FB Financial Corp (FBK) FY2025 10-K Annual Report
FB Financial Corp (FBK) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FB Financial Corp FY2025 10-K Analysis
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
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
FB Financial Corp FY2025 Key Financial MetricsXBRL
Revenue
$834M
▲ +14.9% YoY
Net Income
$123M
▲ +5.7% YoY
Net Margin
14.7%
▼ -129bp YoY
ROE
6.3%
▼ -111bp YoY
Total Assets
$16.3B
▲ +23.9% YoY
EPS (Diluted)
$2.45
▼ -1.2% YoY
Operating Cash Flow
$156M
▲ +12.3% YoY
Source: XBRL data from FB Financial Corp FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on FB Financial Corp
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.