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]

Core Insights - Sallie Mae reported revenue of $372.98 million for Q3 2025, a year-over-year increase of 3.8% [1] - The EPS for the quarter was $0.63, a significant improvement from -$0.23 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $375.85 million by 0.76% [1] - The EPS was below the consensus estimate of $0.84, resulting in a surprise of -25% [1] Financial Metrics - Net Interest Margin was reported at 5.2%, slightly above the two-analyst average estimate of 5.1% [4] - Net Interest Income was $372.98 million, compared to the average estimate of $375.85 million [4] - Gains on sales of loans were $135.96 million, below the estimated $144.59 million [4] - Other income reached $31.87 million, exceeding the average estimate of $23.75 million [4] - Total Non-Interest Income was $172.7 million, surpassing the average estimate of $168.34 million [4] Stock Performance - Sallie Mae's shares have returned -5.1% over the past month, contrasting with the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market [3]