FB Financial Corp

FBK

Market cap $2.95B

FB Financial Corporation (FBK) Q2 2026 Earnings Call Transcript

FirstBank, a regional bank with $16.5B in assets, recently expanded via a $3B merger with Southern States Bancshares. FBK's loan portfolio is diversified, with 36% C&I, 23% commercial real estate, and limited office exposure concentrated in Nashville with >84% occupancy. Book value per share has grown at an 11.4% CAGR since FBK's 2016 IPO, reflecting consistent financial performance and integration benefits.

FB Financial Corporation delivered a solid Q2, with sequential improvements in net income and EPS, despite a slight miss on consensus estimates. Loan and deposit growth remained robust, driven by commercial and residential real estate, while net interest margin and efficiency ratios improved. Asset quality was strong, with net charge-offs declining, though nonperforming loans and assets ticked up modestly—an area to monitor closely.

FB Financial NYSE: FBK reported higher second-quarter 2026 earnings and balance sheet growth, with management pointing to broad-based loan demand across its Southeast footprint while acknowledging continued pressure from competition for deposits and lending relationships.

While the top- and bottom-line numbers for FB Financial (FBK) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

FB Financial (FBK) came out with quarterly earnings of $1.14 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.88 per share a year ago.

NASHVILLE, Tenn.--(BUSINESS WIRE)--FB Financial Corporation (the “Company”) (NYSE: FBK), parent company of FirstBank, reported net income of $58.6 million, or $1.13 per diluted common share, for the second quarter of 2026, compared to $1.10 in the previous quarter and $0.06 in the second quarter of last year. Adjusted net income* was $58.9 million, or $1.14 per diluted common share, compared to $1.12 in the previous quarter and $0.88 in the second quarter of last year. The Company reported adju.

With U.S. stock futures trading lower this morning on Monday, some of the stocks that may grab investor focus today are as follows:

Looking beyond Wall Street's top-and-bottom-line estimate forecasts for FB Financial (FBK), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended June 2026.

FB Financial (FBK) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.