Oct 24, 2025 12:11 PM Eastern Daylight Time CORRECTING and REPLACING FB Financial Corporation Declares Regular Quarterly Dividend Share CORRECTION...by FB Financial Corporation NASHVILLE, Tenn.--(BUSINESS WIRE)--First paragraph, second sentence of release should read: The dividend is payable on November 25, 2025, to shareholders of record as of November 11, 2025 (instead of The dividend is payable on November 11, 2025, to shareholders of record as of November 25, 2025). The updated release reads: FB Financi ...

Oct 24, 2025 9:35 AM Eastern Daylight Time FB Financial Corporation Declares Regular Quarterly Dividend Share NASHVILLE, Tenn.--(BUSINESS WIRE)--FB Financial Corporation (NYSE: FBK) announced today that its board of directors declared a quarterly cash dividend of $0.19 per share. The dividend is payable on November 11, 2025, to shareholders of record as of November 25, 2025. "We are pleased to announce our latest quarterly dividend, marking another milestone in our commitment to delivering consistent shareh ...

Core Insights - FB Financial Corporation (NYSE:FBK) is enhancing its market position through strategic mergers and organic growth initiatives, competing effectively in the financial services sector [1] Financial Performance - FB Financial's stock price is currently $56.86, with a potential increase of about 10.8% as per the price target set by Stephen Scouten from Piper Sandler at $63 [2][6] - The company's net interest margin has risen to 3.95%, and the tangible return on equity has improved to 14.7%, indicating strong financial health and operational efficiency [3][6] Credit Quality and Dividends - FB Financial maintains strong credit quality, which is essential for sustaining investor confidence and long-term growth [4] - The company's commitment to annual dividend increases enhances its appeal as a long-term dividend growth opportunity, attracting investors seeking stable returns [4][6] Market Position - FBK has a market capitalization of approximately $3.06 billion and a trading volume of 942,331 shares, indicating its significance on the NYSE [5]

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Core Insights - FB Financial (FBK) reported a revenue of $173.88 million for the quarter ended September 2025, marking a 94.2% increase year-over-year, with an EPS of $1.07 compared to $0.86 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $168.86 million by 2.97%, and the EPS also surpassed the consensus estimate of $1.03 by 3.88% [1] Financial Performance Metrics - Net Interest Margin was reported at 4%, exceeding the average estimate of 3.8% from three analysts [4] - Core Efficiency Ratio stood at 53.3%, better than the estimated 54.9% from two analysts [4] - Average Earning Assets were $14.87 billion, slightly above the average estimate of $14.82 billion [4] - Net Charge-offs during the period to Average Loans outstanding were 0.1%, matching the average estimate [4] - Mortgage banking income was $13.48 million, slightly below the average estimate of $13.7 million [4] - Total Noninterest income was reported at $26.64 million, lower than the estimated $28.17 million [4] - Net interest income (tax-equivalent basis) was $148.09 million, surpassing the average estimate of $142.07 million [4] - Other Income was $2.12 million, below the average estimate of $3.17 million [4] - Service charges on deposit accounts were $4.05 million, exceeding the average estimate of $3.43 million [4] - Net Interest Income was $147.24 million, higher than the estimated $139.71 million [4] - ATM and interchange fees were reported at $3.39 million, above the average estimate of $2.91 million [4] - Investment services and trust income was $4.23 million, slightly above the average estimate of $4.04 million [4] Stock Performance - FB Financial shares have returned +7.2% over the past month, outperforming the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Financial Data and Key Metrics Changes - The company reported an EPS of $0.43 and an adjusted EPS of $1.07 for Q3 2025, with a tangible book value per share growing at a compounded annual growth rate of 11.8% since the IPO [7][10] - Pre-tax pre-provision net revenue (PPNR) was $64 million, or $81 million on an adjusted basis, with a net interest margin of 3.95% and an efficiency ratio of 63.2% [9][10] - Adjusted return on average assets was 0.58%, or 1.43% on an adjusted basis, and return on tangible common equity was 5.82%, or 14.7% on an adjusted basis [10] Business Line Data and Key Metrics Changes - Net interest income for the quarter was $147.2 million, a 32.2% increase from the prior quarter and a 38.9% increase from the same quarter last year [19] - Non-interest income on an adjusted basis was $27.3 million, up from $25.8 million in the prior quarter, with increases in mortgage banking and investment services [20] - Total non-interest expense was $109.9 million, including $16.1 million in merger and integration costs, with an adjusted core efficiency ratio improving to 53.3% from 56.9% [21][22] Market Data and Key Metrics Changes - The company remains bullish on markets in Tennessee, Alabama, Georgia, Northern Kentucky, and North Carolina, expecting to capitalize on market disruptions due to industry consolidation [12][14] - The company executed a targeted deposit campaign, resulting in approximately $320 million in net new deposit balances, despite a decrease in non-relationship deposits [27] Company Strategy and Development Direction - The company aims for growth through both organic and inorganic means, focusing on contiguous geography and compatible culture for acquisitions [15][64] - The management emphasizes a client-first model and scalable processes to navigate anticipated market disruptions and drive organic growth [14][16] - The company plans to maintain a strong balance sheet to capitalize on growth opportunities and market disruptions [16][18] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the loan pipeline, indicating it is as strong as it has been in two years, despite temporary disruptions from the merger [43][44] - The company expects to achieve 50% of deal synergies in the second half of 2025 and 100% in 2026, with a focus on maintaining a strong capital position [21][29] - Management anticipates continued margin expansion and a stable outlook on credit, with a non-performing assets ratio of 0.89% [24][30] Other Important Information - The company completed the merger with Southern States Bancshares on July 1, 2025, and successfully transitioned to operating as a single entity by September 2, 2025 [11] - The company repurchased approximately $24 million of its shares during the quarter [27] Q&A Session Summary Question: Impact of Southern States Bancshares on margin and deposit rates - Management indicated that the Southern States balance sheet added approximately 6 to 8 basis points to the core margin, with expectations of maintaining a margin in the mid-3.80% range despite anticipated rate cuts [38][40] Question: Confidence in loan growth and pipeline - Management expressed confidence in the loan pipeline, noting it is robust and that core deposit growth is essential for sustaining loan growth [43][44] Question: Growth expectations and market opportunities - Management acknowledged the potential for growth from market disruptions and emphasized a balanced approach between organic and inorganic growth strategies [64][78] Question: Capital management and future growth - Management discussed maintaining elevated capital levels to take advantage of growth opportunities while also considering share repurchases [118][120] Question: Expectations for mortgage division performance - Management noted potential upside in the mortgage division with possible rate cuts, emphasizing a focus on purchase loans rather than refinances [100][106]

Financial Performance - The company reported net income of $234 million, or an adjusted net income of $576 million, excluding $44 million in pre-tax merger-related provision and integration expenses[7] - Net revenue was reported as $64 million, with adjusted net revenue reaching $81 million[7] - The company's net interest margin (NIM) expanded to 395%[7] - The efficiency ratio was 632%, but adjusted to 533% after accounting for merger-related adjustments[7] - Return on average assets (ROAA) was 058%, increasing to 143% after adjustments[7] - Return on average tangible common equity (ROATCE) was 582%, adjusted to 147%[7] Merger and Acquisition - The merger with Southern States Bancshares Inc (SSBK) was completed, with systems converted in 3Q, adding $162 billion in assets, $123 billion in loans, and $138 billion in deposits[7] - Deal synergies are ahead of schedule, with 100% expected beginning January 1, 2026[7] Asset Quality and Capital - The allowance for credit losses (ACL) coverage ratio was 150%[7] - Annualized net charge-offs were 005%[7] - Tangible Common Equity to Tangible Assets was 101%[7] - The Common Equity Tier 1 (CET 1) Ratio was 117% and the Total Risk-Based Capital was 135% (preliminary)[7]