FB Financial Corp
FBK NYSE· State Commercial Banks
Last close · Oct 26, 2026
$53.67
KIRA · Stoqly’s AI analyst, in plain words
- FB Financial Corp had $560M of revenue in fiscal 2025, up 22.9% on the year before. Over five years, revenue changed −0.3% a year on average.
- FB Financial Corp made $123M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 1.7% a year.
- FB Financial Corp returned $194M to shareholders in fiscal 2025, 132% of free cash flow. The diluted share count rose 6.8%.
- It earned 7.0% on shareholders’ money. Running costs took 67.5% of revenue (the efficiency ratio; lower is better).
Market cap
$2.8B
P/E
14.2x
Revenue
$560M
Net income
$123M
Return on equity
7.0%
Efficiency ratio
67.5%
FB Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+22.9%
Yes. Sales grew 22.9% last year.
Does it make a profit?
21.9%
Yes. It keeps 21.9% of every sale as profit.
How lean are its costs?
67.5%
Costly. Running costs take 67.5% of revenue.
How much does it earn on its capital?
7.0%
Low. It earns 7.0% a year on shareholders’ money.
How is the share priced?
14.2x
One share costs 14.2 times its yearly profit per share.
What FB Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- FB Financial Corp
- CIK
- 0001649749
FB Financial Corp · FBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $576M | $527M | $478M | $456M | $560M |
| Revenue growth | 1.4% | −8.5% | −9.3% | −4.6% | 22.9% |
| Net interest income | $347M | $412M | $407M | $417M | $516M |
| Net income | $190M | $125M | $120M | $116M | $123M |
| Net margin | 33.1% | 23.6% | 25.2% | 25.5% | 21.9% |
| Diluted EPS | $3.97 | $2.64 | $2.57 | $2.48 | $2.45 |
| Cash | |||||
| Cash from operations | $54.9M | $800M | $211M | $139M | $156M |
| Capital expenditure | $6.1M | $10.6M | $20.2M | $6.5M | $8.8M |
| Free cash flow | $48.8M | $789M | $191M | $132M | $147M |
| FCF margin | 8.5% | 149.8% | 39.9% | 29.0% | 26.3% |
| Dividends paid | $21.6M | $24.5M | $28.1M | $31.8M | $37.9M |
| Share buybacks | $7.6M | $40.0M | $4.9M | $12.7M | $156M |
| Share count change | 25.9% | −1.5% | −0.9% | 0.1% | 6.8% |
| Debt and strength | |||||
| Cash and short-term investments | $1.8B | $1.0B | $811M | $1.0B | $1.2B |
| Debt incl. finance leases | $173M | $417M | $392M | $178M | $214M |
| Loans, net | $7.5B | $9.2B | $9.3B | $9.5B | $12.2B |
| Deposits | $10.8B | $10.9B | $10.5B | $11.2B | $13.9B |
| Shareholders' equity | $1.4B | $1.3B | $1.5B | $1.6B | $1.9B |
| Returns and quality | |||||
| Return on equity | 14.0% | 9.0% | 8.6% | 7.7% | 7.0% |
| Return on tangible equity | 16.2% | 11.6% | 10.0% | 8.8% | 7.8% |
| Efficiency ratio | 64.9% | 66.1% | 68.0% | 65.2% | 67.5% |
| Piotroski F-score | 4 | 4 | 5 | 4 | 4 |
Insiders bought, 12 months
$1.5M
1 insider
Insiders sold, 12 months
$1.0M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
FB Financial Corp · FBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $53.67 a share, the company is worth $2.8B: 14.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001649749). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.