FBK · Fb Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $12.05M | $11.97M | $11.18M | $8.02M | $8.42M | $7.01M |
| Operating Income | $138.52M | $146.67M | $150.29M | $159.57M | $243.05M | $82.46M |
| Interest Expense | - | - | $271.19M | $69.19M | $37.63M | $48.99M |
| Income Tax | $15.88M | $30.62M | $30.05M | $35.00M | $52.75M | $18.83M |
| Net Income | $122.62M | $116.03M | $120.22M | $124.56M | $190.28M | $63.62M |
| EPS - Basic | $2.47 | $2.48 | $2.57 | $2.64 | $4.01 | $1.69 |
| EPS - Diluted | $2.45 | $2.48 | $2.57 | $2.64 | $3.97 | $1.67 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.16B | $1.04B | $810.93M | $1.03B | $1.80B | $1.32B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $16.30B | $13.16B | $12.60B | $12.85B | $12.60B | $11.21B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $212.76M | $176.79M | $390.96M | $415.68M | $171.78M | $238.32M |
| Total Liabilities | $14.35B | $11.59B | $11.15B | $11.52B | $11.16B | $9.92B |
| Stockholders' Equity | $1.95B | $1.57B | $1.45B | $1.33B | $1.43B | $1.29B |
| Retained Earnings | $846.62M | $762.29M | $678.41M | $586.53M | $486.67M | $317.63M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $155.86M | $138.80M | $211.07M | $789.33M | $54.88M | ($269.29M) |
| Investing Cash Flow | ($32.48M) | ($294.00M) | ($55.22M) | ($1.74B) | ($849.56M) | $309.42M |
| Financing Cash Flow | ($9.97M) | $386.76M | ($371.98M) | $184.10M | $1.27B | $1.05B |
| CapEx | $8.85M | $6.55M | $20.23M | $10.63M | $6.10M | $5.93M |
| Free Cash Flow | $147.01M | $132.25M | $190.84M | $778.70M | $48.78M | ($275.22M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.20 | 1.14 | 1.59 | 6.25 | 0.26 | -4.33 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 11.5% | 20.9% | 20.0% | 21.9% | 21.7% | 22.8% |
| Return on assets | 0.8% | 0.9% | 1.0% | 1.0% | 1.5% | 0.6% |
| Return on equity | 6.3% | 7.4% | 8.3% | 9.4% | 13.3% | 4.9% |
| Return on invested capital | 5.7% | 6.7% | 6.5% | 7.2% | 11.9% | 4.2% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.11 | 0.11 | 0.27 | 0.31 | 0.12 | 0.18 |
| Debt / Assets | 0.01 | 0.01 | 0.03 | 0.03 | 0.01 | 0.02 |
| Debt / EBITDA | 1.41 | 1.11 | 2.42 | 2.48 | 0.68 | 2.66 |
| Interest coverage | - | - | 0.6x | 2.3x | 6.5x | 1.7x |
| Equity multiplier | 8.37 | 8.39 | 8.66 | 9.69 | 8.79 | 8.68 |
| Liabilities / Assets | 0.88 | 0.88 | 0.88 | 0.90 | 0.89 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 22.8x | 20.8x | 15.5x | 13.7x | 11.0x | 20.8x |
| P / B | 1.4x | 1.5x | 1.3x | 1.3x | 1.5x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 12.3x | 9.8x | 9.0x | 6.5x | 1.9x | 2.7x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -5.6% | -2.4% | -5.8% | -34.3% | 194.7% | -24.7% |
| Net income growth (YoY) | 5.7% | -3.5% | -3.5% | -34.5% | 199.1% | -24.1% |
| EPS growth (YoY) | -1.2% | -3.5% | -2.7% | -33.5% | 137.7% | -37.0% |
| EPS CAGR (3y) | -2.5% | -14.5% | 15.5% | -0.1% | 15.9% | -3.5% |
| EPS CAGR (5y) | 8.0% | -1.3% | 0.2% | 7.3% | 13.6% | - |
| FCF growth (YoY) | 11.2% | -30.7% | -75.5% | 1496.5% | - | - |
| FCF CAGR (5y) | - | 18.3% | - | 88.1% | - | - |
| Book value growth (YoY) | 24.3% | 7.7% | 9.8% | -7.5% | 10.9% | 69.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing FB Financial Corp against the 5 most active filers in the same SIC group.
Dividends
$0.80/share trailing 12 months · +11.1% YoY
| Ex-date | Per share |
|---|---|
| May 12, 2026 | $0.2100 |
| Feb 10, 2026 | $0.2100 |
| Nov 10, 2025 | $0.1900 |
| Aug 12, 2025 | $0.1900 |
| May 13, 2025 | $0.1900 |
| Feb 11, 2025 | $0.1900 |
| Nov 5, 2024 | $0.1700 |
| Aug 6, 2024 | $0.1700 |
| May 13, 2024 | $0.1700 |
| Feb 12, 2024 | $0.1700 |
| Nov 6, 2023 | $0.1500 |
| Aug 11, 2023 | $0.1500 |
| May 8, 2023 | $0.1500 |
| Feb 6, 2023 | $0.1500 |
| Nov 8, 2022 | $0.1300 |
| Aug 5, 2022 | $0.1300 |
| May 6, 2022 | $0.1300 |
| Feb 7, 2022 | $0.1300 |
| Nov 5, 2021 | $0.1100 |
| Aug 6, 2021 | $0.1100 |
| May 7, 2021 | $0.1100 |
| Feb 5, 2021 | $0.1100 |
| Nov 6, 2020 | $0.0900 |
| Aug 18, 2020 | $0.0900 |