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Jun 30, 2022

FB Financial Q2 2022 Earnings Report

Reported a decrease in net income and an increase in net interest income.

Key Takeaways

FB Financial Corporation reported a net income of $19.3 million, or $0.41 per diluted common share. The results were impacted by mortgage restructuring charges and a loss from changes in fair value on commercial loans held for sale.

Net income was $19.3 million, or $0.41 per diluted common share.

Adjusted net income was $30.1 million, or $0.64 per diluted common share.

Loans held for investment grew by $619.4 million.

Noninterest-bearing deposits grew by $107.8 million.

Total Revenue
$138M
Previous year: $135M
+2.3%
EPS
$0.64
Previous year: $0.88
-27.3%
Net Interest Margin
3.52%
Efficiency Ratio
71.6%
Return on Avg Assets
0.62%
Gross Profit
$102M
Cash and Equivalents
$873M
Previous year: $1.72B
-49.2%
Free Cash Flow
$238M
Previous year: $98M
+142.5%
Total Assets
$12.2B
Previous year: $11.9B
+2.3%

FB Financial

FB Financial

Forward Guidance

The second quarter results point to the strength in our core banking business with robust loan growth, good noninterest-bearing deposit growth and an expanding net interest margin.

Positive Outlook

  • Well positioned for rising interest rates
  • Capital position remains solid
  • Outlook remains positive
  • Robust loan growth
  • Expanding net interest margin