FB Financial
Regional bank offering commercial, consumer, mortgage, treasury and trust services across the Southeast.
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Profile
Operates FirstBank across Tennessee and nearby Southeastern markets, earning mainly from interest on commercial and consumer loans funded by deposits. Mortgage origination and sales, treasury management, trust and investment services add fee income, while results remain sensitive to funding costs and borrower credit.
Operates FirstBank, a community-focused regional bank offering commercial and consumer loans, deposits, treasury management, cards, trust and investment services. Its Mortgage segment originates residential loans for sale into the secondary market and earns origination, sale and servicing income. The branch and relationship-banking footprint centers on Tennessee and extends across Alabama, Georgia, Kentucky and North Carolina.
Pairs locally empowered bankers with a broad product set and scalable platform, growing through new markets and bank acquisitions. The completed Southern States combination deepened coverage in Alabama, Georgia and Atlanta. Earnings depend chiefly on the spread between interest-earning assets and deposit or borrowing costs, borrower credit performance, mortgage-market execution, bank capital rules and federal and state supervision.
Company facts
Categories
Key statistics
Year to date +3.1% · Average volume (30d) 312.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 1, 2026 | Raymond James | Reiterate | Strong Buy | $63 | ||
| Jun 24, 2026 | Benchmark | Initiate | Buy | |||
| Jun 24, 2026 | Benchmark Co. | Target | $64 | |||
| Apr 15, 2026 | Cantor Fitzgerald | Reiterate | Overweight | $66 | $65 | |
| Apr 7, 2026 | Raymond James | Upgrade | Market Perform | Strong Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 13, 2026Q2 FY26 | $1.14 | $1.14 | 0.0% | $177.5M | $174.8M | −1.5% | +3.23% |
| Apr 13, 2026Q1 FY26 | $1.13 | $1.12 | −0.9% | $175.3M | $172.3M | −1.7% | −2.30% |
| Jan 21, 2026Q4 FY25 | $1.14 | $1.16 | +1.8% | $176.0M | $178.6M | +1.5% | −1.41% |
| Oct 14, 2025Q3 FY25 | $0.96 | $1.07 | +11.5% | $167.8M | $173.9M | +3.6% | −2.97% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $202.7M | $147.5M | $263.5M | $264.0M | $251.7M | $255.2M | |
| Gross profit | $128.4M | $71.5M | $139.5M | $177.4M | $169.3M | $164.6M | |
| Operating income | $48.8M | −$9.7M | $29.6M | $69.8M | $74.2M | $73.2M | |
| Net income | $39.4M | $2.9M | $23.4M | $57.0M | $57.5M | $58.6M | |
| Diluted EPS | $0.84 | $0.06 | $0.43 | $1.07 | $1.10 | $1.14 | |
| Gross margin | 63.3% | 48.5% | 52.9% | 67.2% | 67.3% | 64.5% | |
| Operating margin | 24.1% | -6.6% | 11.2% | 26.4% | 29.5% | 28.7% |
Fiscal years (4-quarter sums)FY21 $613.3M · FY22 $596.1M · FY23 $749.0M · FY24 $766.2M · FY25 $877.8M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $147.0M · Total debt $372.5M · Total assets $16.80B · Shareholders' equity $1.94B
Dividends
Raised for 6 straight years — most recently to $0.21 from $0.19 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 11, 2026 | Aug 11 | Aug 25 | $0.21 | |
| May 12, 2026 | May 12 | May 26 | $0.21 | |
| Feb 10, 2026 | Feb 10 | Feb 24 | $0.21 | raised from $0.19 |
| Nov 10, 2025 | Nov 11 | Nov 25 | $0.19 | |
| Aug 12, 2025 | Aug 12 | Aug 26 | $0.19 | |
| May 13, 2025 | May 13 | May 27 | $0.19 | |
| Feb 11, 2025 | Feb 11 | Feb 25 | $0.19 | raised from $0.17 |
| Nov 5, 2024 | Nov 5 | Nov 19 | $0.17 |
Ownership
Shares outstanding 51.52M · Float 48.84M · 94.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| McPherson James Austin · 10 percent owner | 10.94M | 21.24% | Form 4 | Jan 20, 2026 |
| Estate of James W. Ayers · 10 percent owner | 10.93M | 21.22% | Form 4 | May 20, 2025 |
| Ayers James W. · 10 percent owner | 10.93M | 21.22% | Form 4 | Mar 5, 2025 |
| BlackRock, Inc. | 6.30M | 12.22% | 13F | Aug 7, 2026 |
| T. Rowe Price Investment Management, Inc. | 3.87M | 7.52% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 15, 2026 | Lynn J. Joyce | officer: Chief Accounting Officer | −7,000 | $59.03 |
| Jan 15, 2026 | James Austin McPherson | 10 percent owner | −8,500 | $60.06 |
| Dec 11, 2025 | Agenia Clark | director | −1,210 | $59.18 |
| Oct 17, 2025 | Agenia Clark | director | −1,345 | $52.18 |
Peers
- Pinnacle Financial Partners
Nashville and Atlanta scale in relationship banking
- First Horizon
Tennessee-rooted regional bank across commercial, consumer, and wealth
- Regions Financial
Alabama-based super-regional across branch, commercial, and wealth
- Truist Financial
Top-10 bank competing across Southeast commercial and retail markets
- SouthState
Southeastern regional bank in commercial, mortgage, wealth, and deposits
- United Community Banks
Community-focused Southeast bank overlapping in six states
- ServisFirst Bancshares
Alabama commercial-bank peer close to FBK's balance-sheet scale
- Bank OZK
Regional bank with CRE and business banking overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FB Financial | $57.85 | +0.03% | $2.98B | 15.5 | 11.8 | 2.9 | +18.5% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| ServisFirst Bancshares | $43.20 | −0.07% | $4.72B | 14.7 | 12.6 | 4.6 | +27.6% |
| Bank OZK | $49.40 | −0.02% | $5.39B | 8.2 | 8.5 | 1.9 | +1.8% |
| Median | 11.9 | 11.0 | 2.7 | +8.2% |