FB Financial Q3 EPS $1.20, Loan Growth 9.7% Annualized, $29M Buyback
FBK is trading near its 52-week low of $49.24 (7.5% above the low).
Summary
FB Financial reported Q3 2026 EPS of $1.20, up from $1.13 in Q2, with strong loan and deposit growth, modest margin compression, and continued share repurchases.
Key Events · Earnings and Guidance · FBK
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Q3 EPS $1.20, Net Income $60.2M
Diluted EPS of $1.20 (adjusted $1.21) on net income of $60.2 million, up from $1.13 in Q2 2026 and $0.43 in Q3 2025.
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Loan Growth 9.68% Annualized
Loans held for investment reached $13.18 billion, up $314 million from Q2, driven by residential real estate, commercial real estate, and multifamily growth.
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NIM Compressed to 3.83%
Net interest margin fell 12 basis points from 3.95% in Q2 on higher deposit costs, including a 3 bps impact from a nonaccrual loan interest reversal.
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Credit Quality Remains Strong
Net charge-offs were 0.04% annualized, provision expense was just $1.4 million, and the allowance coverage ratio held at 1.47%.
Analysis · FBK · Finance
FB Financial delivered a strong third quarter with net income of $60.2 million, or $1.20 per diluted share, up from $1.13 in Q2 and $0.43 a year ago. Loans held for investment grew 9.68% annualized to $13.18 billion, while deposits rose 8.82% annualized to $14.67 billion. Net interest margin compressed 12 basis points to 3.83% on higher deposit costs, and the efficiency ratio ticked up to 55.0% from 52.3% in Q2. Credit quality remained solid with net charge-offs of just 0.04% annualized and a stable 1.47% allowance coverage ratio. The company also repurchased $29.3 million of stock during the quarter and completed a $125 million subordinated debt issuance, reinforcing capital flexibility. The results confirm the earnings trajectory already flagged in this morning's Dow Jones report, but the full filing adds granular detail on balance sheet growth, margin pressure, and capital deployment that investors need to assess the quarter's quality.
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At the time of this filing, FBK was trading at $52.95 on NYSE in the Finance sector, with a market capitalization of approximately $2.6B. The 52-week trading range was $49.24 to $62.66. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.