FB Financial Q3 revenue and adjusted EPS beat estimates

FB Financial

14/10/2025 11:25

Overview

FB Financial Q3 revenue and adjusted EPS beat analyst expectations

Company's merger with Southern States boosted loans and deposits significantly

Net interest margin improved to 3.95% from 3.68% in prior quarter

Outlook

Company expects to build on current momentum into the fourth quarter

FB Financial aims for aggressive growth and profitability goals

Company anticipates full benefits from debt redemption in Q4

Result Drivers

MERGER IMPACT - Significant increases in loans and deposits due to merger with Southern States Bancshares

MARGIN IMPROVEMENT - NIM increased to 3.95% driven by strategic actions including balance sheet optimization and debt redemption

EFFICIENCY GAINS - Core efficiency ratio improved despite higher expenses from merger-related costs

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Beat
$173.87 mln
$167.89 mln (5 Analysts)
Q3 Adjusted EPS
Beat
$1.07
$0.95 (6 Analysts)
Q3 EPS
$0.43
Q3 Adjusted Net Income
Beat
$57.60 mln
$53.73 mln (3 Analysts)
Q3 Net Income
$23.37 mln
Q3 Net Interest Income
$147.24 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "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 $61.50, about 8.4% above its October 13 closing price of $56.31

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nBwTM6dWa

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.)