FB Financial Earnings Call Transcripts
Fiscal Year 2026
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Reported strong Q1 2026 results with EPS of $1.10 ($1.12 adjusted), robust loan and deposit growth momentum, and improved efficiency. Competitive pressures and rate volatility persist, but capital and liquidity remain strong, supporting continued disciplined growth and shareholder value creation.
Fiscal Year 2025
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Q4 and full-year results showed strong EPS, margin expansion, and robust loan/deposit growth, aided by the Southern States acquisition. Guidance for 2026 targets mid to high single-digit growth, stable margins, and improved efficiency, with a focus on customer experience and talent acquisition.
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Q3 2025 saw strong adjusted earnings, margin expansion, and successful integration of Southern States Bancshares. Guidance calls for continued margin strength, efficiency improvements, and high single-digit to low double-digit organic growth in 2026, supported by a robust capital position and strategic market focus.
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Q2 2025 saw strong adjusted earnings, successful completion of the Southern States merger, and a major securities sale to reposition the balance sheet. Loan and deposit growth remain on track, with guidance reaffirmed for mid to high single-digit growth and improved efficiency ratios ahead.
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Q1 2025 delivered solid earnings, with EPS of $0.84, strong loan growth, and robust capital ratios. Integration with Southern States Bank is on track, and expense and margin guidance remain stable despite economic uncertainty. Mortgage and new market expansion showed positive momentum.
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The merger creates a culturally aligned, geographically complementary bank with strong financials and conservative cost savings. The all-stock deal is valued at over $380 million, targets 12% EPS accretion, and expects to close in Q3. Management anticipates stable margins, manageable CRE exposure, and continued growth across the Southeast.
Fiscal Year 2024
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Q4 and full-year 2024 results showed strong EPS growth, improved efficiency, and robust capital ratios. The company targets high single-digit to low double-digit loan growth in 2025, with continued expansion and disciplined capital deployment.
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Q3 2024 saw strong adjusted earnings growth, stable margins, and robust capital ratios, with broad-based loan and deposit growth. Asset quality remains sound, and the outlook is positive for continued expansion and profitability into 2025.
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Q2 2024 saw stable adjusted EPS, margin expansion, and strong capital ratios. Loan and deposit growth is expected to be muted in the near term, with a return to 10% organic growth targeted for 2025. Credit quality remains solid, and capital deployment will focus on organic growth and select M&A.