FB Financial (FBK)
Regional bank offering commercial, consumer, mortgage, treasury and trust services across the Southeast.
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Operates FirstBank across Tennessee and nearby Southeastern markets, earning mainly from interest on commercial and consumer loans funded by deposits. Mortgage origination and sales, treasury management, trust and investment services add fee income, while results remain sensitive to funding costs and borrower credit.
Operates FirstBank, a community-focused regional bank offering commercial and consumer loans, deposits, treasury management, cards, trust and investment services. Its Mortgage segment originates residential loans for sale into the secondary market and earns origination, sale and servicing income. The branch and relationship-banking footprint centers on Tennessee and extends across Alabama, Georgia, Kentucky and North Carolina.
Pairs locally empowered bankers with a broad product set and scalable platform, growing through new markets and bank acquisitions. The completed Southern States combination deepened coverage in Alabama, Georgia and Atlanta. Earnings depend chiefly on the spread between interest-earning assets and deposit or borrowing costs, borrower credit performance, mortgage-market execution, bank capital rules and federal and state supervision.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 1, 2026 | Raymond James | Reiterate | Rating: —Target: — | Target: $63 |
| Jun 24, 2026 | Benchmark | Initiate | Rating: — | |
| Jun 24, 2026 | Benchmark Co. | Target | Target: — | Target: $64 |
| Apr 15, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: $66 | Target: $65 |
| Apr 7, 2026 | Raymond James | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $147.0M · Total debt $372.5M · Total assets $16.80B · Shareholders' equity $1.94B
- Revenue
- $255.2M
- Operating income
- $73.2M
- Net income
- $58.6M
HistoryDividendAnnual yield
| Institutions | 82.23% | 41.10M shares | |
|---|---|---|---|
| 298 holders · as of Jun 30, 2026 | |||
| Insiders | 23.64% | 11.81M shares | |
| 23 holders · as of Aug 4, 2026 | |||
| Adds to | 105.87% | ||
49.98M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 105.87%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
James Austin McPhersonInsider10 percent owner | 21.89% | 10.94M | filed Jan 20, 2026 |
BlackRock, Inc.Institution | 12.60% | 6.30M | as of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 7.75% | 3.87M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.90% | 2.45M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.31% | 2.15M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 15, 2026 | Lynn J. Joyce | officer: Chief Accounting Officer | −7,000 | $59.03 |
| Jan 15, 2026 | James Austin McPherson | 10 percent owner | −8,500 | $60.06 |
| Dec 11, 2025 | Agenia Clark | director | −1,210 | $59.18 |
| Oct 17, 2025 | Agenia Clark | director | −1,345 | $52.18 |
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Alabama commercial-bank peer close to FBK's balance-sheet scale
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FB Financial | $52.94 | −0.49% | $2.74B | 14.2 | 10.8 | 2.6 | +18.5% |
| Pinnacle Financial Partners | $94.52 | −0.08% | $14.28B | 11.6 | 8.7 | 2.9 | +145.2% |
| First Horizon | $23.39 | +0.21% | $11.08B | 11.2 | 10.8 | 2.4 | +9.9% |
| Regions Financial | $27.70 | −0.75% | $23.82B | 11.4 | 10.2 | 2.5 | +2.2% |
| Truist Financial | $47.77 | −0.62% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| SouthState | $102.16 | −0.21% | $9.93B | 10.8 | 10.5 | 3.1 | +1.2% |
| United Community Banks | $34.09 | −0.29% | $4.09B | 11.2 | 10.8 | 2.6 | +9.8% |
| ServisFirst Bancshares | $41.70 | −0.12% | $4.56B | 14.2 | 12.2 | 4.4 | +27.6% |
| Bank OZK | $46.91 | −0.23% | $5.13B | 7.8 | 8.2 | 1.9 | +1.8% |
| Median | 11.3 | 10.3 | 2.6 | +8.2% |