FB Financial (FBK) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - FB Financial (FBK) reported a revenue of $137.41 million for the quarter ended June 2025, marking a year-over-year increase of 7.2% and exceeding the Zacks Consensus Estimate of $135.28 million by 1.58% [1] - The company's EPS for the same period was $0.88, slightly below the consensus estimate of $0.89, reflecting an EPS surprise of -1.12% compared to $0.84 a year ago [1] Financial Performance Metrics - Efficiency Ratio stood at 56.9%, better than the three-analyst average estimate of 57.3% [4] - Net Interest Margin was reported at 3.7%, surpassing the average estimate of 3.6% based on three analysts [4] - Average Earning Assets totaled $12.24 billion, below the two-analyst average estimate of $12.57 billion [4] - Net Charge-offs during the period to Average Loans outstanding were 0%, compared to the average estimate of 0.1% [4] - Mortgage banking income reached $13.03 million, exceeding the three-analyst average estimate of $12.8 million [4] - Total Noninterest income was $26 million, higher than the average estimate of $24.69 million [4] - Net interest income (tax-equivalent basis) was $112.24 million, slightly above the average estimate of $111.95 million [4] - Other Income amounted to $2.54 million, compared to the average estimate of $2.25 million [4] - Service charges on deposit accounts were $3.39 million, slightly below the average estimate of $3.46 million [4] - Net Interest Income was reported at $111.42 million, marginally below the two-analyst average estimate of $111.61 million [4] - ATM and interchange fees totaled $2.88 million, exceeding the two-analyst average estimate of $2.83 million [4] - Investment services and trust income reached $3.92 million, surpassing the two-analyst average estimate of $3.63 million [4] Stock Performance - FB Financial shares have returned +11.6% over the past month, outperforming the Zacks S&P 500 composite's +4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]