For the quarter ended September 2025, FB Financial (FBK) reported revenue of $173.88 million, up 94.2% over the same period last year. EPS came in at $1.07, compared to $0.86 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $168.86 million, representing a surprise of +2.97%. The company delivered an EPS surprise of +3.88%, with the consensus EPS estimate being $1.03.
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:
- Net Interest Margin: 4% compared to the 3.8% average estimate based on three analysts.
- Core Efficiency Ratio: 53.3% versus 54.9% estimated by two analysts on average.
- Average Earning Assets: $14.87 billion compared to the $14.82 billion average estimate based on two analysts.
- Net Charge-offs during the period to Average Loans outstanding: 0.1% versus the two-analyst average estimate of 0.1%.
- Mortgage banking income: $13.48 million compared to the $13.7 million average estimate based on three analysts.
- Total Noninterest income: $26.64 million versus $28.17 million estimated by three analysts on average.
- Net interest income (tax-equivalent basis): $148.09 million versus the two-analyst average estimate of $142.07 million.
- Other Income: $2.12 million versus the two-analyst average estimate of $3.17 million.
- Service charges on deposit accounts: $4.05 million versus the two-analyst average estimate of $3.43 million.
- Net Interest Income: $147.24 million versus $139.71 million estimated by two analysts on average.
- ATM and interchange fees: $3.39 million versus $2.91 million estimated by two analysts on average.
- Investment services and trust income: $4.23 million versus $4.04 million estimated by two analysts on average.
View all Key Company Metrics for FB Financial here>>>
Shares of FB Financial have returned +7.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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FB Financial Corporation (FBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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