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FB Financial (FBK) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 2, 2026 · FB Financial (FBK) Q3 2026 earnings results →

Q3 2026 Revenue up 0% year over year to $174M · 35¢ of every $1 of revenue kept as net profit · operating margin 44.1%

FB Financial made $174M in Q3 2026 (+0.4% Y/Y): Net interest income $150M, Noninterest income $24.5M. Operating margin 44.1%, net earnings $60.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 2, 2026.

Revenue$174M
Year over year+0.4%
Operating margin44.1%
Net earnings$60.2M
Operating cash flow$19.7M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $174.5M in Q3 2026, roughly flat year over year and roughly flat from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $2.7M year over year (up 2%), 443% of the total change. Noninterest income declined 8%.

Operating profit was $77.0M, a 44.1% margin (up 27.1 points year over year). Of the extra revenue versus a year earlier, 7762% reached operating profit, above the 17% margin then. Total costs fell 32% while revenue was flat. Net earnings were $60.2M, up 158% year over year. The effective tax rate was 21.8%.

Operating cash flow was $19.7M (down 59% year over year), 33% of net earnings. Non-cash charges added back $3.1M of depreciation and amortization and $1.6M of share-based compensation. Working capital and other items used $45.2M. Capital expenditures of $1.4M left free cash flow of $18.2M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 2, 2026$174M+0.4%44.1%$60.2M$19.7M

Charts

FB Financial: where the cash came from (+) and went (−), TTM to Q3 2026FB Financial: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$1.1BOther financing$896MCash drawn (+) / kept (−)$262MBuybacks−$223MOperating cash flow$179MDividends−$42.3MCapital spending−$6.5MTaxes on employees’ shares−$4.4MShares issued$1.1MPartners−$16K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
FB Financial: profit against cash, quarter by quarterFB Financial: profit against cash, quarter by quarterNet incomeOperating cash flow$37.9M$14.1MQ4 2024$39.4M−$16.5MQ1 2025$2.9M$71.8MQ2 2025$23.4M$47.7MQ3 2025$57.0M$52.8MQ4 2025$57.5M$31.0MQ1 2026$58.7M$75.5MQ2 2026$60.2M$19.7MQ3 2026
Latest (Q3 2026): Net income $60.2M, Operating cash flow $19.7M.
FB Financial: diluted shares by fiscal yearFB Financial: diluted shares by fiscal year38MFY202048MFY202147MFY202247MFY202347MFY202450MFY2025
+31.4% since FY2020: more shares outstanding (issuance, stock pay).
FB Financial in its industry: growth against margin (133 companies, SIC 6022)FB Financial in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFFBK (+0%, 44%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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FB Financial against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.4% against the peers' median +10%. Operating margin: 44.1% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
FBK FB FinancialQ3 2026$174M+0.4%44.1%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: FB Financial 10-Q on SEC EDGAR · CIK 1649749 · State Commercial Banks

13F: who owns FBK and who is buying

Largest holders of FBK (13F)Largest holders of FBK (13F)BlackRock$349MT. Rowe Price Investment Manageme…$214MVanguard Group$168MState Street$136MVanguard Capital Management LLC$119MDimensional Fund Advisors LP$112MWestwood Holdings Group$71.0MGeode Capital Management, LLC$60.4MWellington Management Group LLP$59.2MLoomis Sayles & Co L P$48.2M
Funds' net buying of FBK by quarter (13F)Funds' net buying of FBK by quarter (13F)$5.0M2024-09−$2.2M2024-12$3.2M2025-03−$27.1M2025-06$419M2025-09$190M2025-12−$105M2026-03$37.4M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FBK

History

Every quarter: Q3 2026 results

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中文版：FB Financial（FBK）财报

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