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Jun 30, 2024

FB Financial Q2 2024 Earnings Report

Reported a net income of $40.0 million, with diluted EPS of $0.85.

Key Takeaways

FB Financial Corporation reported a net income of $40.0 million, or $0.85 per diluted common share, for the second quarter of 2024. The company's net interest margin increased to 3.57%, and the adjusted pre-tax, pre-provision return on average assets improved to 1.70%.

Net income was $40.0 million, or $0.85 per diluted common share.

Adjusted net income was $39.4 million, or $0.84 per diluted common share.

Net interest margin increased to 3.57%.

Loans held for investment ended at $9.31 billion.

Total Revenue
$128M
Previous year: $126M
+2.0%
EPS
$0.84
Previous year: $0.77
+9.1%
Net Interest Margin
3.57%
Previous year: 3.4%
+5.0%
Efficiency Ratio
58.6%
Previous year: 64.8%
-9.6%
Cash and Equivalents
$801M
Previous year: $1.16B
-31.0%
Free Cash Flow
$28.4M
Previous year: $5.11M
+455.6%
Total Assets
$12.5B
Previous year: $12.9B
-2.7%

FB Financial

FB Financial

Forward Guidance

The Company is positioned to continue creating shareholder value through improved results in key metrics, capital building, and reserve management.

Positive Outlook

  • Improved results in key metrics including net income.
  • Improved net interest margin.
  • Improved return on assets.
  • Built capital.
  • Managed reserves.