FB Financial (FBK) reported $137.41 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 7.2%. EPS of $0.88 for the same period compares to $0.84 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $135.28 million, representing a surprise of +1.58%. The company delivered an EPS surprise of -1.12%, with the consensus EPS estimate being $0.89.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how FB Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 56.9% versus the three-analyst average estimate of 57.3%.
- Net Interest Margin: 3.7% compared to the 3.6% average estimate based on three analysts.
- Average Earning Assets: $12.24 billion versus the two-analyst average estimate of $12.57 billion.
- Net Charge-offs during the period to Average Loans outstanding: 0% compared to the 0.1% average estimate based on two analysts.
- Mortgage banking income: $13.03 million versus the three-analyst average estimate of $12.8 million.
- Total Noninterest income: $26 million compared to the $24.69 million average estimate based on three analysts.
- Net interest income (tax-equivalent basis): $112.24 million compared to the $111.95 million average estimate based on two analysts.
- Other Income: $2.54 million versus $2.25 million estimated by two analysts on average.
- Service charges on deposit accounts: $3.39 million versus $3.46 million estimated by two analysts on average.
- Net Interest Income: $111.42 million versus the two-analyst average estimate of $111.61 million.
- ATM and interchange fees: $2.88 million versus the two-analyst average estimate of $2.83 million.
- Investment services and trust income: $3.92 million versus the two-analyst average estimate of $3.63 million.
View all Key Company Metrics for FB Financial here>>>
Shares of FB Financial have returned +11.6% over the past month versus the Zacks S&P 500 composite's +4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
FB Financial Corporation (FBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
