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AI brief of an SEC Form 8-K · FB Financial (FBK)

FB Financial Q4 net income rises to $57.0 million, or $1.07 per diluted share

Positive Impact 3 of 5 earnings Written later

FB Financial Corporation (NYSE: FBK) reported fourth-quarter 2025 net income of $57.0 million, or $1.07 per diluted share, up from $0.81 a year earlier and $0.43 in the prior quarter. For the full year, diluted earnings per share were $2.45, slightly below $2.48 in 2024, and the filing does not include new guidance for 2026.

Key points

  • Q4 2025 net income of $57.0 million, or $1.07 per diluted share, versus $0.81 in Q4 2024 and $0.43 in Q3 2025
  • Adjusted diluted EPS of $1.16 for Q4 2025, versus $0.85 a year earlier; adjusted results exclude items such as $4.6 million in merger and integration costs
  • Full-year 2025 net income of $122.6 million, or $2.45 per diluted share, compared with $116.0 million, or $2.48, in 2024
  • Net interest margin rose to 3.98% from 3.50% a year earlier, while the efficiency ratio rose to 60.2% from 56.1%; the company repurchased 1,717,948 shares in the quarter

The filing

CompanyFB Financial (FBK)
Form8-K, current report
Filed with the SECJan 21, 2026, 4:19 PM ET
Accession number0001649749-26-000003

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:49 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 21, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.