FB Financial beats Q4 revenue, profit estimates

FB Financial

21/01/2026 21:25

Overview

Financial holding company's Q4 revenue beat analysts' expectations

Adjusted EPS for Q4 beat analysts' expectations

Company repurchased 1.7 mln shares during the quarter

Outlook

Company did not provide specific guidance for future quarters or full-year 2026

Result Drivers

LOAN GROWTH - Modest loan growth driven by increases in commercial and residential real estate loans, offset by a decline in construction loans

NET INTEREST MARGIN - NIM increased due to lower funding costs, despite a decrease in yields on loans held for investment

CREDIT QUALITY - Stable charge-offs and a healthy allowance for credit losses maintained

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Beat
$178.6 mln
$176 mln (6 Analysts)
Q4 Adjusted EPS
Beat
$1.16
$1.11 (7 Analysts)
Q4 EPS
$1.07
Q4 Adjusted Net Income
Beat
$61.49 mln
$59.89 mln (5 Analysts)
Q4 Net Income
$56.98 mln
Q4 Net Interest Income
$149.8 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 6 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for FB Financial Corp is $65.00, about 11.1% above its January 20 closing price of $58.52

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 13 three months ago

Press Release: ID:nBw78KpDHa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)