FB Financial (FBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, FB Financial (FBK) reported revenue of $178.6 million, up 37% over the same period last year. EPS came in at $1.16, compared to $0.85 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $174.93 million, representing a surprise of +2.1%. The company delivered an EPS surprise of +1.46%, with the consensus EPS estimate being $1.14.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:

• Core Efficiency Ratio: 56.3% versus 52.6% estimated by three analysts on average.
• Net Interest Margin: 4% versus 3.9% estimated by three analysts on average.
• Average Earning Assets: $15.04 billion compared to the $15.19 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: $13.51 million versus $11.66 million estimated by three analysts on average.
• Total Noninterest income: $28.8 million versus $26.42 million estimated by three analysts on average.
• Net interest income (tax-equivalent basis): $150.64 million versus the two-analyst average estimate of $150.43 million.
• Other Income: $3.55 million versus $2.31 million estimated by two analysts on average.
• Service charges on deposit accounts: $4.18 million versus the two-analyst average estimate of $4.05 million.
• Net Interest Income: $149.8 million compared to the $147.77 million average estimate based on two analysts.
• ATM and interchange fees: $3.15 million versus the two-analyst average estimate of $3.37 million.
• Investment services and trust income: $4.47 million compared to the $4.24 million average estimate based on two analysts.

View all Key Company Metrics for FB Financial here>>>

Shares of FB Financial have returned +3.3% over the past month versus the Zacks S&P 500 composite's -0.4% 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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This article originally published on Zacks Investment Research (zacks.com).

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