Fb Financia Financials
This page shows Fb Financia (FBK) financial statements, including the 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).
FB Financial is expanding its balance sheet faster than it improves returns, making scale less valuable on a per-share basis.
From FY2023 to FY2025, assets climbed from$12.6B to$16.3B while return on assets slipped from0.95% to0.75% ; that combination says the company added assets that generate income, but each dollar of balance-sheet growth produced less profit than before. The same pattern shows up per share: net income recovered to$123M in FY2025, yet EPS eased to$2.45 because shares outstanding expanded to 51.8M.
The funding mix looks more conservative than the liability-heavy balance sheet first suggests: debt-to-equity stayed near 0.1x, and long-term debt ended FY2025 at
This is also a low-capital-intensity model: capital spending was just
Financial Health Signals
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 Financia'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.
Fb Financia 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.
For every $1 of reported earnings, Fb Financia 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
Earnings & Revenue
Fb Financia generated $833.9M in revenue in fiscal year 2025. This represents an increase of 14.9% from the prior year.
Fb Financia reported $122.6M in net income in fiscal year 2025. This represents an increase of 5.7% from the prior year.
Fb Financia earned $2.45 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 1.2% from the prior year.
Cash & Balance Sheet
Fb Financia generated $147.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 11.2% from the prior year.
Fb Financia held $1.2B in cash against $212.8M in long-term debt as of fiscal year 2025.
Fb Financia paid $0.76 per share in dividends in fiscal year 2025. This represents an increase of 11.8% from the prior year.
Fb Financia had 52M shares outstanding in fiscal year 2025. This represents an increase of 10.9% from the prior year.
Margins & Returns
Fb Financia's net profit margin was 14.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.
Fb Financia's ROE was 6.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.1 percentage points from the prior year.
Capital Allocation
Fb Financia spent $155.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1127.8% from the prior year.
Fb Financia invested $8.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 35.2% from the prior year.
FBK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $225.3M-4.2% | $235.2M-0.7% | $236.9M+30.1% | $182.1M+1.3% | $179.7M-3.6% | $186.4M+0.4% | $185.6M+4.6% | $177.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $57.3M-9.7% | $63.5M+7.3% | $59.2M+27.0% | $46.6M-3.6% | $48.4M+6.4% | $45.4M-4.4% | $47.5M+2.8% | $46.2M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $79.4M-7.1% | $85.4M-4.7% | $89.7M+26.9% | $70.7M-1.9% | $72.1M-7.6% | $78.0M-2.0% | $79.6M+6.4% | $74.8M |
| Income Tax | $16.6M+29.5% | $12.8M+106.1% | $6.2M+149.2% | -$12.7M-233.6% | $9.5M-22.5% | $12.2M+941.4% | $1.2M-89.2% | $10.9M |
| Net Income | $57.5M+1.0% | $57.0M+143.8% | $23.4M+703.5% | $2.9M-92.6% | $39.4M+3.9% | $37.9M+270.7% | $10.2M-74.4% | $40.0M |
| EPS (Diluted) | $1.10 | N/A | $0.43+616.7% | $0.06-92.9% | $0.84 | N/A | $0.22-74.1% | $0.85 |
FBK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $16.5B+1.0% | $16.3B+0.4% | $16.2B+21.6% | $13.4B+1.7% | $13.1B-0.2% | $13.2B+1.8% | $12.9B+3.1% | $12.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.2B+0.2% | $1.2B-9.7% | $1.3B+9.8% | $1.2B+46.7% | $794.7M-23.8% | $1.0B+9.5% | $951.8M+18.8% | $800.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $350.4M0.0% | $350.4M0.0% | $350.4M+44.4% | $242.6M0.0% | $242.6M0.0% | $242.6M0.0% | $242.6M0.0% | $242.6M |
| Total Liabilities | $14.5B+1.0% | $14.4B+0.7% | $14.3B+21.4% | $11.7B+1.8% | $11.5B-0.5% | $11.6B+2.0% | $11.4B+2.9% | $11.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | $212.8M-0.4% | $213.6M | N/A | N/A | $176.8M | N/A | N/A |
| Total Equity | $2.0B+1.3% | $1.9B-1.5% | $2.0B+22.8% | $1.6B+0.6% | $1.6B+2.2% | $1.6B+0.3% | $1.6B+4.1% | $1.5B |
| Retained Earnings | $893.1M+5.5% | $846.6M+5.8% | $799.9M+1.7% | $786.8M-0.7% | $792.7M+4.0% | $762.3M+4.1% | $732.4M+0.3% | $730.2M |
FBK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $31.0M-41.3% | $52.8M+10.7% | $47.7M-33.5% | $71.8M+536.2% | -$16.5M-216.5% | $14.1M-75.5% | $57.8M+88.7% | $30.6M |
| Capital Expenditures | $1.7M+6.7% | $1.6M-23.9% | $2.1M-37.0% | $3.4M+104.8% | $1.7M+6.0% | $1.6M+40.6% | $1.1M-50.2% | $2.2M |
| Free Cash Flow | $29.3M-42.8% | $51.2M+12.3% | $45.6M-33.3% | $68.4M+477.3% | -$18.1M-244.3% | $12.6M-77.8% | $56.7M+99.6% | $28.4M |
| Investing Cash Flow | -$157.1M+6.4% | -$167.9M-186.4% | $194.2M+37.9% | $140.8M+170.5% | -$199.6M-39.2% | -$143.4M+35.0% | -$220.5M-447.6% | -$40.3M |
| Financing Cash Flow | $128.0M+1509.7% | -$9.1M+92.9% | -$127.6M-180.6% | $158.4M+600.0% | -$31.7M-114.4% | $220.0M-29.8% | $313.6M+620.9% | -$60.2M |
| Dividends Paid | $10.9M+7.0% | $10.2M0.0% | $10.2M+16.8% | $8.7M-1.8% | $8.9M+11.7% | $7.9M0.0% | $7.9M-0.3% | $8.0M |
| Share Buybacks | $21.8M-75.2% | $87.9M+268.3% | $23.9M-30.3% | $34.3M+246.3% | $9.9M | $0 | $0-100.0% | $12.7M |
FBK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 25.5%+1.3pp | 24.2%+14.4pp | 9.9%+8.3pp | 1.6%-20.3pp | 21.9%+1.6pp | 20.3%+14.8pp | 5.5%-17.0pp | 22.5% |
| Return on Equity | 2.9%0.0pp | 2.9%+1.7pp | 1.2%+1.0pp | 0.2%-2.3pp | 2.5%+0.0pp | 2.4%+1.8pp | 0.7%-2.0pp | 2.7% |
| Return on Assets | 0.4%0.0pp | 0.4%+0.2pp | 0.1%+0.1pp | 0.0%-0.3pp | 0.3%+0.0pp | 0.3%+0.2pp | 0.1%-0.2pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.34+7.2 | 0.110.0 | 0.11-7.2 | 7.29+0.1 | 7.20+7.1 | 0.11-7.2 | 7.27-0.1 | 7.35 |
| FCF Margin | 13.0%-8.8pp | 21.8%+2.5pp | 19.2%-18.3pp | 37.5%+47.6pp | -10.1%-16.8pp | 6.7%-23.8pp | 30.5%+14.5pp | 16.0% |
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Frequently Asked Questions
What is Fb Financia's annual revenue?
Fb Financia (FBK) reported $833.9M in total revenue for fiscal year 2025. This represents a 14.9% 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 Financia's revenue growing?
Fb Financia (FBK) revenue grew by 14.9% year-over-year, from $725.5M to $833.9M in fiscal year 2025.
Is Fb Financia profitable?
Yes, Fb Financia (FBK) reported a net income of $122.6M in fiscal year 2025, with a net profit margin of 14.7%.
How much debt does Fb Financia have?
As of fiscal year 2025, Fb Financia (FBK) had $1.2B in cash and equivalents against $212.8M in long-term debt.
What is Fb Financia's net profit margin?
Fb Financia (FBK) had a net profit margin of 14.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Fb Financia pay dividends?
Yes, Fb Financia (FBK) paid $0.76 per share in dividends during fiscal year 2025.
What is Fb Financia's return on equity (ROE)?
Fb Financia (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 Financia's free cash flow?
Fb Financia (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 Financia's operating cash flow?
Fb Financia (FBK) generated $155.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Fb Financia's total assets?
Fb Financia (FBK) had $16.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Fb Financia's capital expenditures?
Fb Financia (FBK) invested $8.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Fb Financia's debt-to-equity ratio?
Fb Financia (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 Financia's return on assets (ROA)?
Fb Financia (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 Financia's Piotroski F-Score?
Fb Financia (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 Financia's earnings high quality?
Fb Financia (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 Financia?
Fb Financia (FBK) scores 41 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.