Core Viewpoint - FB Financial Corporation will release its 2025 fourth quarter and year-end results on January 21, 2026, after market close [1] Group 1 - The company will host a conference call on January 22, 2026, at 8:00 a.m. Central Time to discuss the results [1]

Investors might want to bet on FB Financial (FBK) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Individu ...

Core Insights - Mendon Capital Advisors Corp acquired 144,000 shares of FB Financial Corporation, valued at approximately $7.62 million, during the third quarter of 2025 [1][2][10] - This acquisition represents about 2.92% of Mendon Capital's total reportable U.S. equity assets, which amount to approximately $260.71 million as of September 30, 2025 [3] Company Overview - FB Financial Corporation is a regional bank holding company based in Nashville, Tennessee, operating through FirstBank with a network of full-service branches and mortgage offices [6] - The company offers a diversified banking and mortgage platform, focusing on both commercial and retail client needs, and emphasizes local market expertise [6][9] - As of December 5, 2025, FB Financial's market capitalization is $3.05 billion, with a trailing twelve months (TTM) revenue of $815.45 million and net income of $103.55 million [4][6] Performance Metrics - FB Financial's stock price was $56.87 as of December 8, 2025, reflecting a 2.2% increase over the past year, although it underperformed the S&P 500 by 12.1 percentage points [3] - Over the last five years, FB Financial's stock has increased by 81%, trailing the S&P 500's total return of 100% but outperforming the State Street SPDR S&P Regional Banking ETF (KRE), which advanced by only 46% during the same period [12][13] - The compound annual growth rate (CAGR) for FB Financial over the last five years is 12.6%, compared to KRE's CAGR of 7.9% [13]

Financial Performance - Net interest income for the three months ended September 30, 2025, was $147,240 thousand, a 38.8% increase from $106,017 thousand in the same period of 2024[14]. - Net income applicable to FB Financial Corporation for the three months ended September 30, 2025, was $23,375 thousand, compared to $10,220 thousand in the same period of 2024, marking an increase of 129.3%[14]. - Earnings per common share for the three months ended September 30, 2025, were $0.44, up from $0.22 in the same period of 2024, representing a 100% increase[14]. - Total revenues for the nine months ended September 30, 2025, reached $426,430, up from $410,887 in 2024, indicating a growth of 3.8%[71]. - For the nine months ended September 30, 2025, the consolidated net interest income was $366,296,000, compared to $308,122,000 for the same period in 2024, reflecting an increase of approximately 18.9%[198]. Asset Growth - Total assets increased to $16,236,459 thousand as of September 30, 2025, up from $13,157,482 thousand at December 31, 2024, representing a growth of 23.5%[13]. - The company’s total equity increased to $1,978,136 thousand as of September 30, 2025, up from $1,567,631 thousand at December 31, 2024, representing a growth of 26.2%[13]. - Goodwill increased to $350,353 thousand as of September 30, 2025, from $242,561 thousand at December 31, 2024, reflecting growth due to acquisitions[13]. - Total deposits rose to $13,812,955 thousand as of September 30, 2025, up from $11,210,434 thousand at December 31, 2024, reflecting a growth of 23.3%[13]. Credit Loss Provisions - Provision for credit losses on loans held for investment was $29,957 thousand for the three months ended September 30, 2025, compared to $1,856 thousand in the same period of 2024, indicating a significant increase in credit loss provisions[14]. - The provision for credit losses on loans held for investment (HFI) increased significantly to $30,761,000 in 2025 from $7,648,000 in 2024[20]. - The provisions for credit losses for the three months ended September 30, 2025, were $34,417,000, compared to $1,914,000 for the same period in 2024, indicating a significant increase in credit loss provisions[196]. Noninterest Income and Expenses - Noninterest income for the three months ended September 30, 2025, was $26,635 thousand, compared to a loss of $16,497 thousand in the same period of 2024, showing a recovery in noninterest income[14]. - The company reported a total noninterest expense of $109,856 thousand for the three months ended September 30, 2025, compared to $76,212 thousand in the same period of 2024, indicating an increase of 44.2%[14]. Stock and Equity Transactions - Dividends declared for the quarter were $0.57 per share, totaling $28,038,000, compared to $0.51 per share in the previous quarter[18]. - The company repurchased common stock worth $68,013,000 during the period, indicating a strategic move to enhance shareholder value[18]. - The total common stock outstanding increased to $53,457,000 as of September 30, 2025, from $46,849,000 at December 31, 2023[18]. Merger and Acquisitions - The merger with Southern States Bancshares, Inc. was completed on July 1, 2025, adding 13 branches and expanding the Company's footprint in Alabama and Georgia[60]. - The total assets acquired in the merger amounted to $2,830,374, with total loans of $2,267,305 and total deposits assumed of $2,468,530[60]. - Preliminary goodwill recorded in connection with the merger is $107,792, which is not deductible for income tax purposes[61]. Loan Portfolio and Quality - Gross loans outstanding increased to $12,297,600 as of September 30, 2025, up from $9,602,384 as of December 31, 2024, reflecting a growth of approximately 28%[85]. - The allowance for credit losses on loans held for investment (HFI) was $184,993 as of September 30, 2025, compared to $151,942 as of December 31, 2024, indicating an increase of about 21.8%[85]. - The total for consumer type loans was evaluated based on delinquency and accrual status, with nonperforming loans including those past due ninety or more days[95]. Cash Flow and Liquidity - Net cash provided by operating activities for the nine months ended September 30, 2025, was $103,049,000, down from $124,670,000 in 2024, reflecting a decrease of approximately 17%[20]. - The company reported a net cash increase of $237,545,000 in cash and cash equivalents, compared to an increase of $140,818,000 in the same period of 2024[21]. - The company’s cash and cash equivalents increased to $1,280,033,000 as of September 30, 2025, from $1,042,488,000 as of December 31, 2024, representing an increase of approximately 22.8%[191]. Regulatory Compliance and Capital Ratios - As of September 30, 2025, the company met all capital adequacy requirements under U.S. Basel III Capital Rules, indicating strong regulatory compliance[205]. - FB Financial Corporation's Tier 1 capital to risk-weighted assets ratio stood at 11.7% as of September 30, 2025, with Tier 1 capital of $1,662,376, compared to FirstBank's 12.0% ratio and Tier 1 capital of $1,687,888[207]. Employee Compensation and Benefits - The employer matching contributions for the 401(k) plan totaled $1,478 for the three months ended September 30, 2025, and $3,691 for the nine months ended September 30, 2025, compared to $760 and $2,526 for the same periods in 2024[208]. - Accrued expenses related to nonqualified supplemental retirement plans amounted to $12,722, significantly higher than $2,328 as of December 31, 2024[209].

Core Points - FB Financial Corporation declared a quarterly cash dividend of $0.19 per share, payable on November 25, 2025, to shareholders of record as of November 11, 2025 [1][2] - The CEO emphasized the company's commitment to delivering consistent shareholder returns and highlighted the strength of its operating performance [2] - FB Financial Corporation operates through its wholly owned banking subsidiary, FirstBank, and has approximately $16.2 billion in total assets with 91 full-service branches [3] Financial Performance - For the third quarter of 2025, FB Financial reported net income of $23.4 million, or $0.43 per diluted common share, compared to $0.06 in the previous quarter and $0.22 in the same quarter last year [5] - Adjusted net income for the same period was $57.6 million, or $1.07 per diluted common share, compared to $0.88 in the previous quarter and $0.86 in the third quarter of the previous year [5] Executive Changes - FB Financial announced strategic executive appointments, with Michael Mettee becoming Chief Operating Officer and Chief Financial Officer, and Scott Tansil being named Chief Business and Operations Officer [7]

Core Points - FB Financial Corporation declared a quarterly cash dividend of $0.19 per share, payable on November 11, 2025, to shareholders of record as of November 25, 2025 [1][2] - The CEO emphasized the company's commitment to delivering consistent shareholder returns and highlighted the strength of its operating performance [2] - FB Financial Corporation operates through its wholly owned banking subsidiary, FirstBank, with approximately $16.2 billion in total assets and 91 full-service branches [3] Financial Performance - For the third quarter of 2025, FB Financial reported net income of $23.4 million, or $0.43 per diluted common share, compared to $0.06 in the previous quarter and $0.22 in the same quarter last year [6] - Adjusted net income for the same period was $57.6 million, or $1.07 per diluted common share, compared to $0.88 in the previous quarter and $0.86 in the third quarter of the previous year [6] Executive Changes - FB Financial announced strategic executive appointments, with Michael Mettee becoming Chief Operating Officer and Chief Financial Officer, and Scott Tansil being named Chief Business and Operations Officer [8]

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]

Group 1 - HCI Group Inc and FB Financial Corp are identified as potentially overbought stocks in the financial sector, with RSI values above 70 [2][3][4] - HCI Group reported better-than-expected second-quarter earnings, highlighting solid profitability and growth in book value per share, with a stock price increase of approximately 11% over the past month [7] - FB Financial also posted positive quarterly results, achieving aggressive growth and profitability goals, with a stock price increase of around 12% over the past month [7] Group 2 - HCI Group's stock closed at $198.09, with an RSI value of 70.5 and a momentum score of 83.85 [7] - FB Financial's stock closed at $58.60, with an RSI value of 70.3 [7]

Group 1 - The core focus of Quad 7 Capital is to provide investment opportunities through their BAD BEAT Investing platform, emphasizing both long and short trades [1] - The team consists of 7 analysts with diverse expertise in business, policy, economics, mathematics, game theory, and sciences, aiming to educate investors on trading proficiency [1] - Since May 2020, the company has maintained an average position of 95% long and 5% short, showcasing a strategic approach to market conditions [1] Group 2 - BAD BEAT Investing offers various benefits, including weekly well-researched trade ideas, access to multiple chat rooms, and daily summaries of key analyst upgrades and downgrades [2] - The platform also provides education on basic options trading and extensive trading tools to enhance investor knowledge and execution [2]

Core Insights - BAD BEAT Investing, led by Quad 7 Capital, is a team of 7 analysts with nearly 12 years of experience in identifying investment opportunities [1] - The firm is recognized for its February 2020 recommendation to sell everything and go short, maintaining an average position of 95% long and 5% short since May 2020 [1] - The company emphasizes teaching investors to become proficient traders through a structured playbook, focusing on short- and medium-term investments, income generation, special situations, and momentum trades [1] Company Overview - Quad 7 Capital has expertise in various fields including business, policy, economics, mathematics, game theory, and sciences [1] - The firm shares both long and short trades and invests personally in equities discussed within their investing group [1] - The goal of BAD BEAT Investing is to provide in-depth, high-quality research with clear entry and exit targets to save investors time [1] Benefits of BAD BEAT Investing - Investors can learn to understand market dynamics and execute well-researched trade ideas weekly [2] - The service includes access to 4 chat rooms and daily summaries of key analyst upgrades and downgrades [2] - Participants can also learn basic options trading and utilize extensive trading tools [2]