FBK at a glance
FB Financial Corp (FBK, SEC CIK 1649749) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 3, 2026, an 8-K current report on September 24, 2026 and Form 4 insider filings as recently as August 4, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FB Financial Corp (FBK) reported revenue of $833.9 million (up 14.9% from FY2024) and net income of $122.6 million. Diluted EPS was $2.45.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding FB Financial Corp (FBK) shares worth $1.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by JOYCE LYNN J on July 15, 2026 of 7,000 shares at $59.03 per share.
- In the last 90 days, FBK insiders reported 0 open-market purchases ($0) and 1 open-market sale ($413K) on Form 4, a net sale of $413K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $833.9M
- +14.9% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$413K
- 13F holders
- 32 funds
- $1.2B · −1 vs prior quarter
- Latest 8-K
- Sep 24, 2026
- Item 1.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- Dividend restrictions under Federal Reserve Regulation H limit payments without TDFI/Federal Reserve approval; $36.7M available at Dec 31, 2025 versus $185.9M at Dec 31, 2024
- Shareholders’ equity rose to $1.95B at Dec 31, 2025 from $1.57B in 2024, driven by $368M stock issuance from Southern States merger
- Capital ratios at Bank level: total risk-based capital 13.2%, Tier 1 leverage 10.3%, well above minimum regulatory thresholds as of Dec 31, 2025
- $155.9M stock repurchases in 2025 potentially impacting capital adequacy and liquidity position
- Dividend payout to holding company reached $201.6M in 2025 board-approved cash dividends, up from $61.5M in 2024
Management Discussion & Analysis
- Revenue mix: Banking and Mortgage segments; main Banking revenue from loan interest, fees; Mortgage from origination fees, secondary market gains
- M&A: Southern States Bancshares merger added $2.83B assets, $2.27B loans, $2.47B deposits; $368.4M consideration paid; goodwill $107.8M
- Asset base: Total assets $16.30B; loans $12.38B; deposits $13.91B; equity $1.95B as of 12/31/2025
- Credit costs: Provision for credit losses $43.3M (2025) vs $12.0M (2024); $28.4M due to Southern States acquired loans
- Credit quality: Nonperforming loans 0.97% vs 0.87% YoY; classified loans 1.10% vs 1.15%; nonperforming assets 0.97% vs 0.93% assets
AI summary of the FBK 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $174.8M, up from $76.9M YoY, driven by absence of prior-year $60.5M securities loss
- Net interest margin 3.95% vs 3.68% YoY; adjusted efficiency ratio 52.0% vs 56.9%
- Net income $58.6M vs $2.9M; ROAA 1.44% vs 0.09% and ROAE 11.8% vs 0.74%
- Loans HFI $12.9B vs $9.9B; deposits $14.3B vs $11.4B YoY
- Headwinds: increased credit-loss provision $10.1M vs $5.3M and nonperforming loans 1.17% vs 0.97%
Risk Factors
- No material changes to 10-K risk factors for year ended December 31, 2025
- No newly added risk factor identified in the quarter
- No materially updated regulatory, legal, or compliance risk disclosed
- No new operational, competitive, market, liquidity, debt, currency, or concentration risk disclosed
AI summary of the FBK 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- $125 million subordinated debt issuance completed September 24, 2026, increasing funding available for FirstBank growth
- 6.625% fixed coupon through October 1, 2031, then floating rate at expected Three-Month Term SOFR plus 205 basis points through 2036
Item 8.01: Other Events
- Updated investor presentation supersedes previously filed materials
- Management will use the presentation in meetings with investors and analysts
Item EX-99.1: Item EX-99.1
- $100 million fixed-to-floating subordinated notes due 2036, priced for 10-year funding with a 5-year call option
- Proceeds support general corporate purposes and FirstBank growth, strengthening capital while increasing long-term financing obligations
Item 8.01: Other Events
- Investor presentation released September 17, 2026 for management meetings with investors and analysts
- Exhibit 99.1 contains the substantive company disclosures and forward-looking investor messaging
Item EX-99.1: Item EX-99.1
- 2Q26 investor presentation highlights $16.8B assets, $14.3B deposits and $12.9B loans, establishing FBK’s post-Southern States scale
- Earnings momentum: 1.44% ROAA, 14.6% ROATCE and 52.3% efficiency ratio, with adjusted efficiency at 52.0%
AI summaries of FBK 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FBK
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Pinson Charles Wright | A | Jul 31, 2026 | 270 | $60.38 |
| Clark Agenia | A | Jul 31, 2026 | 135 | $60.38 |
| CARPENTER WILLIAM F III | A | Jul 31, 2026 | 270 | $60.38 |
| INGRAM ORRIN H II | A | Jul 31, 2026 | 270 | $60.38 |
| JOYCE LYNN J | Sell | Jul 15, 2026 | 7,000 | $59.03 |
| Sullivan Melody J. | A | May 22, 2026 | 1,329 | - |
| Exum James L. | A | May 22, 2026 | 1,329 | - |
| Reynolds Emily J. | A | May 22, 2026 | 1,329 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $678.4M | $725.5M | $833.9M |
| Net Income | $120.2M | $116.0M | $122.6M |
| Net Margin | 17.7% | 16.0% | 14.7% |
| Balance Sheet | |||
| Total Assets | $12.6B | $13.2B | $16.3B |
| Equity | $1.5B | $1.6B | $1.9B |
| ROE | 8.3% | 7.4% | 6.3% |
| Per Share | |||
| EPS | - | $2.48 | $2.45 |
| Cash Flow | |||
| Operating CF | $211.1M | $138.8M | $155.9M |
| CapEx | $20.2M | $6.5M | $8.8M |
Source: XBRL data in FB Financial Corp (FBK)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FBK share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.19B |
| Q1 2026 | 33 | $1.02B |
| Q4 2025 | 31 | $1.06B |
| Q3 2025 | 31 | $1.06B |
| Q2 2025 | 29 | $753.6M |
| Q1 2025 | 28 | $483.7M |
| Q4 2024 | 22 | $424.9M |
| Q3 2024 | 18 | $247.8M |
- Citadel Advisors LLC+465.1K (+3286%)
- Vanguard Capital Management LLC+268.1K (+14%)
- State Street Corp+183.9K (+8%)
- BlackRock+176.6K (+3%)
- Goldman Sachs Group+150.7K (+23%)
- Bank of America Corp−40.3K (-5%)
- Ameriprise Financial−21.6K (-8%)
- Principal Financial Group−2.0K (-1%)
- AQR Capital Management−959 (-1%)
- Truist Financial−319 (-6%)
- Mangrove Partners−7.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 224 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FBK filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 8-K | Sep 21, 2026 | - | Analysis | - |
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Aug 3, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 4 | Jul 16, 2026 | - | - | - |
| 8-K | Jul 13, 2026 | - | Analysis | - |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 8-K | May 22, 2026 | - | Analysis |
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FBK SEC filings: frequently asked questions
Are FBK insiders buying or selling?
In the last 90 days, FB Financial Corp (FBK) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $413,210 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FBK stock?
As of June 30, 2026, the largest FB Financial Corp (FBK) holders among the 13F filers tracked by SignalX were BlackRock ($348.6 million), State Street Corp ($135.6 million), Vanguard Capital Management LLC ($119.1 million), Dimensional Fund Advisors ($112.5 million), WESTWOOD HOLDINGS GROUP INC ($71.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FBK's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FB Financial Corp (FBK) reported revenue of $833.9 million (up 14.9% from FY2024) and net income of $122.6 million. Diluted EPS was $2.45. The figures come from the XBRL data in the 10-K.
What are the main risks in FBK's latest 10-K?
In the 10-K filed February 26, 2026, FB Financial Corp (FBK) flagged: Dividend restrictions under Federal Reserve Regulation H limit payments without TDFI/Federal Reserve approval; $36.7M available at Dec 31, 2025 versus $185.9M at Dec 31, 2024. Shareholders’ equity rose to $1.95B at Dec 31, 2025 from $1.57B in 2024, driven by $368M stock issuance from Southern States merger. (AI summary of the Risk Factors section.)
What did FBK report in its latest 8-K?
FB Financial Corp (FBK) filed an 8-K on September 24, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement). $125 million subordinated debt issuance completed September 24, 2026, increasing funding available for FirstBank growth.
What are the latest FBK SEC filings?
FB Financial Corp (FBK) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 3, 2026, an 8-K current report on September 24, 2026 and a Form 4 insider filing on August 4, 2026.
What is FBK's SEC CIK number?
FB Financial Corp (FBK)'s SEC Central Index Key (CIK) is 1649749. EDGAR lists every FBK filing under that number.
Ask anything about FBK
The research agent reads FBK's filings, financials, insider trades and 13F holders, then answers with sources.