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Dec 31, 2025
FB Financial Q4 2025 Earnings Report
FB Financial Corporation reported its fourth quarter 2025 financial results, with net income of $57.0 million and diluted EPS of $1.07.
Key Takeaways
FB Financial Corporation concluded 2025 with strong fourth-quarter results, reporting a net income of $57.0 million and diluted EPS of $1.07. The company saw growth in loans held for investment and total deposits, alongside an increase in net interest margin. Strategic capital deployment through share repurchases also contributed to earnings accretion.
Net income for Q4 2025 was $57.0 million, a significant increase from $23.375 million in the prior quarter and $37.886 million in Q4 2024.
Diluted earnings per common share (EPS) for Q4 2025 was $1.07, up from $0.43 in the previous quarter and $0.81 in Q4 2024.
Loans held for investment (HFI) grew to $12.38 billion, and total deposits reached $13.91 billion by the end of Q4 2025.
Net interest margin (NIM) improved to 3.98% in Q4 2025, compared to 3.95% in the prior quarter and 3.50% in Q4 2024.
Revenue by Segment
Forward Guidance
FB Financial Corporation anticipates continued momentum into 2026, building on a strong foundation established through strategic actions in 2025, including a successful share repurchase and balance sheet restructuring. The company aims to capitalize on opportunities for sustainable growth and long-term value creation.
Positive Outlook
- Focus on growing core banking deposits while reducing non-core funds to build a more durable funding base.
- Commitment to optimizing capital utilization and maintaining conservative capital levels.
- Anticipates capitalizing on opportunities to drive long-term value for shareholders, clients, and communities.
- Strong balance sheet and healthy allowance for credit losses provide a stable credit outlook for 2026.
- Continued focus on creating additional operating leverage and maximizing value from expenses and capital investments.
Challenges Ahead
- Current and future economic conditions, including inflation, interest rate fluctuations, and global supply chain issues, could impact performance.
- Changes in government interest rate policies may affect net interest margin and mortgage operations.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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