FB Financial Q4 2025 GAAP EPS $1.07, adjusted $1.16; NIM expands to 3.98%

FB Financial Corp

2025-FY EPS reported $2.45 vs consensus $1.13 ▲ beat (+117.7%)

Q4 net income $57.0M ($1.07 diluted EPS); adjusted net income $61.5M ($1.16 adjusted diluted EPS).
Net interest margin 3.98%, up from 3.95% prior Q and 3.50% YoY; net interest income $149.8M.
Loans HFI $12.38B (+0.7% linked Q); deposits $13.91B (+0.7% linked Q).
Repurchased 1.72M shares (~3% of outstanding) during Q4; tangible book value $30.27/share.
Preliminary CET1 ratio 11.4%; total risk-based capital 13.2%; net charge-offs remain low at 0.05%.

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