FB Financial (FBK) Reports Q2 Earnings: What Key Metrics Have to Say

FB Financial (FBK) reported $137.41 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 7.2%. EPS of $0.88 for the same period compares to $0.84 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $135.28 million, representing a surprise of +1.58%. The company delivered an EPS surprise of -1.12%, with the consensus EPS estimate being $0.89.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:Efficiency Ratio: 56.9% versus the three-analyst average estimate of 57.3%.Net Interest Margin: 3.7% compared to the 3.6% average estimate based on three analysts.Average Earning Assets: $12.24 billion versus the two-analyst average estimate of $12.57 billion.Net Charge-offs during the period to Average Loans outstanding: 0% compared to the 0.1% average estimate based on two analysts.Mortgage banking income: $13.03 million versus the three-analyst average estimate of $12.8 million.Total Noninterest income: $26 million compared to the $24.69 million average estimate based on three analysts.Net interest income (tax-equivalent basis): $112.24 million compared to the $111.95 million average estimate based on two analysts.Other Income: $2.54 million versus $2.25 million estimated by two analysts on average.Service charges on deposit accounts: $3.39 million versus $3.46 million estimated by two analysts on average.Net Interest Income: $111.42 million versus the two-analyst average estimate of $111.61 million.ATM and interchange fees: $2.88 million versus the two-analyst average estimate of $2.83 million.Investment services and trust income: $3.92 million versus the two-analyst average estimate of $3.63 million.View all Key Company Metrics for FB Financial here>>>Shares of FB Financial have returned +11.6% over the past month versus the Zacks S&P 500 composite's +4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.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