FB Financial Corporation (FBK)

FB Financial Corp.'s stock price has increased by 23.16% in the past six months. The closing of its merger with Southern States Bancshares, Inc. on July 1, 2025, contributed to increases in loans and deposits in Q3 2025. The company reported strong third-quarter 2025 financial results on October 14, 2025, with adjusted diluted earnings per share of $1.07 and an increase in total assets to approximately $16.2 billion. A regular quarterly dividend of $0.19 per share was declared, paid on November 25, 2025. On September 15, 2025, a $150 million common stock repurchase authorization was announced. James W. Ayers acquired 2,000 shares in February 2025. Analysts have upgraded the stock to "Buy" and maintained "Overweight" recommendations in December 2025. The company is projected to post its Q4 2025 earnings on January 21, 2026.

The banking industry experiences seasonal patterns in demand for its products and services, with loan demand typically seeing annual lows in late January and February, followed by an increase through July, peaking in August or September, and then decreasing until December. This seasonality is influenced by fluctuations in interest rates and the spring home-buying season. Demand for credit increases in the second half of the year, particularly during festive and wedding seasons. FB Financial Corp.'s products and services are subject to these general banking industry seasonal trends.

FB Financial Corp. is a Tennessee-based bank holding company operating through its subsidiary, FirstBank, offering financial services to individuals, small businesses, and commercial clients. The company provides deposit products, commercial lending, mortgage services, treasury and cash management, equipment financing, letters of credit, trust and fiduciary services, financial planning, investment management, and retirement solutions. The business operates in Banking and Mortgage segments, with the Banking segment generating the majority of revenue.

FB Financial Corp. has a significant geographic footprint across the southeastern United States, operating through FirstBank with a network of full-service branches and ATMs in Tennessee, Kentucky, Alabama, and Georgia. As of September 30, 2025, the company had approximately 91 full-service bank branches, expanding to 93 following the merger with Southern States Bancshares, Inc. on July 1, 2025.

While specific details regarding brand reputation are not directly available, FB Financial Corp.'s financial performance and analyst sentiment offer indirect insights. The company has demonstrated operational strength, reporting adjusted diluted earnings per share significantly beating analyst consensus and growing total assets following a major merger in 2025. The company has received a consensus rating of "Moderate Buy" from analysts, contributing to a strong corporate reputation within the financial community.

FB Financial Corp. is a publicly traded financial holding company with ownership distributed among institutional, insider, and individual shareholders. Institutional investors hold approximately 73% ownership as of January 2, 2026, with major holders including BlackRock, Inc., T. Rowe Price Group, Inc., The Vanguard Group, Inc., State Street Global Advisors, Inc., and JPMorgan Chase & Co. The Estate of James W. Ayers is a substantial individual shareholder, holding 13% of shares outstanding as of January 2, 2026, and 13.19% as of November 17, 2025. Other insiders owning company stock include CEO Christopher T. Holmes, Orrin H. Ingram II, James W. Iv Cross, and Raja J. Jubran.