FB Financial Corp financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
FBK on NYSE
Location
Nashville, TN
Fiscal year end
31 December
Latest financial report
06 Apr 2026

Quick Takeaways

  • FBK - FB Financial Corp financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 7%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-9.2%</span>.
  • Most recent SEC facts end date: 10 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-10) highlights Return On Equity 7.0%, Return On Assets 0.8%, and Operating Margin 43.1%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

20.5/100

Weak Confidence medium

Return On Equity

7%

Metric score 0.0/100

Return On Assets

0.83%

Metric score 0.0/100

Financial Health

Debt to Equity
7.27x

Strengths

Operating Margin

Watchpoints

Return On Equity, Return On Assets, and Debt-to-equity

Key metrics snapshot

Return On Equity

7%

YoY: -9.2%

Industry median: 10% (n=208)

View history

Return On Assets

0.83%

YoY: -7.6%

Industry median: 0.97% (n=208)

View history

Debt-to-equity

7.27x

YoY: -1.4%

Industry median: 8.4x (n=193)

View history

NetIncomeLoss YoY

5.7%

YoY:

Industry median: 16% (n=199)

View history

Profitability

Metric Latest value YoY change
Return On Equity 7% -9.2%
Return On Assets 0.83% -7.6%
Operating Margin 43%

Financial Health

Metric Latest value YoY change
Debt-to-equity 7.27x -1.4%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 5.7%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 51,757,557 +11%
Common Stock, Shares, Outstanding 51,752,401 +11%
Common Stock, Value, Issued $51,752,000 +11%
Weighted Average Number of Shares Outstanding, Basic 49,744,804 +6.4%
Weighted Average Number of Shares Outstanding, Diluted 50,070,121 +6.8%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $138,518,000 -5.6%
Income Tax Expense (Benefit) $15,880,000 -48%
Earnings Per Share, Basic 2.47 -0.4%
Earnings Per Share, Diluted 2.45 -1.2%
Cash and Cash Equivalents, at Carrying Value $1,155,895,000 +11%
Deferred Income Tax Assets, Net $12,819,000 -41%
Operating Lease, Right-of-Use Asset $49,249,000 +2.7%
Goodwill $350,353,000 +44%
Assets $16,300,292,000 +24%
Liabilities $14,352,034,000 +24%
Accumulated Other Comprehensive Income (Loss), Net of Tax $32,551,000 +68%
Retained Earnings (Accumulated Deficit) $846,620,000 +11%
Stockholders' Equity Attributable to Parent $1,948,165,000 +24%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,948,258,000 +24%
Liabilities and Equity $16,300,292,000 +24%
Common Stock, Shares Authorized 75,000,000 0%
Common Stock, Shares, Issued 51,752,401 +11%
Common Stock, Par or Stated Value Per Share 1 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $1,155,895,000 +11%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 0.21 0%
Deferred Tax Assets, Gross $117,603,000 +1.6%
Operating Lease, Liability $60,556,000 +0.89%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $191,755,000 +29%
Lessee, Operating Lease, Liability, to be Paid $74,734,000 +1.8%
Operating Lease, Weighted Average Discount Rate, Percent 0.0368 +6.1%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $14,178,000 +6%
Unrecognized Tax Benefits $0
Amortization of Intangible Assets $5,298,000 +80%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY