FB Financial (FBK) reported $174.49 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 0.4%. EPS of $1.21 for the same period compares to $1.07 a year ago.
The reported revenue represents a surprise of -3.14% over the Zacks Consensus Estimate of $180.14 million. With the consensus EPS estimate being $1.21, the company has not delivered EPS surprise.
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: Adjusted Efficiency Ratio: 54.3% versus the five-analyst average estimate of 53.1%. Net interest margin (tax-equivalent basis): 3.8% compared to the 3.9% average estimate based on five analysts. Annualized net charge-offs as a percentage of average loans HFI: 0% versus 0.1% estimated by four analysts on average. Average balances - Total interest-earning assets: $15.63 billion versus the three-analyst average estimate of $15.68 billion. Total Noninterest income: $24.54 million compared to the $27.4 million average estimate based on five analysts. Net interest income (tax-equivalent basis): $150.81 million versus $153.91 million estimated by four analysts on average. Mortgage banking income: $9.43 million versus $12.53 million estimated by four analysts on average. Other Income: $2.71 million versus $2.48 million estimated by three analysts on average. ATM and interchange fees: $3.26 million versus $3.38 million estimated by three analysts on average. Investment services and trust income: $4.93 million versus $4.57 million estimated by three analysts on average. Net Interest Income: $149.95 million versus the three-analyst average estimate of $152.48 million. Service charges on deposit accounts: $4.48 million versus the three-analyst average estimate of $4.5 million.View all Key Company Metrics for FB Financial here>>>
Shares of FB Financial have returned -4% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.7 Best Stocks for the Next 30 Days
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FB Financial Corporation (FBK): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).