FB Financial Corp (FBK) Q3 2025 10-Q Quarterly Report
FB Financial Corp (FBK) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 7, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
FB Financial Corp Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue $173.9M Q3 2025 vs $89.5M Q3 2024; net interest income $147.2M vs $106.0M, driven by Southern States merger
- • Operating margin (inferred from efficiency ratio) improved: efficiency ratio 63.2% Q3 2025 vs 85.1% Q3 2024; net interest margin 3.95% vs 3.55%
Risk Factors
- • No new risk factors added this quarter; risk disclosures consistent with prior 10-K
- • Most updated risk: capital ratios with Tier 1 risk-based capital at 11.7% vs 12.0% prior, reflecting recent capital issuance and dividends
FB Financial Corp Q3 2025 Quarterly FinancialsXBRL
Revenue
$237M
▲ +27.6% YoY▲ +30.1% QoQ
Net Income
$23M
▲ +128.7% YoY▲ +703.5% QoQ
Net Margin
9.9%
▲ +436bp YoY▲ +827bp QoQ
ROE
1.2%
Total Assets
$16.2B
EPS (Diluted)
$0.43
▲ +95.5% YoY▲ +514.3% QoQ
Operating Cash Flow
$48M
▼ -0.1% YoY▼ -33.5% QoQ
Source: XBRL data from FB Financial Corp Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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