Filing Flows › FB Financial (FBK) › Q3 2026 › vs Q3 2025
FB Financial (FBK) Q3 2026 vs Q3 2025 (year over year)
FB Financial's revenue rose $611K (+0.4%) from $174M in Q3 2025 to $174M in Q3 2026. The biggest changes: Net interest income +$2.7M (+2%); Noninterest income −$2.1M (-8%). Operating margin 44.1% against 17.0% (+27.1 pts).
FB Financial, Q3 2026: revenue $174M (+0.4% year over year), operating margin 44.1%, net earnings $60.2M, operating cash flow $19.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.1% | 17.0% | +27.1 pts |
| Net margin | 34.5% | 13.4% | +21.1 pts |
| Free cash flow margin | 10.5% | 26.2% | -15.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $150M | $147M | $2.7M | +2% |
| Noninterest income | $24.5M | $26.6M | −$2.1M | -8% |
| Revenue | $174M | $174M | $611K | +0.4% |
| Operating profit | $77.0M | $29.6M | $47.4M | +160% |
| Costs & expenses | $97.5M | $144M | −$46.8M | -32% |
| Pre-tax earnings | $77.0M | $29.6M | $47.4M | +160% |
| Credit loss provision | $1.2M | $30.0M | −$28.8M | -96% |
| Noninterest expense | $96.0M | $110M | −$13.8M | -13% |
| Net earnings | $60.2M | $23.4M | $36.8M | +158% |
| Income tax | $16.8M | $6.2M | $10.6M | +170% |
| Depreciation & amortization | $3.1M | $3.2M | −$72K | -2% |
| Share-based compensation | $1.6M | $3.8M | −$2.2M | -58% |
| Working capital & other | $45.2M | −$17.4M | $62.6M | — |
| Operating cash flow | $19.7M | $47.7M | −$28.0M | -59% |
| Free cash flow (OCF − capex) | $18.2M | $45.6M | −$27.3M | -60% |
| Capital expenditures | $1.4M | $2.1M | −$710K | -33% |
Questions
How much did FB Financial's revenue grow year over year in Q3 2026?
FB Financial's revenue rose $611K (+0.4%) from $174M in Q3 2025 to $174M in Q3 2026.
What drove FB Financial's revenue change in Q3 2026?
Net interest income +$2.7M (+2%); Noninterest income −$2.1M (-8%).