Compared to Estimates, FB Financial (FBK) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, FB Financial (FBK) reported revenue of $173.88 million, up 94.2% over the same period last year. EPS came in at $1.07, compared to $0.86 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $168.86 million, representing a surprise of +2.97%. The company delivered an EPS surprise of +3.88%, with the consensus EPS estimate being $1.03.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:Net Interest Margin: 4% compared to the 3.8% average estimate based on three analysts.Core Efficiency Ratio: 53.3% versus 54.9% estimated by two analysts on average.Average Earning Assets: $14.87 billion compared to the $14.82 billion average estimate based on two analysts.Net Charge-offs during the period to Average Loans outstanding: 0.1% versus the two-analyst average estimate of 0.1%.Mortgage banking income: $13.48 million compared to the $13.7 million average estimate based on three analysts.Total Noninterest income: $26.64 million versus $28.17 million estimated by three analysts on average.Net interest income (tax-equivalent basis): $148.09 million versus the two-analyst average estimate of $142.07 million.Other Income: $2.12 million versus the two-analyst average estimate of $3.17 million.Service charges on deposit accounts: $4.05 million versus the two-analyst average estimate of $3.43 million.Net Interest Income: $147.24 million versus $139.71 million estimated by two analysts on average.ATM and interchange fees: $3.39 million versus $2.91 million estimated by two analysts on average.Investment services and trust income: $4.23 million versus $4.04 million estimated by two analysts on average.View all Key Company Metrics for FB Financial here>>>Shares of FB Financial have returned +7.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks Names #1 Semiconductor StockThis under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report FB Financial Corporation (FBK): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks