Filing Flows › FB Financial (FBK) › Q3 2026
FB Financial (FBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 2, 2026
FB Financial (FBK) reported revenue of $174M for the third quarter 2026 (Q3 2026), +0.4% from a year earlier and -0.2% from the quarter before. Operating margin was 44.1%, net earnings $60.2M (34.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $174M | -0.2% | +0.4% |
| Operating profit | $77.0M | +5% | +160% |
| Net earnings | $60.2M | +3% | +158% |
| Operating cash flow | $19.7M | -74% | -59% |
| Free cash flow | $18.2M | -75% | -60% |
What changed
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.
Questions
What was FB Financial's revenue in the third quarter 2026?
FB Financial (FBK) reported revenue of $174M for the third quarter 2026 (Q3 2026), +0.4% from a year earlier and -0.2% from the quarter before.
Was FB Financial profitable in the third quarter 2026?
Operating profit was $77.0M (44.1% of revenue) and net earnings $60.2M.
Source: FB Financial 10-Q on SEC EDGAR.