Saturday 17 October 2026 Export FBK’s income statement to Excel — free account

FB Financial Corporation

FB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $877.8 million, up 14.8% from fiscal 2024. In the quarter to September 2026, revenue fell 1.10%, EPS grew 180.4% and free cash flow grew 8.46%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.

51.54 0.06 +0.12%

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Market cap: $2.5B
P/E: 11.4×
Fwd P/E: 11.4×
Dividend yield: 1.59%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 1.00

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	1	1	—	—	—	—	—	1	—	—	—

Insider Ownership 2.38%

Capital & Financial Ratios $m

Market Cap 2,490.00

Revenue 1,031.62

Net Income 196.54

Free Cash Flow 203.05

Net Debt (1,017.69)

Current Ratio 0.95

Debt/Equity 0.00

P/E ratio 11.41

Fwd P/E 11.40

P/S ratio 2.49

P/B ratio 1.33

Past 5Y EPS Growth 7.97%

This Y EPS Growth 16.92%

Next Y EPS Growth 8.33%

Next Y revenue growth (19.76%)

Next 5Y EPS Growth 11.54%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 16.00%

10-year low 10-year high

P/S against its own 10 years 27.21%

10-year low 10-year high

P/B against its own 10 years 31.23%

10-year low 10-year high

Dividends

Payout Ratio 0.18

Annual Dividend Rate 0.82

Annual Dividend Yield 1.59%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.84	0.21 0.21 0.21
2025	0.76	0.19 0.19 0.19 0.19
2024	0.68	0.17 0.17 0.17 0.17
2023	0.60	0.15 0.15 0.15 0.15
2022	0.52	0.13 0.13 0.13 0.13
2021	0.44	0.11 0.11 0.11 0.11
2020	0.36	0.09 0.09 0.09 0.09
2019	0.32	0.08 0.08 0.08 0.08
2018	0.20	0.06 0.06 0.08
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	811	1,042	1,156	1,018
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	10,190	10,669	13,613	14,319

	2023	2024	2025	Q'26
Payables	10,548	11,210	13,910	14,666
ST’ Debt	—	—	—	—
Other	—	—	—	—
	11,082	11,530	14,291	15,104

Compound Annual Growth %

	10y	5y	3y
Sales	16.23%	7.32%	13.77%
Cash Flow	0.00%	0.00%	(42.02%)
Earnings	9.87%	14.02%	(0.52%)
Book Value	23.47%	8.57%	13.70%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	252	255	261	—	—
’25	203	148	264	264	878
’24	184	203	169	208	765
’23	183	194	182	190	749
’22	137	143	151	165	596
’21	162	146	156	150	613
’20	112	147	178	179	616

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	31	75	—	—	—
’25	(16)	72	48	53	156
’24	36	31	58	14	139
’23	98	8	30	74	211
’22	288	240	215	56	800
’21	(172)	97	34	96	55
’20	(102)	(46)	6	(128)	(270)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	30	75	—	—	—
’25	(16)	69	46	53	151
’24	35	29	57	14	135
’23	89	6	27	71	193
’22	288	239	213	51	790
’21	(174)	98	30	95	49
’20	(103)	(49)	8	(131)	(276)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.10	1.13	1.20	—	—
’25	0.84	0.06	0.43	1.07	2.45
’24	0.59	0.85	0.22	0.81	2.47
’23	0.78	0.75	0.41	0.63	2.57
’22	0.74	0.41	0.68	0.81	2.64
’21	1.10	0.90	0.94	1.02	3.97
’20	0.02	0.70	(0.14)	0.95	1.67

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	19.81	23.71	32.66	30.33	14.38	33.66	34.02	24.34	33.35	38.83	Analyst estimates 2026–2028 Powerpack
	High	26.45	44.81	45.43	40.33	40.08	49.62	47.40	41.00	58.88	60.52
People
People	Employees	1,108	1,386	1,356	1,399	1,852	1,962	1,757	1,591	1,490	1,594
	Revenue/emp, $m	0.24	0.22	0.27	0.30	0.33	0.31	0.34	0.47	0.51	0.55
Income, $m
Income, $m	Revenue	265	311	370	418	616	613	596	749	765	878
	Gross margin, %	96.40	94.75	90.41	86.48	92.05	93.86	88.39	63.79	59.58	63.79
	EBT	62	73	106	110	82	243	160	150	147	139
	EBT margin, %	23.50	23.61	28.59	26.21	13.38	39.63	26.77	20.07	19.18	15.78
	Net income	41	52	80	84	64	190	125	120	116	123
	Depreciation	17	9	10	13	20	23	(1)	21	17	15
Per share, $
Per share, $	Revenue	13.84	11.26	12.07	13.54	16.39	12.93	12.65	16.01	16.36	17.65
	Earnings	2.12	1.90	2.55	2.65	1.69	3.97	2.64	2.57	2.47	2.47
	Cash flow	(12.79)	1.36	6.92	2.07	(7.18)	1.16	16.97	4.51	2.97	3.13
	Capex	(0.25)	(0.16)	(0.29)	(0.18)	(0.16)	(0.13)	(0.21)	(0.39)	(0.09)	(0.09)
	Free cash flow	(13.04)	1.20	6.63	1.89	(7.33)	1.03	16.77	4.12	2.88	3.05
	Book value	17.24	21.60	21.90	24.69	34.33	30.21	28.13	31.10	33.54	39.16
	Shares, m	19	28	31	31	38	47	47	47	47	50
Valuation, ×
Valuation, ×	P/E	11.80	23.24	13.73	14.94	22.70	11.07	13.82	15.35	20.85	23.25
	P/S	1.88	3.82	2.90	2.92	2.12	3.39	2.88	2.46	3.15	3.16
	P/B	1.51	1.99	1.60	1.60	1.01	1.45	1.30	1.27	1.54	1.42
	EV/Sales	1.54	3.89	2.94	2.70	0.21	0.69	1.39	1.57	1.97	2.00
	EV/FCF	(1.63)	36.60	5.35	19.34	(0.46)	8.61	1.05	6.09	11.16	11.61
Cash, $m
Cash, $m	Operating cash flow	(245)	38	212	64	(270)	55	800	211	139	156
	Capex	(5)	(5)	(9)	(6)	(6)	(6)	(10)	(18)	(4)	(4)
	Free cash flow	(250)	33	203	58	(276)	49	790	193	135	151
Balance, $m
Balance, $m	Working capital	(423)	(329)	(408)	(436)	(688)	(1,051)	(1,076)	(892)	(861)	(678)
	Total debt	45	34	33	211	476	170	189	—	—	—
	Net debt	(91)	(120)	(125)	(233)	(1,318)	(1,798)	(1,027)	(811)	(1,042)	(1,156)
	Shareholders’ equity	330	597	672	762	1,291	1,433	1,326	1,455	1,568	1,948
Returns, %
Returns, %	ROA	1.31	1.31	1.62	1.48	0.73	1.60	0.98	0.94	0.90	0.83
	ROIC	18.37	12.12	12.29	13.56	0.00	0.00	36.02	14.59	17.46	12.80
	ROE	14.31	11.30	12.58	11.63	6.20	13.97	9.03	8.65	7.68	6.98

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 14 Oct 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
NBTB NBT Bancorp Inc.	$2.6B	12.4×	11.1×	+4.89% (above 0%: growing)	+126.67% (above 0%: growing)	+37.10% (above 0%: growing)	79.28%	0.00%	Compare
TRMK Trustmark Corporation	$2.6B	11.4×	11.3×	+0.97% (above 0%: growing)	+18.48% (above 0%: growing)	+48.33% (above 0%: growing)	74.36%	0.00%	Compare
CUBI Customers Bancorp, Inc	$2.5B	8.8×	8.7×	+5.90% (above 0%: growing)	+19.77% (above 0%: growing)	−34.56% (below 0%: shrinking)	60.05%	0.00%	Compare
FBNC First Bancorp	$2.5B	18.7×	12.6×	+8.82% (above 0%: growing)	+31.18% (above 0%: growing)	+49.87% (above 0%: growing)	77.46%	0.00%	Compare
FBK FB Financial Corporation	$2.5B	11.4×	11.4×	−1.10% (below 0%: shrinking)	+180.40% (above 0%: growing)	+8.46% (above 0%: growing)	66.94%	0.00%
FRME First Merchants Corporation	$2.5B	12.7×	10.9×	+14.16% (above 0%: growing)	−28.57% (below 0%: shrinking)	+64.02% (above 0%: growing)	65.81%	0.00%	Compare
BANR Banner Corporation	$2.5B	11.1×	11.1×	+1.33% (above 0%: growing)	+9.92% (above 0%: growing)	−29.43% (below 0%: shrinking)	77.84%	0.00%	Compare
BUSE First Busey Corporation	$2.4B	12.2×	11.2×	−8.06% (below 0%: shrinking)	+30.19% (above 0%: growing)	−15.02% (below 0%: shrinking)	73.20%	0.00%	Compare
SYBT Stock Yards Bancorp, Inc.	$2.4B	15.2×	14.5×	+11.27% (above 0%: growing)	+13.79% (above 0%: growing)	+1.75% (above 0%: growing)	73.89%	0.00%	Compare
Median of peers	$2.5B	12.3×	11.1×	+5.40%	+19.12%	+19.43%	74.13%	0.00%

All 323 Banks Regional stocks →

FB Financial Corporation (FBK) key facts

Strength: FB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $877.8 million, up 14.8% from fiscal 2024.
FB Financial Corporation (FBK) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, FBK traded at $51.54, a market capitalization of $2.5 billion.
FB Financial Corporation pays an annual dividend of $0.82 per share, a yield of 1.59%, with a payout ratio of 18.2%.
Return on equity was 6.98% and debt-to-equity 0.00.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.