FB Financial Corp
FBKNYSEFinancials · State Commercial Banks · TN · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $122.6M | $116.0M | $120.2M | $124.6M | $190.3M | $63.6M |
| Total assets | $16.30B | $13.16B | $12.60B | $12.85B | $12.60B | $11.21B |
| Total liabilities | $14.35B | $11.59B | $11.15B | $11.52B | $11.16B | $9.92B |
| Equity | $1.95B | $1.57B | $1.45B | $1.33B | $1.43B | $1.29B |
| EPS (diluted) | $2.45 | $2.48 | $2.57 | $2.64 | $3.97 | $1.67 |
| Shares out. | 46.7M | 46.9M | 46.6M | 47.6M | 47.3M | 31.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.3%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.0%
- Debt / equity
- 7.37×
- Book value / share
- $41.74
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 5.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Ayers J. JonathanActivist (13D)May 22, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- T. Rowe Price Investment Management, Inc.Passive (13G)Nov 14, 2025
- Blackrock, Inc.Passive (13G)Apr 28, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Johnson R MiltonDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Carpenter William F IiiDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Jubran Raja J.Director | May 22, 2026 | Grant | 1,329 | $0.00 |
| Holmes Christopher TOfficer — President and CEO | Apr 13, 2026 | Gift | 38,619 | $0.00 |
| Cross James W IvDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Exum James L.Director | May 22, 2026 | Grant | 1,329 | $0.00 |
| Pinson Charles WrightDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Reynolds Emily J.Director | May 22, 2026 | Grant | 1,329 | $0.00 |
| Ingram Orrin H IiDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Clark AgeniaDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Smith J. Henry IvDirector | May 22, 2026 | Grant | 1,329 | $0.00 |
| Sullivan Melody J.Director | May 22, 2026 | Grant | 1,329 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.7M | 6.7 | -0.9% |
| Apr 30, 2026 | 1.7M | 6.2 | +1.9% |
| Apr 15, 2026 | 1.7M | 4.5 | -5.5% |
| Mar 31, 2026 | 1.8M | 4.7 | +16.3% |
| Mar 13, 2026 | 1.5M | 5.1 | -2.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 22, 2026
- Regulation FD disclosureMay 13, 2026
- Regulation FD disclosure · Other material eventApr 27, 2026
- Results of operations · Regulation FD disclosureApr 13, 2026
- Regulation FD disclosureFeb 11, 2026
- Director / officer changeFeb 3, 2026
- Results of operations · Regulation FD disclosureJan 21, 2026
- Other material eventDec 4, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.