Sign In
Buy FBK
FB Financial Earnings Calls
| Release date | Apr 13, 2026 |
| EPS estimate | $1.13 |
| EPS actual | $1.12 |
| EPS Surprise | -0.88% |
| Revenue estimate | 175.302M |
| Revenue actual | 172.34M |
| Revenue Surprise | -1.69% |
| Release date | Jan 21, 2026 |
| EPS estimate | $1.14 |
| EPS actual | $1.16 |
| EPS Surprise | 1.75% |
| Revenue estimate | 175.978M |
| Revenue actual | 178.599M |
| Revenue Surprise | 1.49% |
| Release date | Oct 14, 2025 |
| EPS estimate | $0.96 |
| EPS actual | $1.07 |
| EPS Surprise | 11.46% |
| Revenue estimate | 167.753M |
| Revenue actual | 173.875M |
| Revenue Surprise | 3.65% |
| Release date | Jul 14, 2025 |
| EPS estimate | $0.89 |
| EPS actual | $0.88 |
| EPS Surprise | -1.12% |
| Revenue estimate | 136.32M |
| Revenue actual | 147.532M |
| Revenue Surprise | 8.22% |
Last 4 Quarters for FB Financial
Below you can see how FBK performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 14, 2025 |
| Price on release | $49.21 |
| EPS estimate | $0.89 |
| EPS actual | $0.88 |
| EPS surprise | -1.12% |
| Date | Price |
|---|---|
| Jul 08, 2025 | $47.05 |
| Jul 09, 2025 | $47.16 |
| Jul 10, 2025 | $47.39 |
| Jul 11, 2025 | $48.22 |
| Jul 14, 2025 | $49.21 |
| Jul 15, 2025 | $46.96 |
| Jul 16, 2025 | $48.14 |
| Jul 17, 2025 | $49.26 |
| Jul 18, 2025 | $48.79 |
| 4 days before | 4.59% |
| 4 days after | -0.85% |
| On release day | -4.57% |
| Change in period | 3.70% |
| Release date | Oct 14, 2025 |
| Price on release | $58.60 |
| EPS estimate | $0.96 |
| EPS actual | $1.07 |
| EPS surprise | 11.46% |
| Date | Price |
|---|---|
| Oct 08, 2025 | $59.21 |
| Oct 09, 2025 | $58.13 |
| Oct 10, 2025 | $55.89 |
| Oct 13, 2025 | $56.31 |
| Oct 14, 2025 | $58.60 |
| Oct 15, 2025 | $56.86 |
| Oct 16, 2025 | $52.05 |
| Oct 17, 2025 | $52.11 |
| Oct 20, 2025 | $53.38 |
| 4 days before | -1.03% |
| 4 days after | -8.91% |
| On release day | -2.97% |
| Change in period | -9.85% |
| Release date | Jan 21, 2026 |
| Price on release | $61.62 |
| EPS estimate | $1.14 |
| EPS actual | $1.16 |
| EPS surprise | 1.75% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $59.14 |
| Jan 15, 2026 | $60.62 |
| Jan 16, 2026 | $59.64 |
| Jan 20, 2026 | $58.52 |
| Jan 21, 2026 | $61.62 |
| Jan 22, 2026 | $60.75 |
| Jan 23, 2026 | $56.90 |
| Jan 26, 2026 | $58.00 |
| Jan 27, 2026 | $57.17 |
| 4 days before | 4.19% |
| 4 days after | -7.22% |
| On release day | -1.41% |
| Change in period | -3.33% |
| Release date | Apr 13, 2026 |
| Price on release | $55.99 |
| EPS estimate | $1.13 |
| EPS actual | $1.12 |
| EPS surprise | -0.88% |
| Date | Price |
|---|---|
| Apr 07, 2026 | $54.30 |
| Apr 08, 2026 | $55.90 |
| Apr 09, 2026 | $56.44 |
| Apr 10, 2026 | $54.90 |
| Apr 13, 2026 | $55.99 |
| Apr 14, 2026 | $54.70 |
| Apr 15, 2026 | $54.21 |
| Apr 16, 2026 | $53.25 |
| Apr 17, 2026 | $54.00 |
| 4 days before | 3.11% |
| 4 days after | -3.55% |
| On release day | -2.30% |
| Change in period | -0.552% |
FB Financial Earnings Call Transcript Summary of Q1 2026
Key points for investors:
- Strong Q1 results: GAAP EPS $1.10 (adjusted $1.12); net income $57.5M ($58.3M adjusted); pretax pre-provision net revenue (PPNR) $77.2M ($78.2M adjusted). Tangible book value per share (ex-AOCI) has grown at a CAGR of 11.6% since the 2016 IPO.
- Customer franchise strength: FirstBank was #1 in J.D. Power's Retail Banking Award (South Central) for overall customer satisfaction, including top sub-scores for client trust and quality of people — management cites this as a sustainable competitive advantage.
- Growth outlook: Management sees momentum building (strongest month was March). They maintain full-year guidance for mid- to high-single-digit loan and deposit growth, but expect growth to be backloaded (weighted to H2 2026) as pipeline converts.
- Margin guidance and pressure: Q1 NIM was 3.94%. Management now expects full-year NIM (ex-accretion) of 3.7%–3.8% (a modest downgrade from prior guidance) and sees near-term margin pressure from competitive deposit pricing and balance mix; margin assumptions include an expected rate cut per management.
- Expenses and efficiency: Q1 noninterest expense $95.2M (≈11% decline QoQ; ~7% adjusted). Company efficiency ratio was 55.2% (54.3% adjusted); banking segment adjusted efficiency ratio ~50.9%. Banking-segment noninterest expense guide: $325M–$335M for 2026; total company efficiency expected to remain in the low-50% range.
- Credit and reserves: Provision was ~$3M; allowance coverage 1.49% of loans held for investment; annualized net charge-offs ~11 bps (driven by a few isolated borrower situations). Management reviewed geopolitical/energy risks and sees limited direct exposure.
- Capital & liquidity: Strong capital position — CET1 11.5%, Tier 1 leverage 10.4%, total risk-based capital 13.4%. Management has been opportunistic with share repurchases and remains positioned to deploy capital thoughtfully.
- Competitive landscape & talent: Management is seeing elevated competitive pressure on both loan and deposit pricing from both larger and smaller banks, and active talent movement across markets. They are actively recruiting selectively to add relationship producers aligned with culture.
- Strategic stance: FirstBank remains focused on a community-bank, customer-centric model while selectively building specialized verticals (e.g., SBA, manufactured housing) and keeping M&A as an option but selective to avoid undue distraction.
