FB Financial Q3 adjusted EPS $1.07, NIM expands to 3.95%; Southern States merger boosts growth

FB Financial Corp

2025-Q3 EPS reported $1.34 vs consensus $0.96 ▲ beat (+39.4%)

GAAP diluted EPS $0.43 vs $0.06 prior quarter; adjusted diluted EPS $1.07 vs $0.86 YoY.
Loans HFI $12.30B (+24.6% QoQ) and deposits $13.81B (+21.1% QoQ) driven by Southern States merger closed July 1.
Net interest margin improved to 3.95% from 3.68% QoQ; core efficiency ratio improved to 53.3% from 56.9%.
Total provision for credit losses $34.4M, including $25.1M day-one allowance on non-PCD acquired loans.
Book value per share $37.00, tangible book value $29.83; repurchased 493k shares in Q3.

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