FBK
FB Financial Corp (FBK) Q1 2026 Earnings Call Highlights: Strong Capital Position Amid ...
Article Summary
HOLD- FB Financial Corp. (NYSE: FBK) reported strong earnings and EPS growth as loan and deposit growth remained solid, supported by stable loan yields and stable deposit growth.
- FB Financial maintained disciplined expense management with a 55.2% efficiency ratio and a 54.3% adjusted efficiency ratio, with expectations to maintain a low 50% range for the year.
- Non-interest-income revenue declined slightly, but non-interest expenses declined significantly, and net interest margins held steady at 3.94%.
- Capital levels remained solid with a common equity tier 1 ratio of 11.5% and tier 1 leverage ratio of 10.4%, supported by 13.4% total risk-based capital.
- Despite competitive pressures, the company received a J.D.
- Power Retail Banking Award for customer satisfaction in the South Central region, highlighting strong client trust and service quality.
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Growth Stock Scoring Breakdown
| METRIC | VALUE | WEIGHT | ANALYSIS |
|---|---|---|---|
| Sales Growth TTM ? | 18.9% | 25% | 60.0 ptsModerate (18.9%) - Decent growth |
| EPS Growth Next 5Y ? | 0.0% | 25% | 10.0 ptsVery Weak (0.0%) - Minimal expectations |
| Target Price Upside ? | 18.6% | 20% | 60.0 ptsModerate Upside (18.6%) - Target: $64.86 vs Current: $54.70 |
| Gross Margin % ? | — | 15% | 40.0 ptsNo Gross Margin Data |
| Drawdown from 52-Wk High ? | -12.3% | 15% | 40.0 ptsMild Pullback (-12.3%) - Light entry opportunity |
Disclaimer: This rating is for informational purposes only and is not financial advice.
All data sourced from Finviz.
Always conduct your own research and consult with a financial advisor before making investment decisions.
Past performance does not guarantee future results.
About FBK
- FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services.
- The company operates in two segments, Banking and Mortgage.
- It offers interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies.
- The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit.
- In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking.
- It operates through various full-service branch locations, as well as online or mobile banking.
- The company serves retail and wealth consumers, small businesses, and corporate clients and owners.
- The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016.
- FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.