Here's What Key Metrics Tell Us About FB Financial (FBK) Q2 Earnings

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Here's What Key Metrics Tell Us About FB Financial (FBK) Q2 Earnings

For the quarter ended June 2026, FB Financial (FBK) reported revenue of $174.75 million, up 27.2% over the same period last year. EPS came in at $1.14, compared to $0.88 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $173.93 million, representing a surprise of +0.48%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.14.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how FB Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Core Efficiency Ratio: 52% versus the three-analyst average estimate of 54%. Net Interest Margin: 4% versus 3.9% estimated by three analysts on average. Net Charge-offs during the period to Average Loans outstanding: 0.1% compared to the 0.1% average estimate based on two analysts. Average Earning Assets: $15.22 billion versus $15.4 billion estimated by two analysts on average. Mortgage banking income: $11.17 million compared to the $13.77 million average estimate based on three analysts. Total Noninterest income: $25.78 million versus the three-analyst average estimate of $27.39 million. Net interest income (tax-equivalent basis): $149.79 million versus $149.92 million estimated by two analysts on average. Other Income: $2.73 million versus $2.45 million estimated by two analysts on average. Service charges on deposit accounts: $4.47 million compared to the $4.31 million average estimate based on two analysts. Net Interest Income: $148.97 million compared to the $146 million average estimate based on two analysts. ATM and interchange fees: $3.27 million versus the two-analyst average estimate of $3.13 million. Investment services and trust income: $4.52 million compared to the $4.48 million average estimate based on two analysts.

View all Key Company Metrics for FB Financial here>>>

Shares of FB Financial have returned +3.1% over the past month versus the Zacks S&P 500 composite's +4.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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