FB Financial reports Q4 2024 EPS $0.81 ($0.85 adj), NIM 3.50%, loans +5.2% annualized

FB Financial Corp

2024-FY EPS reported $2.48

Net income $37.9M ($0.81 diluted EPS); adjusted diluted EPS $0.85, flat sequentially.
Loans HFI up 5.22% annualized to $9.60B; deposits up 8.49% annualized to $11.21B.
NIM 3.50% vs 3.55% prior quarter; net interest income $108.4M (+2.2% QoQ).
Annualized net charge-offs 0.47% reflecting one commercial charge-off; NPL ratio 0.87%.
Tangible book value per share $28.27, up 10% YoY; CET1 ratio 12.8%.

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