Sep 2026 (Q3 FY26) — Oct 13, 2026
FB Financial Q3 FY26 — Strong Loan and Deposit Growth, Stable Credit, and Maintained Margin Outlook
Read the full callFB Financial (FBK) earnings
- Jun 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
FB Financial earnings: last reported Tue, 13 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 58.6 | +1916.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$51.58 +0.08% · +$0.04
Performance −1.0% 1Y
1Y: $52.11 on 17 Oct 2025 → $51.58. High $62.08 (13 Aug 2026), low $50.38 (14 Oct 2026).
- Previous close
- $51.54
- 52-week range
- $50.38 – $62.08
- One year
- −3.37%
Overview
- Symbol
- FBK
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Jun 2026 (Q2 FY26) — Jul 14, 2026
FB Financial Q2 FY26 – Strong Balance Sheet Growth and Stable Margin
Read the full callEvery analysed call
FB Financial earnings calls (FBK)
Financials
What the filings say
Net profit, year on year: +1916% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 11 | 50 | 49 | -10 | 30 | 70 | 74 | 73 |
| Tax rate | 10.3% | 24.4% | 19.4% | 130.0% | 21.0% | 18.4% | 22.4% | 19.8% |
| Net profit | 10 | 38 | 39 | 3 | 23 | 57 | 58 | 59 |
| EPS ($ per share) | 0.22 | — | 0.84 | 0.06 | 0.44 | — | 1.11 | 1.14 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 31 | 31 | 47 | 48 | 47 | 47 | 47 | 52 |
| Reserves | 221 | 294 | 318 | 487 | 587 | 678 | 762 | 847 |
| Total liabilities | 4,465 | 5,363 | 9,916 | 11,165 | 11,522 | 11,150 | 11,590 | 14,352 |
| Fixed assets | 87 | 90 | 145 | 144 | 146 | 156 | 149 | 182 |
| Total assets | 5,137 | 6,125 | 11,207 | 12,598 | 12,848 | 12,604 | 13,157 | 16,300 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 212 | 64 | -270 | 55 | 800 | 211 | 139 | 156 |
| Cash from investing | -587 | -183 | 310 | -850 | -1,754 | -55 | -294 | -32 |
| Cash from financing | 380 | 226 | 1,045 | 1,275 | 184 | -372 | 387 | -10 |
| Net cash flow | 6 | 107 | 1,085 | 480 | -771 | -216 | 232 | 113 |
| Capital expenditure | -10 | -7 | -6 | -6 | -11 | -20 | -7 | -9 |
| Free cash flow | 202 | 57 | -276 | 49 | 789 | 191 | 132 | 147 |
FBK operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Efficiency ratio Banking | 49.5%As a result, our efficiency ratio improved to 52.3%, while our banking segment had a sub-50 efficiency ratio of 49.5%.Source: earnings call transcript | 50.8%On an adjusted basis, the efficiency ratio was 54.3% and the Banking segment efficiency ratio was 50.8%.Source: earnings call transcript | +1.3 pt |
| Common equity tier 1 ratio (CET1) | 11%As a result, our capital ratios remain well above the regulatory requirements with a common equity Tier 1 ratio of 11%, a Tier 1 leverage ratio of 10.1% and a total risk-based capital of 12.9%.Source: earnings call transcript | 11%Our capital ratios remain well above regulatory requirements with our common equity Tier 1 ratio of 11%, a Tier 1 leverage ratio of 10% and a total risk-based capital ratio of 13.6% at quarter end.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
66 filings between Oct 31, 2025 and Oct 1, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$995.3K
3 sales by 3 insiders
Compensation
not trading decisions- 43
- Award — granted as compensation
- 17
- Tax withheld — shares kept back by the company to cover tax
Also filed: 3 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| McPherson James Austin | — | $510.5K | Jan 15, 2026 |
| JOYCE LYNN J | — | $413.2K | Jul 15, 2026 |
| Clark Agenia | — | $71.6K | Dec 11, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 1, 2026 | Mettee Michael M. CFO & COO | Tax withheld | 586 | $30.5K |
| Oct 1, 2026 | HICKMAN MARK Chief Human Resources Officer | Tax withheld | 1,140 | $59.4K |
| Oct 1, 2026 | TANSIL SCOTT J. Chief Bus. & Operations Off. | Tax withheld | 145 | $7.6K |
| Jul 31, 2026 | CARPENTER WILLIAM F III Director | Award | 270 | $16.3K |
| Jul 31, 2026 | Pinson Charles Wright Director | Award | 270 | $16.3K |
| Jul 31, 2026 | INGRAM ORRIN H II Director | Award | 270 | $16.3K |
| Jul 31, 2026 | Clark Agenia Director | Award | 135 | $8.2K |
| Jul 15, 2026 | JOYCE LYNN J Chief Accounting Officer | Sale | 7,000 | $413.2K |
| May 22, 2026 | Clark Agenia Director | Award | 1,329 | $0 |
| May 22, 2026 | Ayers J. Jonathan Director | Award | 1,329 | $0 |
| May 22, 2026 | JOHNSON R MILTON Director | Award | 1,329 | $0 |
| May 22, 2026 | CROSS JAMES W IV Director | Award | 1,329 | $0 |
| May 22, 2026 | CARPENTER WILLIAM F III Director | Award | 1,329 | $0 |
| May 22, 2026 | Sullivan Melody J. Director | Award | 1,329 | $0 |
| May 22, 2026 | Smith J. Henry IV Director | Award | 1,329 | $0 |
| May 22, 2026 | Jubran Raja J. Director | Award | 1,329 | $0 |
| May 22, 2026 | Exum James L. Director | Award | 1,329 | $0 |
| May 22, 2026 | Pinson Charles Wright Director | Award | 1,329 | $0 |
| May 22, 2026 | INGRAM ORRIN H II Director | Award | 1,329 | $0 |
| May 22, 2026 | Reynolds Emily J. Director | Award | 1,329 | $0 |
| Apr 30, 2026 | Clark Agenia Director | Award | 139 | $7.5K |
| Apr 30, 2026 | INGRAM ORRIN H II Director | Award | 278 | $15.0K |
| Apr 30, 2026 | Pinson Charles Wright Director | Award | 556 | $30.1K |
| Apr 30, 2026 | CARPENTER WILLIAM F III Director | Award | 1,758 | $95.1K |
| Apr 30, 2026 | Reynolds Emily J. Director | Award | 278 | $15.0K |
| Apr 13, 2026 | Holmes Christopher T President and CEO | Gift | 38,619 | $0 |
| Apr 13, 2026 | Holmes Christopher T President and CEO | Gift | 38,619 | $0 |
| Apr 1, 2026 | TANSIL SCOTT J. Chief Bus. & Operations Off. | Tax withheld | 485 | $25.5K |
| Apr 1, 2026 | SIMS BETH W General Counsel and Corp. Sec. | Tax withheld | 695 | $36.6K |
| Apr 1, 2026 | HICKMAN MARK Chief Human Resources Officer | Tax withheld | 401 | $21.1K |
| Apr 1, 2026 | Mettee Michael M. CFO & COO | Tax withheld | 1,938 | $102.0K |
| Apr 1, 2026 | Holmes Christopher T President and CEO | Tax withheld | 6,518 | $343.0K |
| Apr 1, 2026 | Hamilton Aimee T Chief Risk Officer | Tax withheld | 761 | $40.1K |
| Feb 25, 2026 | TANSIL SCOTT J. Chief Bus. & Operations Off. | Award | 2,063 | $0 |
| Feb 25, 2026 | HICKMAN MARK Chief Human Resources Officer | Award | 1,891 | $0 |
| Feb 25, 2026 | SIMS BETH W General Counsel and Corp. Sec. | Award | 1,891 | $0 |
| Feb 25, 2026 | SIMS BETH W General Counsel and Corp. Sec. | Award | 5,982 | $0 |
| Feb 25, 2026 | Hamilton Aimee T Chief Risk Officer | Award | 1,891 | $0 |
| Feb 25, 2026 | Hamilton Aimee T Chief Risk Officer | Tax withheld | 1,323 | $77.0K |
| Feb 25, 2026 | Hamilton Aimee T Chief Risk Officer | Award | 4,965 | $0 |
| Feb 25, 2026 | Edmondson Travis K Chief Banking Officer | Award | 2,063 | $0 |
| Feb 25, 2026 | Edmondson Travis K Chief Banking Officer | Tax withheld | 1,917 | $111.5K |
| Feb 25, 2026 | Edmondson Travis K Chief Banking Officer | Award | 7,870 | $0 |
| Feb 25, 2026 | Mettee Michael M. CFO & COO | Award | 4,126 | $0 |
| Feb 25, 2026 | Mettee Michael M. CFO & COO | Tax withheld | 2,309 | $134.3K |
| Feb 25, 2026 | SIMS BETH W General Counsel and Corp. Sec. | Tax withheld | 1,468 | $85.4K |
| Feb 25, 2026 | Mettee Michael M. CFO & COO | Award | 9,081 | $0 |
| Feb 25, 2026 | Peery Robert Wade Chief Innovations Officer | Award | 1 | $0 |
| Feb 25, 2026 | Peery Robert Wade Chief Innovations Officer | Tax withheld | 1 | $58 |
| Feb 25, 2026 | Peery Robert Wade Chief Innovations Officer | Award | 1 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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