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FB Financial Corp (FBK) stock

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NYSE: FBK NYSE Regional Banks Next results ~January 20, 2027

C Fundamentals grade

FB Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$42

Valuation models combined (6)

Base case. Range ~$31–$50. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Overvalued

The price is above our entire value range; our base value is 24% below it.

Price used: $54.97, November 2, 2026

FB Financial Corp valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

Value diary

Our note on each quarter FB Financial files

10-Q filed November 2: FB Financial

Revenue for the twelve months to September 2026 was $700m, up 36.8% on a year earlier, slower than the 63.7% growth a quarter earlier. That growth ranks 21 of 245 among the regional banks companies we cover. The diluted share count is up 6.9% on a year earlier, which dilutes existing holders. Our model value is little changed at $41.82 a share, against a share price of $54.97. The rating stays Sell.

Source: 10-Q filed November 2, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where FB Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $700m, up 63.7% on a year earlier, faster than the 25.7% growth a quarter earlier. That growth ranks 7 of 190 among the regional banks companies we cover. The diluted share count is up 12.9% on a year earlier, which dilutes existing holders. Our cash-flow model value is $41.49 a share, against a share price of $53.71.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 20, 2027 (estimated)

FB Financial Corp's trailing-twelve-month revenue grew 36.8% year on year, with a free-cash-flow margin of 24.6%. Where it stands out: revenue growth of 36.8% ranks 21 of 245 regional banks companies we cover. Where it lags: change in growth rate of -26.9pp ranks 240 of 244 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 59.2% while net income grew 125.4%: a 66pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 36.8% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Strong cash generation. 24.6% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.8bn.

Things to watch

  • Priced above our value. The share price of $54.97 is 24% above our value per share of $42.
  • Growth slowing. The growth rate is 26.9 points lower than a quarter earlier.
  • Share dilution. Diluted shares rose 6.9% in a year.
  • Weak cash conversion. Free cash flow was 74% of net income over the last 12 months.
  • Below peers: stock pay as % of revenue. Stock pay as % of revenue of 2.0% ranks 165 of 206 regional banks companies we cover (median 1.3%).
  • Short interest rising. Shares sold short rose 36% in a month to 8.3% of tradable shares.

Latest results: FY2026 Q3

Filed November 2, 2026
Earnings per share
$1.21 against an average estimate of $1.21: beat by 0.2%
Revenue
$174m, up 0.4% on a year earlier
Share reaction
-4.9% in the first session after the results on October 13, 2026, against -1.1% for the S&P 500
Next report
October 13, 2026; average EPS estimate $1.19

FB Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.6%
  • 1 week+2.4%
  • 1 month+2.9%
  • This year-0.4%
  • 1 year+3.2%
  • 5 years+25.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$700M
Net margin
33.3%
EPS (TTM, diluted)
$4.50

Growth

Revenue growth
+36.8%
Change in growth rate
−26.9 pts
Share count change
+6.9%

Earnings

Last results
October 13, 2026
Next results (est.)
January 20, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Insider trade
  2. Results
  3. Agreement
  4. Announcement
  5. Announcement
  6. Announcement
  7. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

FB Financial Corp valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Sell12-month view
12-month price target
~$42
Price used
$54.53close November 3, 2026
Implied change
▼ 23%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like FB Financial Corp (see the models table below and how they are combined) , with a 8.8% cost of equity. The models span ~$31–~$50; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value FB Financial Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 8.8%: the 10-year Treasury yield (4.9%) plus a beta of 0.86 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$40 ~$27–$59 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$40 ~$34–$49 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$50 ~$28–$71 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$31 ~$41–$61 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$49 ~$46–$59 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$42 ~$35–$52 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$42 ~$31–$50 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare FB Financial Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

60 /100

Moderate moat

How hard FB Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 13 / 20

    Net income has been a median 1.1% of total assets over 10 years.

  • Durability 13 / 20

    Net margin has been a median 24.7%; its worst year was 8.0%.

  • Discipline 14 / 20

    The diluted share count rose 8.1% over five years; stock-based pay has been a median 2.1% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (65 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.67 +17% $704m +13%
Next $5.05 +8% $748m +6%

Next year's EPS estimate has moved −1.6% in 90 days, across 8 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −0.4% on 90 days ago. In the last 30 days, 1 analyst raised FB Financial Corp's forecast and 1 cut it.

Consensus EPS forecast FB Financial Corp, last 90 days
$4.60 $4.80 $5.00 $5.20 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $4.68 Current fiscal year, 60 days ago: $4.68 Current fiscal year, 30 days ago: $4.68 Current fiscal year, 7 days ago: $4.68 Current fiscal year, Now: $4.67 $4.67 Next fiscal year, 90 days ago: $5.14 Next fiscal year, 60 days ago: $5.14 Next fiscal year, 30 days ago: $5.14 Next fiscal year, 7 days ago: $5.16 Next fiscal year, Now: $5.05 $5.05

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $4.68$5.14
60 days ago $4.68$5.14
30 days ago $4.68$5.14
7 days ago $4.68$5.16
Now $4.67$5.05

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $1.21 $1.21 +0.2%
Jun 2026 $1.15 $1.14 −1.2%
Mar 2026 $1.11 $1.12 +1.0%
Dec 2025 $1.12 $1.16 +3.3%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 13, 2026

No numeric guidance in FB Financial Corp's latest earnings release (filed October 13, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

8 analysts, Oct 2026
Buy8100%
Hold00%
Sell00%

Monthly trend

  1. Oct 2026268
  2. Sep 2026268
  3. Aug 2026268
  4. Jul 2026268

Counts of recommendations published by analysts covering FB Financial Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
8.3%
of tradable shares
Days to cover
4.1
at average volume
Short interest, 1 month
+36%
to October 15, 2026
Held by institutions
84%
of shares
Held by insiders
2.2%
of shares
Employees
1,594
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +3.2%

$53.24 on October 31, 2025 to $54.97

ThenNowEffect
Revenue (last 12 months) $427m $700m +63.7%
Net margin 21.1% 28.1% +32.9%
P/E multiple 27.5x 14.8x −46.4%
Share count 47m 53m −11.4%

Biggest factor: p/e multiple.

Last 3 years +74.0%

$31.59 on November 3, 2023 to $54.97

ThenNowEffect
Revenue (last 12 months) $514m $700m +36.0%
Net margin 27.5% 28.1% +2.0%
P/E multiple 10.5x 14.8x +41.0%
Share count 47m 53m −11.1%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
FBK+28%−17%+12%+31%+10%−0%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
FBK67%50%58%58%58%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
FBK−27%−26%−36%−13%−26%−19%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since September 16, 2016: 65% from January 12, 2018 to March 18, 2020. Getting back needed a 188% gain, reached on February 24, 2021, 343 days after the low.

Price behaviour

52-week range
$50.38 – $62.08
From 52-week high
−11.5%
vs 50-day average
+2.0%
vs 200-day average
−0.3%
Volatility (1 year)
24%
Beta vs S&P 500
0.51

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±3.9%
After a week
7 up, 5 down
typical move ±3.2%
After a month
7 up, 4 down
typical move ±6.8%
Results releasedNext dayS&P 500 next day5 days21 days
October 13, 2026 −4.9% −1.1% −1.3% —
July 13, 2026 +3.0% −0.4% +5.0% +8.7%
April 13, 2026 −0.4% +2.2% −0.7% −4.8%
January 21, 2026 +3.8% +1.7% −2.5% +1.3%
October 14, 2025 +1.0% +0.3% −3.6% −1.7%
July 14, 2025 −2.6% −0.2% +0.7% +2.0%
April 14, 2025 −0.5% +0.7% +1.6% +13.2%
January 21, 2025 +0.9% +1.5% +0.7% −2.3%
October 15, 2024 +6.0% −0.3% +1.3% +18.8%
July 15, 2024 +11.1% +0.9% +11.6% +3.6%
April 15, 2024 +4.8% −1.4% +9.2% +12.4%
January 16, 2024 −7.8% −0.9% −0.4% −6.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How FB Financial Corp’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: rated Sell.

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: no liquid put and call pair for the same expiry.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

FB Financial Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) FB Financial Corp
$400M $500M $600M $700M $800M FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $477.8M Revenue (TTM), FY24 Q1: $458.2M Revenue (TTM), FY24 Q2: $461.1M Revenue (TTM), FY24 Q3: $441.6M Revenue (TTM), FY24 Q4: $455.6M Revenue (TTM), FY25 Q1: $478.8M Revenue (TTM), FY25 Q2: $427.4M Revenue (TTM), FY25 Q3: $511.8M Revenue (TTM), FY25 Q4: $560M Revenue (TTM), FY26 Q1: $601.7M Revenue (TTM), FY26 Q2: $699.6M Revenue (TTM), FY26 Q3: $700.2M $700.2M

Source: SEC EDGAR filings. Retrieved November 2, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $477.8M
FY24 Q1 $458.2M
FY24 Q2 $461.1M
FY24 Q3 $441.6M
FY24 Q4 $455.6M
FY25 Q1 $478.8M
FY25 Q2 $427.4M
FY25 Q3 $511.8M
FY25 Q4 $560M
FY26 Q1 $601.7M
FY26 Q2 $699.6M
FY26 Q3 $700.2M
Revenue growth, TTM YoY FB Financial Corp
-20% 0% 20% 40% 60% 80% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: -9.3% Revenue growth, TTM YoY, FY24 Q1: -12.6% Revenue growth, TTM YoY, FY24 Q2: -10.4% Revenue growth, TTM YoY, FY24 Q3: -9.7% Revenue growth, TTM YoY, FY24 Q4: -4.6% Revenue growth, TTM YoY, FY25 Q1: 4.5% Revenue growth, TTM YoY, FY25 Q2: -7.3% Revenue growth, TTM YoY, FY25 Q3: 15.9% Revenue growth, TTM YoY, FY25 Q4: 22.9% Revenue growth, TTM YoY, FY26 Q1: 25.7% Revenue growth, TTM YoY, FY26 Q2: 63.7% Revenue growth, TTM YoY, FY26 Q3: 36.8% 36.8%

Source: SEC EDGAR filings. Retrieved November 2, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 -9.3%
FY24 Q1 -12.6%
FY24 Q2 -10.4%
FY24 Q3 -9.7%
FY24 Q4 -4.6%
FY25 Q1 4.5%
FY25 Q2 -7.3%
FY25 Q3 15.9%
FY25 Q4 22.9%
FY26 Q1 25.7%
FY26 Q2 63.7%
FY26 Q3 36.8%
FCF margin (TTM) FB Financial Corp
10% 20% 30% 40% 50% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 39.9% FCF margin (TTM), FY24 Q1: 29.8% FCF margin (TTM), FY24 Q2: 34.7% FCF margin (TTM), FY24 Q3: 43.1% FCF margin (TTM), FY24 Q4: 29.0% FCF margin (TTM), FY25 Q1: 16.6% FCF margin (TTM), FY25 Q2: 28.0% FCF margin (TTM), FY25 Q3: 21.2% FCF margin (TTM), FY25 Q4: 26.3% FCF margin (TTM), FY26 Q1: 32.3% FCF margin (TTM), FY26 Q2: 28.6% FCF margin (TTM), FY26 Q3: 24.6% 24.6%

Source: SEC EDGAR filings. Retrieved November 2, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 39.9%
FY24 Q1 29.8%
FY24 Q2 34.7%
FY24 Q3 43.1%
FY24 Q4 29.0%
FY25 Q1 16.6%
FY25 Q2 28.0%
FY25 Q3 21.2%
FY25 Q4 26.3%
FY26 Q1 32.3%
FY26 Q2 28.6%
FY26 Q3 24.6%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What FB Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $834M
  2. Fee and other income $43.9M · 7.8%
  3. Interest paid $318M
  4. Net interest income $516M · 92.2%
  5. Revenue $560M
  6. Non-interest expense $378M · 67.5%
  7. Credit-loss provisions $33.2M · 5.9%
  8. Pre-tax profit $149M · 26.5%
  9. Income tax $15.9M · 2.8%
  10. Other $10.1M · 1.8%
  11. Net income $123M · 21.9%

Shares of revenue. Source: FB Financial's 10-K for FY2025, as filed with the SEC. "Other" lines are what the reported lines leave unexplained.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 134 186 256 295 335 361 568 576 527 478 456 560 700
Net income 32 48 41 52 80 84 64 190 125 120 116 123 233
Diluted EPS $1.89 $2.79 $2.10 $1.86 $2.55 $2.65 $1.67 $3.97 $2.64 $2.57 $2.48 $2.45 $4.50
Growth (year on year)
Revenue — +38.8% +37.3% +15.3% +13.5% +8.0% +57.0% +1.4% −8.5% −9.3% −4.6% +22.9% +36.8%
Net income — +47.4% −15.2% +29.1% +53.1% +4.5% −24.1% +199.1% −34.5% −3.5% −3.5% +5.7% +125.4%
Diluted EPS — +47.6% −24.7% −11.4% +37.1% +3.9% −37.0% +137.7% −33.5% −2.7% −3.5% −1.2% +110.9%
Margins
Net margin 24.2% 25.7% 15.9% 17.8% 24.0% 23.2% 11.2% 33.1% 23.6% 25.2% 25.5% 21.9% 33.3%
Free-cash-flow margin −82.7% −27.8% −97.8% 11.2% 60.4% 15.8% −48.6% 8.5% 149.8% 39.9% 29.0% 26.3% 24.6%
Cash flow
Cash from operations −106 −46 −245 38 212 64 −270 55 800 211 139 156 179
Capital spending 5 6 5 5 10 7 6 6 11 20 7 9 6
Free cash flow −111 −52 −250 33 202 57 −276 49 789 191 132 147 173
Stock-based pay — — 5 7 7 7 10 10 10 10 9 17 14
Free cash flow after stock pay — — −255 26 195 50 −286 39 779 180 123 130 159
Balance sheet
Cash 50 98 136 120 125 233 1,318 1,798 1,027 811 1,042 1,156 1,018
Total debt 0 75 195 348 240 610 238 172 416 391 177 213 265
Net debt (negative = net cash) −50 −23 59 228 115 377 −1,080 −1,626 −611 −420 −866 −943 −752
Diluted shares 17m 17m 19m 28m 31m 31m 38m 48m 47m 47m 47m 50m 52m
Returned to shareholders
Dividends 15 25 69 0 6 10 14 22 25 28 32 38 42
Buybacks — — — 241 492 0 0 8 40 5 13 156 223
Total returned 15 25 69 241 498 10 14 29 64 33 44 194 266

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$223M
Dividends (TTM)
$42.3M
Returned to shareholders
154%
of free cash flow
Buybacks, last 3 fiscal years
$174M
Diluted share count
+6.9%
year over year
Total shareholder yield
9.8%
dividends 1.6% + buybacks 8.2% of market value
Dividend payout ratio
18%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated FBK NWBI MBIN BANF FRME TBBK Median
Revenue, last 12 months $700m $704m $714m $723m $724m $672m $255m
Revenue growth, last 12 months 36.8% 17.4% 6.8% 9.4% 8.5% 4.7% 12.5%
Revenue growth, 3-year average 12.7% 8.0% 13.9% 5.3% 2.8% 16.8% 6.0%
Revenue growth, latest quarter 0.4% 20.5% 1.7% 10.7% 19.8% −9.8% 10.7%
Net margin 33.3% 21.7% 37.6% 34.8% 27.3% 34.5% 28.7%
Cash from operations / revenue 25.6% 21.8% −105.4% 40.0% 42.2% 35.7% 34.3%
Free-cash-flow margin 24.6% 19.5% −107.2% 33.9% 37.6% 34.7% 31.4%
Free-cash-flow margin, 3-year average 29.6% 20.2% −68.8% 35.1% 37.4% 38.9% 29.9%
Stock pay / revenue 2.0% 0.7% — 0.5% 1.1% 3.0% 1.2%
Change in share count 6.9% 0.2% 0.1% 0.6% 5.1% −9.5% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 36.8% 12.5% 21 of 245
Change in growth rate Growth -26.9pp +0.0pp 240 of 244
Net margin Profitability 33.3% 28.7% 61 of 245
Stock pay as % of revenue Cash generation 2.0% 1.3% 165 of 206
Change in share count Balance sheet 6.9% 0.4% 183 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue YoY
Mortgage Banking $52.4M ▲ 12.5%
Investment Advisory Management and Administrative Service $16.3M ▲ 15.1%
Deposit Account $15.1M ▲ 14.1%
Debit Card $12.1M ▲ 5.4%

These categories overlap or exclude eliminations, so shares aren't shown.

From FB Financial Corp's 10-K filed February 26, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$2.2B
Institutions reporting
292
Shares held vs prior quarter
▲ 2.2%
Positions opened / closed
39 / 26

Top buyers and sellers, Q2 2026: 152 institutions bought and 107 sold ; the biggest buyer was Citadel Advisors LLC (+465K shares) and the biggest seller Deprince Race & Zollo Inc (−517K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $349M 6.3M 15.5% ▲ 2.9%
T. Rowe Price Investment Management, Inc. $214M 3.9M 9.5% ▲ 0.2%
State Street Corp $136M 2.4M 6.0% ▲ 8.1%
Vanguard Capital Management LLC $119M 2.2M 5.3% ▲ 14.2%
Dimensional Fund Advisors LP $112M 2.0M 5.0% ▲ 1.6%
Westwood Holdings Group Inc $71M 1.3M 3.2% ▲ 1.7%
Geode Capital Management, LLC $60.4M 1.1M 2.7% ▲ 4.9%
Wellington Management Group LLP $59.2M 1.1M 2.6% ▼ 5.3%
Loomis Sayles & Co L P $48.2M 871K 2.1% ▼ 4.5%
Vanguard Portfolio Management LLC $46.3M 836K 2.1% ▲ 5.9%
Goldman Sachs Group Inc $45.3M 819K 2.0% ▲ 22.6%
Bank Of America Corp $39.5M 713K 1.8% ▼ 5.4%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not FB Financial Corp's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $1.5M 2 trades by 1 insider, last 12 months Insider sales History → $995,328 3 trades by 3 insiders · 0% under pre-set plans
Net ▲ $542,460 net buying
Insider Date Trade Shares Price Value
Ingram Orrin H Ii Director October 20, 2026 Buy 13,490 $53.11 $716,454
Ingram Orrin H Ii Director October 20, 2026 Buy 15,591 $52.68 $821,334
Joyce Lynn J Chief Accounting Officer July 15, 2026 Sell 7,000 $59.03 $413,210
Mcpherson James Austin 10% owner January 15, 2026 Sell 8,500 $60.06 $510,510
Clark Agenia Director December 11, 2025 Sell 1,210 $59.18 $71,608

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 3 trades and filings

In the last 12 months, 1 member of Congress disclosed 3 purchases and 0 sales of FB Financial Corp shares.

  • Gilbert Ray Cisneros, Jr.(D-CA 31):Purchase, $1,001 - $15,000, traded May 29, 2026, filed June 8, 2026
  • Gilbert Ray Cisneros, Jr.(D-CA 31):Purchase, $1,001 - $15,000, traded January 15, 2026, filed February 13, 2026
  • Gilbert Ray Cisneros, Jr.(D-CA 31):Purchase, $1,001 - $15,000, traded January 5, 2026, filed February 13, 2026

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 20, 2027 estimated from the company's past filing pattern, not announced

  • October 13, 2026
  • July 13, 2026
  • April 13, 2026
  • January 21, 2026
  • October 14, 2025
  • July 14, 2025

Recent SEC filings

Data status

When each part of this page on FB Financial Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

FB Financial Corp in brief

What does FB Financial Corp do?
FB Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.
What is FB Financial Corp's stock ticker?
FB Financial Corp trades under the ticker FBK on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is FB Financial Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, FB Financial Corp reported revenue of $700M, 36.8% higher than a year earlier, according to its SEC filings.
What is FB Financial Corp's free cash flow?
FB Financial Corp's free-cash-flow margin is 24.6% of revenue over the trailing twelve months.
Who are FB Financial Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., T. Rowe Price Investment Management, Inc. and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is FB Financial Corp buying back stock, and does it pay a dividend?
FB Financial Corp spent $223M on share repurchases over the trailing twelve months, and its diluted share count still rose 6.9% over the year.
What is FB Financial Corp's market cap?
On November 2, 2026, FB Financial Corp's market capitalisation was about $2.8B, with a price-to-earnings ratio of 12.2 and net debt of -$752M. Market figures come from third-party market data and may be delayed.
Does FB Financial Corp pay a dividend?
Yes: FB Financial Corp paid $42.3M in dividends over the trailing twelve months, a dividend yield of 1.56% and a payout ratio of 18.1%.
Who are FB Financial Corp's competitors?
In our Regional Banks peer group, the companies closest to FB Financial Corp are Northwest Bancshares, Inc., Merchants Bancorp, Bancfirst Corp, First Merchants Corp and Bancorp, Inc. The side-by-side comparison below sets their revenue, margins and growth against FB Financial Corp's.
Are insiders buying or selling FB Financial Corp stock?
Over the last 12 months, FB Financial Corp's directors and officers reported 2 open-market purchases and 3 sales on Form 4. The insider trading page charts every trade.
When is FB Financial Corp's next earnings date?
Around January 20, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — FB Financial Corp announces its own schedule.