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FB Financial FBK Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$178.6MBeat by $2.6M
EPS$1.16Beat by $0.02
Revenue estimate$176.0M
EPS estimate$1.14

Next report

Oct 13, 2026 (In 1 week)
Revenue estimate$181.6M
EPS estimate$1.21

Financials

Q4 2025

Income statement

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Revenue$178.6M+37.0%
Net income$57.0M+50.4%
EPS (diluted)$1.11+37.0%

Balance sheet

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Cash & equivalents$1.2B+10.9%
Total debt$274.4M+15.3%
Total equity$1.9B+24.3%
Total assets$16.3B+23.9%

Cash flow

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Operating cash flow$52.8M+274%
CapEx$1.6M+4.1%
Free cash flow$51.2M+307%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.98B+24.1%
Enterprise value$2.1B+31.4%
P/E24.3×+3.6×
P/S5.3×+0.1×

Profitability

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Net margin21.9%-3.6pp
FCF margin26.3%-2.8pp

Returns & leverage

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Return on equity7%-0.7pp
Debt / equity0.1×0.0×

Segments

By product

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Mortgage banking income$13.5M+27.6%
Investment services and trust income$4.5M+16.1%
Service charges on deposit accounts$4.2M+17.9%
ATM and interchange fees$3.1M+9.7%

FAQ

When did FB Financial report Q4 2025 earnings?
FB Financial (FBK) reported Q4 2025 earnings on January 21, 2026 after market close.
What were FB Financial's Q4 2025 revenue and EPS?
FB Financial reported revenue of $178.6M and eps of $1.16 for Q4 2025.
Did FB Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $176.0M by $2.6M. EPS beat the consensus estimate of $1.14 by $0.02.
Where can I find FB Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001649749-26-000003) and the 10-K periodic report (0001649749-26-000012) directly on SEC EDGAR. The filing index links above go to sec.gov.