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Jun 30, 2023

FB Financial Q2 2023 Earnings Report

Reported net income of $35.3 million, or $0.75 per diluted common share.

Key Takeaways

FB Financial Corporation reported a net income of $35.3 million, or $0.75 per diluted common share, for Q2 2023. Deposits totaled $10.87 billion, while loans held for investment were $9.33 billion. The company focused on boosting balance sheet strength and reducing exposure to public funds and commercial real estate.

Net income was $35.3 million, or $0.75 per diluted common share.

Adjusted net income was $36.0 million, or $0.77 per diluted common share.

Deposits totaled $10.87 billion.

Loans held for investment were $9.33 billion.

Total Revenue
$126M
Previous year: $138M
-9.1%
EPS
$0.77
Previous year: $0.64
+20.3%
Net Interest Margin
3.4%
Previous year: 3.52%
-3.4%
Efficiency Ratio
64.8%
Previous year: 71.6%
-9.5%
Cash and Equivalents
$1.16B
Previous year: $873M
+32.9%
Free Cash Flow
$5.11M
Previous year: $238M
-97.8%
Total Assets
$12.9B
Previous year: $12.2B
+5.7%

FB Financial

FB Financial

Forward Guidance

Expense management is a focus of the Company as we face continued revenue headwinds from the net interest margin and mortgage environments. Our core expense run rate was less in the second quarter than the first, and we anticipate additional reductions in the second half of 2023.