FB Financial Corporation (FBK)

FB Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	122.64	116.05	120.24	124.57	190.3
Depreciation & Amortization	17.35	14.91	14.84	12.6	13.89
Provision for Credit Losses	43.46	12.24	1.89	15.99	-41.76
Stock-Based Compensation	17.31	9.49	10.38	9.86	10.28
Net Change in Loans Held-for-Sale	-43.89	-15.88	77.23	663.53	85.73
Other Adjustments	14.63	23.45	-7.91	-80.9	-161.76
Changes in Accrued Interest and Accounts Receivable	-12.49	-27.68	6.56	-7.22	59.28
Changes in Accrued Expenses	-2.39	7.51	-15.8	56.25	-100.11
Changes in Other Operating Activities	-0.75	-1.29	3.64	5.03	-0.97
Operating Cash Flow	155.86	138.8	211.07	799.71	54.9
Operating Cash Flow Growth	12.29%	-34.24%	-73.61%	1356.80%	-
Net Change in Loans Held-for-Investment	-515.02	-211.94	-97.3	-1,676	-309.77
Net Change in Securities and Investments	106.28	-87.74	54.16	-73.35	-543.09
Payments for Business Acquisitions	370.15	-	-	-	-
Capital Expenditures	-8.85	-6.55	-20.23	-10.63	-6.1
Sale of Property, Plant & Equipment	8.29	3.33	6.21	5.83	9.4
Other Investing Activities	6.67	8.89	1.95	-	-
Investing Cash Flow	-32.48	-294	-55.22	-1,754	-849.56
Net Change in Deposits	231	657.65	-312.9	28.78	1,379
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	86.37	-95.27	21.82	46.23	8.52
Short-Term Debt Issued	-	-130	130	-	-
Net Short-Term Debt Issued (Repaid)	-	-130	130	-	-
Long-Term Debt Issued	-	-	-	-	-60
Long-Term Debt Repaid	-130.93	-	-	-	-15
Net Long-Term Debt Issued (Repaid)	-130.93	-	-	-	-75
Issuance of Common Stock	0.9	0.88	0.72	1.21	1.48
Repurchase of Common Stock	-159.07	-14.55	-8.32	-42.82	-17.75
Net Common Stock Issued (Repurchased)	-158.17	-13.66	-7.6	-41.61	-16.27
Common Dividends Paid	-38.22	-31.95	-28.28	-24.67	-21.58
Other Financing Activities	-0.02	-0.02	-175.02	174.98	-0.02
Financing Cash Flow	-9.98	386.76	-371.98	183.72	1,275
Net Cash Flow	113.41	231.56	-216.12	-770.69	479.84
Free Cash Flow	147.01	132.25	190.84	789.08	48.79
Free Cash Flow Growth	11.16%	-30.70%	-75.81%	1517.21%	-
FCF Margin	31.09%	32.70%	47.16%	160.41%	7.41%
Free Cash Flow Per Share	2.94	2.82	4.08	16.70	1.02
Levered Free Cash Flow	-15.44	-27.05	239.24	180.58	81.28
Unlevered Free Cash Flow	-7.13	-13.09	-10.99	56.03	-34.01

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q