FB Financial Q2 GAAP EPS $0.06 on $60.5M securities loss; adjusted EPS $0.88, NIM 3.68%

FB Financial Corp

2025-Q2 EPS reported $0.91 vs consensus $0.89 ▲ beat (+2.4%)

GAAP net income $2.9M ($0.06 diluted EPS) vs $0.84 prior Q and $0.85 YoY, impacted by $60.5M loss on sale of securities.
Adjusted diluted EPS $0.88 vs $0.85 prior Q and $0.84 YoY; adjusted pre-tax pre-provision net revenue $58.6M.
Net interest margin improved to 3.68% from 3.55% prior Q; loans HFI $9.87B (+4.22% annualized QoQ), deposits $11.40B (+7.21% annualized QoQ).
Closed Southern States merger on July 1, 2025, adding ~$2.87B in assets, $2.32B loans, $2.47B deposits.
Repurchased 811,704 shares in Q2; book value per share $35.17, tangible book value $29.78.

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