$13.2B+4.4%	$12.9B+3.4%
Cash & Equivalents	$1.1B-4.6%	$1.2B+45.7%	$1.2B+10.9%	$1.3B+34.5%	$1.2B+45.6%	$794.7M-8.7%	$1.0B+28.6%	$951.8M+12.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$350.4M+44.4%	$350.4M+44.4%	$350.4M+44.4%	$350.4M+44.4%	$242.6M0.0%	$242.6M0.0%	$242.6M0.0%	$242.6M0.0%
Total Liabilities	$14.9B+26.5%	$14.5B+25.7%	$14.4B+23.8%	$14.3B+25.5%	$11.7B+6.4%	$11.5B+4.2%	$11.6B+3.9%	$11.4B+2.2%
Long-Term Debt	N/A	N/A	$212.8M+20.3%	$213.6M	N/A	N/A	$176.8M-54.8%	N/A
Total Equity	$1.9B+20.2%	$2.0B+23.2%	$1.9B+24.3%	$2.0B+26.6%	$1.6B+7.4%	$1.6B+8.3%	$1.6B+7.7%	$1.6B+13.8%
Retained Earnings	$940.8M+19.6%	$893.1M+12.7%	$846.6M+11.1%	$799.9M+9.2%	$786.8M+7.7%	$792.7M+13.5%	$762.3M+12.4%	$732.4M+11.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FBK Cash Flow Statement

FBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Operating Cash Flow	$207.0M	$155.9M+12.3%	$138.8M-34.2%	$211.1M-73.6%	$799.7M+1356.8%	$54.9M+120.3%	-$270.0M-522.5%	$63.9M-69.9%	$212.2M+464.2%	$37.6M+115.3%	-$245.2M-435.7%	-$45.8M+56.7%	-$105.6M
Depreciation & Amortization	N/A	$12.1M+0.7%	$12.0M+7.0%	$11.2M+39.5%	$8.0M-4.7%	$8.4M+11.7%	$7.5M+45.6%	$5.2M+19.4%	$4.3M+0.4%	$4.3M+8.0%	$4.0M+21.7%	$3.3M+5.9%	$3.1M
Stock-Based Compensation	N/A	$17.3M+82.5%	$9.5M-8.6%	$10.4M+5.3%	$9.9M-4.1%	$10.3M+0.7%	$10.2M+44.1%	$7.1M-1.6%	$7.2M+6.6%	$6.8M+44.0%	$4.7M	N/A	N/A
Capital Expenditures	$7.2M	$8.8M+35.2%	$6.5M-67.6%	$20.2M+90.3%	$10.6M+74.2%	$6.1M+2.8%	$5.9M-12.9%	$6.8M-32.8%	$10.1M+123.2%	$4.5M-5.0%	$4.8M-19.2%	$5.9M+9.1%	$5.4M
Free Cash Flow	$199.9M	$147.0M+11.2%	$132.3M-30.7%	$190.8M-75.8%	$789.1M+1517.2%	$48.8M+117.7%	-$275.9M-583.3%	$57.1M-71.7%	$202.1M+511.1%	$33.1M+113.2%	-$250.0M-383.6%	-$51.7M+53.4%	-$111.0M
Investing Cash Flow	-$525.9M	-$32.5M+89.0%	-$294.0M-432.5%	-$55.2M+96.9%	-$1.8B-106.5%	-$849.6M-373.9%	$310.1M+269.6%	-$182.9M+68.8%	-$586.5M-119.5%	-$267.2M-716.0%	-$32.7M	N/A	N/A
Financing Cash Flow	$265.5M	-$10.0M-102.6%	$386.8M+204.0%	-$372.0M-302.5%	$183.7M-85.6%	$1.3B+22.0%	$1.0B+361.7%	$226.3M-40.4%	$379.9M+78.4%	$213.0M-32.7%	$316.5M	N/A	N/A
Dividends Paid	$42.0M	$37.9M+19.2%	$31.8M+13.3%	$28.1M+14.5%	$24.5M+13.5%	$21.6M+51.3%	$14.3M+42.0%	$10.0M+63.7%	$6.1M	$0-100.0%	$69.3M+173.4%	$25.4M+70.7%	$14.8M
Share Buybacks	$217.8M	$155.9M+1127.8%	$12.7M+156.9%	$4.9M-87.6%	$40.0M+426.4%	$7.6M	$0	$0-100.0%	$491.8M+103.7%	$241.4M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$75.5M+5.2%	$31.0M+288.4%	$52.8M+273.8%	$47.7M-17.4%	$71.8M+134.4%	-$16.5M-145.4%	$14.1M-81.0%	$57.8M+92.0%
Depreciation & Amortization	$3.1M+7.4%	$3.1M+13.6%	$3.2M+7.5%	$3.2M-2.2%	$2.9M+0.2%	$2.8M-2.6%	$3.0M-21.2%	$3.3M+21.4%
Stock-Based Compensation	N/A	$5.4M+11.0%	N/A	N/A	N/A	$4.8M+71.3%	N/A	N/A
Capital Expenditures	$1.7M-51.4%	$1.7M+4.9%	$1.6M+4.1%	$2.1M+92.3%	$3.4M+52.0%	$1.7M+2.7%	$1.6M-57.2%	$1.1M-72.0%
Free Cash Flow	$73.8M+8.0%	$29.3M+261.5%	$51.2M+307.5%	$45.6M-19.6%	$68.4M+140.9%	-$18.1M-152.3%	$12.6M-82.2%	$56.7M+117.0%
Investing Cash Flow	-$395.1M-380.5%	-$157.1M+21.3%	-$167.9M-17.1%	$194.2M+188.1%	$140.8M+449.8%	-$199.6M-281.3%	-$143.4M+18.3%	-$220.5M-430.7%
Financing Cash Flow	$274.2M+73.1%	$128.0M+503.9%	-$9.1M-104.1%	-$127.6M-140.7%	$158.4M+363.2%	-$31.7M+63.4%	$220.0M+245.0%	$313.6M+176.7%
Dividends Paid	$10.8M+24.3%	$10.9M+22.6%	$10.2M+28.0%	$10.2M+28.1%	$8.7M+9.5%	$8.9M+11.3%	$7.9M+12.8%	$7.9M+13.1%
Share Buybacks	$84.2M+145.8%	$21.8M+120.7%	$87.9M	$23.9M	$34.3M+169.7%	$9.9M	$0	$0

FBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Net Margin	21.9%-3.6pp	25.5%+0.3pp	25.2%+1.5pp	23.6%-9.4pp	33.1%+21.9pp	11.2%-12.0pp	23.2%-0.8pp	24.0%+6.2pp	17.8%+1.9pp	15.9%-9.8pp	25.7%+1.5pp	24.2%
Return on Equity	6.3%-1.1pp	7.4%-0.9pp	8.3%-1.1pp	9.4%-3.9pp	13.3%+8.3pp	4.9%-6.1pp	11.0%-1.0pp	11.9%+3.2pp	8.8%-3.5pp	12.3%-7.9pp	20.2%+5.1pp	15.1%
Return on Assets	0.8%-0.1pp	0.9%-0.1pp	0.9%0.0pp	1.0%-0.5pp	1.5%+0.9pp	0.6%-0.8pp	1.4%-0.2pp	1.6%+0.4pp	1.1%-0.1pp	1.2%-0.4pp	1.7%+0.3pp	1.3%
Debt-to-Equity	0.110.0x	0.11-0.2x	0.270.0x	0.31+0.2x	0.12-0.1x	0.18-0.2x	0.40-6.2x	6.65+6.4x	0.24+0.1x	0.14-0.1x	0.24-10.0x	10.28
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.060.0x	0.070.0x	0.060.0x	0.080.0x	0.060.0x	0.06
FCF Margin	26.3%-2.8pp	29.0%-10.9pp	40.0%	149.8%	8.5%+57.1pp	-48.6%-64.4pp	15.8%-44.6pp	60.4%+49.2pp	11.2%+109.0pp	-97.8%-70.0pp	-27.8%+55.0pp	-82.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	33.6%+29.8pp	33.4%+3.3pp	31.9%+2.8pp	13.4%+2.0pp	3.8%-27.4pp	30.1%+4.1pp	29.1%+3.8pp	11.4%-6.2pp
Return on Equity	3.0%+2.9pp	2.9%+0.5pp	2.9%+0.5pp	1.2%+0.5pp	0.2%-2.5pp	2.5%+0.6pp	2.4%+0.4pp	0.7%-0.8pp
Return on Assets	0.4%+0.3pp	0.4%+0.1pp	0.4%+0.1pp	0.1%+0.1pp	0.0%-0.3pp	0.3%+0.1pp	0.3%+0.1pp	0.1%-0.1pp
Debt-to-Equity	7.67+0.4x	7.34+0.1x	0.110.0x	0.11-7.2x	7.29-0.1x	7.20-0.3x	0.11-0.2x	7.27-0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	42.3%-46.7pp	17.0%+30.9pp	28.7%+19.0pp	26.2%-37.1pp	89.0%+66.8pp	-13.9%-46.1pp	9.6%-51.1pp	63.3%+39.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
FB Financial Corporation FBK	FY2025	$560.0M	$122.6M	21.9%	$2.5B	42/100
Bank of Hawaii Corp. BOH	FY2025	$716.6M	$205.9M	28.7%	$2.6B	44/100
WesBanco Inc WSBC	FY2025	$981.1M	$223.1M	22.7%	$3.5B	58/100
Bankunited, Inc. BKU	FY2025	$1.1B	$268.4M	24.6%	$3.0B	33/100

Where FB Financial Corporation Ranks

Frequently Asked Questions

What is FB Financial Corporation's annual revenue?

FB Financial Corporation (FBK) reported $560.0M in total revenue for fiscal year 2025. This represents a 22.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is FB Financial Corporation's revenue growing?

FB Financial Corporation (FBK) revenue grew by 22.9% year-over-year, from $455.6M to $560.0M in fiscal year 2025.

Is FB Financial Corporation profitable?

Yes, FB Financial Corporation (FBK) reported a net income of $122.6M in fiscal year 2025, with a net profit margin of 21.9%.

How much debt does FB Financial Corporation have?

As of fiscal year 2025, FB Financial Corporation (FBK) had $1.2B in cash and equivalents against $212.8M in long-term debt.

What is FB Financial Corporation's net profit margin?

FB Financial Corporation (FBK) had a net profit margin of 21.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does FB Financial Corporation pay dividends?

Yes, FB Financial Corporation (FBK) paid $0.76 per share in dividends during fiscal year 2025.

What is FB Financial Corporation's return on equity (ROE)?

FB Financial Corporation (FBK) has a return on equity of 6.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is FB Financial Corporation's free cash flow?

FB Financial Corporation (FBK) generated $147.0M in free cash flow during fiscal year 2025. This represents a 11.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is FB Financial Corporation's operating cash flow?

FB Financial Corporation (FBK) generated $155.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FB Financial Corporation's total assets?

FB Financial Corporation (FBK) had $16.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are FB Financial Corporation's capital expenditures?

FB Financial Corporation (FBK) invested $8.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does FB Financial Corporation buy back shares?

Yes, FB Financial Corporation (FBK) spent $155.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does FB Financial Corporation have outstanding?

FB Financial Corporation (FBK) had 52M shares outstanding as of fiscal year 2025.

What is FB Financial Corporation's debt-to-equity ratio?

FB Financial Corporation (FBK) had a debt-to-equity ratio of 0.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is FB Financial Corporation's return on assets (ROA)?

FB Financial Corporation (FBK) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is FB Financial Corporation's P/E ratio?

FB Financial Corporation (FBK) trades at 12.8x earnings, its market capitalization divided by net income of $196.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is FB Financial Corporation's price-to-sales ratio?

FB Financial Corporation (FBK) trades at 3.6x sales, its market capitalization divided by revenue of $699.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is FB Financial Corporation's Piotroski F-Score?

FB Financial Corporation (FBK) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are FB Financial Corporation's earnings high quality?

FB Financial Corporation (FBK) has an earnings quality ratio of 1.27x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is FB Financial Corporation?

FB Financial Corporation (FBK) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.