Company research
FB Financial Corp
CIK 1649749Updated Sep 24, 2026
SecurityFBK · NYSE · equity
Name history
First South Bancorp, Inc. · through Nov 23, 2015
FBK price & chart
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NYSE:FBK on TradingView ↗About the company
FB Financial Corporation (NYSE: FBK) is a bank holding company headquartered in Nashville, Tennessee. FB Financial operates through its wholly owned banking subsidiary, FirstBank, in Tennessee, Alabama, Kentucky, and Georgia. Including the impact of today’s merger, FB Financial now operates 93 full-service bank branches across its footprint and has approximately $16 billion of total assets.
In the news
Recent filings
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03, 9.01
424B5 filing
FWP filing
305B2 filing
FWP filing
Show 5 more recent filings
424B5 filing
Other Events
Items 8.01, 9.01
Other Events
Items 8.01, 9.01
4 filing
4 filing
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 16,300,292,000Source | 13,157,482,000Source | 12,604,403,000Source | 12,847,756,000Source |
| GoodwillUSD | 350,353,000Source | 242,561,000Source | 242,561,000Source | 242,561,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 1,155,895,000Source | 1,042,488,000Source | 810,932,000Source | 1,027,052,000Source |
| Operating Lease, Right-of-Use AssetUSD | 49,249,000Source | 47,963,000Source | 54,295,000Source | 60,043,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 14,352,034,000Source | 11,589,851,000Source | 11,149,516,000Source | 11,522,238,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 51,752,000Source | 46,663,000Source | 46,849,000Source | 46,738,000Source |
| Retained Earnings (Accumulated Deficit)USD | 846,620,000Source | 762,293,000Source | 678,412,000Source | 586,532,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -32,551,000Source | -101,684,000Source | -134,725,000Source | -169,433,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,948,165,000Source | 1,567,538,000Source | 1,454,794,000Source | 1,325,425,000Source |
| Additional Paid in Capital, Common StockUSD | 1,082,344,000Source | 860,266,000Source | 864,258,000Source | 861,588,000Source |
| Liabilities and EquityUSD | 16,300,292,000Source | 13,157,482,000Source | 12,604,403,000Source | 12,847,756,000Source |
| Deferred Income Tax Liabilities, NetUSD | — | — | — | 0Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 93,000Source | 93,000Source | 93,000Source | 93,000Source |
| Additional Financial Items | ||||
| Dividends PayableUSD | 408,000Source | 374,000Source | 287,000Source | 222,000Source |
| Long-term DebtUSD | 212,764,000Source | 176,789,000Source | 390,964,000Source | 415,677,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 122,638,000Source | 116,051,000Source | 120,240,000Source | 124,571,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation, Depletion and AmortizationUSD | 12,054,000Source | 11,966,000Source | 11,180,000Source | 8,017,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 17,308,000Source | 9,485,000Source | 10,381,000Source | 9,857,000Source |
| Deferred Income Tax Expense (Benefit)USD | -4,895,000Source | -1,763,000Source | -1,415,000Source | 12,552,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 155,863,000Source | 138,800,000Source | 211,072,000Source | 789,326,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -32,481,000Source | -294,004,000Source | -55,215,000Source | -1,744,118,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 8,849,000Source | 6,546,000Source | 20,229,000Source | 10,629,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 3,152,000Source | 1,846,000Source | 3,379,000Source | 2,842,000Source |
| Payments for Repurchase of Common StockUSD | 155,914,000Source | 12,699,000Source | 4,944,000Source | 39,979,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -9,975,000Source | 386,760,000Source | -371,977,000Source | 184,104,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 37,887,000Source | 31,780,000Source | 28,057,000Source | 24,503,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 113,407,000Source | 231,556,000Source | -216,120,000Source | -770,688,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 1,155,895,000Source | 1,042,488,000Source | 810,932,000Source | 1,027,052,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 320,459,000Source | 303,662,000Source | 261,032,000Source | 63,701,000Source |
| Income Taxes Paid, NetUSD | 20,969,000Source | 43,195,000Source | 37,937,000Source | — |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 5,298,000Source | 2,947,000Source | 3,659,000Source | 4,585,000Source |
| Debt and Equity Securities, Gain (Loss)USD | -60,457,000Source | -56,378,000Source | -13,973,000Source | -376,000Source |
| Dividends PayableUSD | 408,000Source | 374,000Source | 287,000Source | 222,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | — | — | — | -151,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 38,699,000Source | 33,700,000Source | 28,541,000Source | 47,783,000Source |
| Gain (Loss) on Termination of LeaseUSD | -265,000Source | — | — | — |
| GoodwillUSD | 350,353,000Source | 242,561,000Source | 242,561,000Source | 242,561,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | -2,359,000Source | — | — | — |
| Income Tax Expense (Benefit)USD | 15,880,000Source | 30,619,000Source | 30,052,000Source | 35,003,000Source |
| Net Income (Loss) Attributable to ParentUSD | 122,622,000Source | 116,035,000Source | 120,224,000Source | 124,555,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 16,000Source | 16,000Source | 16,000Source | 16,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 122,622,000Source | 116,035,000Source | 120,224,000Source | 124,555,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | 364,000Source |
| Other Interest and Dividend IncomeUSD | 39,911,000Source | 44,330,000Source | 44,805,000Source | 12,258,000Source |
| Proceeds from Issuance of Common StockUSD | 897,000Source | 882,000Source | 723,000Source | 1,212,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 301,045,000Source | 299,814,000Source | 128,206,000Source | 204,748,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 33,189,000Source | 14,667,000Source | 16,738,000Source | 10,393,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 138,518,000Source | 146,670,000Source | 150,292,000Source | 159,574,000Source |
| Income Tax Expense (Benefit)USD | 15,880,000Source | 30,619,000Source | 30,052,000Source | 35,003,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 16,000Source | 16,000Source | 16,000Source | 16,000Source |
| Net Income (Loss) Attributable to ParentUSD | 122,622,000Source | 116,035,000Source | 120,224,000Source | 124,555,000Source |
| Earnings Per Share, BasicUSD per share | 2.47Source | 2.48Source | 2.57Source | 2.64Source |
| Earnings Per Share, DilutedUSD per share | 2.45Source | 2.48Source | 2.57Source | 2.64Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 49,744,804Source | 46,737,217Source | 46,781,214Source | 47,113,470Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 50,070,121Source | 46,872,625Source | 46,822,792Source | 47,239,791Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 5,298,000Source | 2,947,000Source | 3,659,000Source | 4,585,000Source |
| Business Combination, Acquisition Related CostsUSD | 23,803,000Source | — | — | 0Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.76Source | 0.68Source | 0.6Source | 0.52Source |
| Current Income Tax Expense (Benefit)USD | 20,775,000Source | 32,382,000Source | 31,467,000Source | 22,451,000Source |
| Debt and Equity Securities, Gain (Loss)USD | -60,457,000Source | -56,378,000Source | -13,973,000Source | -376,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 12,054,000Source | 11,966,000Source | 11,180,000Source | 8,017,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | -2,359,000Source | — | — | — |
| Interest ExpenseUSD | — | — | 271,193,000Source | 69,187,000Source |
| InterestExpenseOperatingUSD | 317,826,000Source | 309,035,000Source | — | — |
| Interest Income (Expense), NetUSD | 516,100,000Source | 416,503,000Source | 407,217,000Source | 412,235,000Source |
| Labor and Related ExpenseUSD | 217,721,000Source | 183,813,000Source | 203,441,000Source | 211,491,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 122,622,000Source | 116,035,000Source | 120,224,000Source | 124,555,000Source |
| Other Interest and Dividend IncomeUSD | 39,911,000Source | 44,330,000Source | 44,805,000Source | 12,258,000Source |
| Undistributed Earnings (Loss) Allocated to Participating Securities, BasicUSD | — | — | 0Source | 0Source |
Offerings
Registration 333-287103
Filing attachments
ea030648101ex4-1.htm · 8-K · 2026-09-24
Exhibit 4.1 FB FINANCIAL CORPORATION, a Tennessee corporation, as Issuer and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION as Trustee SUBORDINATED INDENTURE Dated as of September 24, 2026 Subordinated Debt Securities Reconciliation and tie to Trust Indenture Act of 1939, as amended. Trust Indenture Act Section Indenture Section Section 310 (a)(1) 607 (a)(2) 607 …
Read attachment ↗ea030648101ex4-2.htm · 8-K · 2026-09-24
Exhibit 4.2 FB FINANCIAL CORPORATION, Company, AND U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of September 24, 2026 TO SUBORDINATED INDENTURE Dated as of September 24, 2026 6.625% FIXED-TO-FLOATING RATE SUBORDINATED NOTES DUE 2036 TABLE OF CONTENTS Article I DEFINITIONS 1 Section 1.1 Definitions 1 Article II GENERAL TERMS AND CONDITIONS OF THE NOTES …
Read attachment ↗ea030600401ex99-1.htm · 8-K · 2026-09-21
Exhibit 99.1 September 2026 Fixed Income Investor Presentation 2 Forward - Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company's future plans, results, strategies, and expectations, including expectations around changing economic m…
Read attachment ↗ea030565201ex99-1.htm · 8-K · 2026-09-17
EX-99.1 2 ea030565201ex99-1.htm INVESTOR PRESENTATION, DATED SEPTEMBER 17, 2026 Exhibit 99.1 September 2026 Fixed Income Investor Presentation 2 Forward - Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company's future plans, resu…
Read attachment ↗tm2531234d1_ex99-1.htm · 8-K · 2025-11-14
EX-99.1 3 tm2531234d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 SHARE PURCHASE AGREEMENT This Share Purchase Agreement (this “Agreement”), dated as of November 14, 2025, is made by and among FB Financial Corporation, a Tennessee corporation (the “Company”), the Estate of James W. Ayers (the “Selling Shareholder”) and the Purchasers listed on Exhibit A hereto, together with their permitted transferees (each, a “Purchaser” and collectively, the “Purchasers”). RECITALS: A. Subject to…
Read attachment ↗tm2530978d1_ex99-1.htm · 8-K · 2025-11-13
EX-99.1 2 tm2530978d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 TABLE OF CONTENTS Page Part I. Financial Statements Item 1. Financial Statements (unaudited) Consolidated Balance 2 Sheets Consolidated Statements of Income 3 Consolidated Statements of Comprehensive 4 Income Consol…
Read attachment ↗