FB Financial (FBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Financial Performance - FB Financial reported revenue of $178.6 million for the quarter ended December 2025, representing a 37% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $1.16, up from $0.85 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $174.93 million by 2.1% [1] Key Metrics Analysis - Core Efficiency Ratio was 56.3%, higher than the estimated 52.6% by analysts [4] - Net Interest Margin stood at 4%, slightly above the estimated 3.9% [4] - Average Earning Assets were $15.04 billion, below the average estimate of $15.19 billion [4] Income and Charges - Mortgage banking income reached $13.51 million, surpassing the estimated $11.66 million [4] - Total Noninterest income was $28.8 million, exceeding the average estimate of $26.42 million [4] - Net interest income (tax-equivalent basis) was reported at $150.64 million, slightly above the estimate of $150.43 million [4] Stock Performance - FB Financial shares returned +3.3% over the past month, while the Zacks S&P 500 composite decreased by -0.4% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]