FB Financial Corp (2J2)
XFRA 
Summary
FB Financial Corporation (FBK) Q3 2025 Earnings Call Transcript
FB Financial Corporation (NYSE:FBK ) Q3 2025 Earnings Call October 14, 2025 9:00 AM EDT Company Participants Christopher Holmes - President, CEO & Director Michael Mettee - COO & CFO Conference Call Participants Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division Brett Rabatin - Hovde Group, LLC, Research Division Russell Elliott Gunther - Stephens Inc., Research Division David Rochester - Cantor Fitzgerald & Co., Research Division Stephen Scouten - Piper Sandler & Co., Research Division Stephen Moss - Raymond James & Associates, Inc., Research Division Christopher Marinac - Janney Montgomery Scott LLC, Research Division Presentation Operator Good morning, and welcome to FB Financial Corporation's Third Quarter 2025 Earnings Conference Call. Hosting the call today from FB Financial are Chris Holmes, President and Chief Executive Officer; and Michael Mettee, Chief Operating Officer and Chief Financial Officer.
Compared to Estimates, FB Financial (FBK) Q3 Earnings: A Look at Key Metrics
While the top- and bottom-line numbers for FB Financial (FBK) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
FB Financial (FBK) Surpasses Q3 Earnings and Revenue Estimates
FB Financial (FBK) came out with quarterly earnings of $1.07 per share, beating the Zacks Consensus Estimate of $1.03 per share. This compares to earnings of $0.86 per share a year ago.
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FB Financial Corp Profile
| Banks Industry | Financials Sector | Christopher T. Holmes CEO | XFRA Exchange | US30257X1046 ISIN |
| US Country | 1,490 Employees | 10 Nov 2025 Last Dividend | - Last Split | 16 Sep 2016 IPO Date |
Overview
FB Financial Corporation serves the financial needs of businesses, professionals, and individuals as a bank holding company for FirstBank, offering a broad range of commercial and consumer banking services. The company operates primarily in two segments: Banking and Mortgage. Initially known as First South Bancorp, Inc., the institution underwent a name change to FB Financial Corporation in 2016, signifying its growth and expansion. Founded in 1906, FB Financial Corporation has established its headquarters in Nashville, Tennessee, and has expanded its operations to include a wide network of full-service bank branches and mortgage offices throughout the southeastern United States, including, but not limited to, Tennessee, Alabama, and Kentucky.
Products and Services
- Banking Services
FB Financial Corporation offers a comprehensive suite of banking services including checking, demand, money market, and savings accounts tailored to meet the needs of corporate, commercial, and consumer clients. The company also provides a wide array of deposit and lending products and services, including time deposits and certificates of deposits.
- Loan Products
The company's loan portfolio encompasses a wide variety of loans catering to different needs. These include residential mortgage loans, commercial and industrial loans, land acquisition and development loans, construction loans, residential lines of credit, and consumer loans for vehicles, boats, recreational vehicles, and manufactured homes without real estate. Additionally, FB Financial Corporation provides personal lines of credit to its customers.
- Mortgage Banking
A significant part of FB Financial Corporation's services is its mortgage banking operations. The company serves its customers through a network of bank branches and mortgage banking offices across the southeastern United States, supplemented by a direct-to-consumer internet delivery channel. This segment effectively meets the residential mortgage lending needs of its customer base.
- Additional Financial Services
Beyond traditional banking and mortgage services, FB Financial Corporation also offers trust, insurance, and investment services to its clients. These services are designed to provide comprehensive financial solutions under one roof. Furthermore, the company emphasizes convenience and accessibility through its online and mobile banking services, enabling customers to manage their finances efficiently and securely.
Contact Information
