The slight miss on earnings and revenue, coupled with declining net interest margin, suggests margin pressure may persist despite balance sheet growth. The share repurchase indicates confidence in valuation, but investors should monitor upcoming interest rate decisions and loan quality trends.
Price Chart
Executive Summary
FBK reported Q1 2026 earnings with EPS of $1.10 (vs. $1.11 consensus), missing estimates by 0.9%, while revenue of $172.3M fell short of $174.9M consensus. Net interest margin declined to 3.94% from 3.98% in Q4 2025, driven by lower asset yields despite lower funding costs. The bank maintained strong capital levels with a 9.91% tangible common equity ratio and repurchased 427,000 shares.
Key Financial Metrics
Key Facts
- Q1 2026 EPS of $1.10 missed $1.11 consensus by 0.9%
- Revenue of $172.3M fell short of $174.9M consensus
- Net interest margin declined to 3.94% from 3.98% in Q4 2025
- Loans HFI grew to $12.50B from $12.38B in Q4 2025
- Deposits increased to $14.08B from $13.91B in Q4 2025
- Tangible common equity to tangible assets ratio at 9.91%
- Repurchased 427,000 shares during the quarter
Financial Impact
EPS miss of $0.01, revenue miss of $2.6M
Risk Factors
- Declining net interest margin
- Interest rate risk
- Competition for deposits
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 8 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001649749-26-000033 |
| Document: a1q26pressreleasetablesfor.htm | 0001649749-26-000033 |
| Document: a1q26fbkearningspresenta.htm | 0001649749-26-000033 |
| Document: fbk-20260413.htm | 0001649749-26-000033 |
| Document: 0001649749-26-000033-index-headers.html | 0001649749-26-000033 |
| Document: 0001649749-26-000033-index.html | 0001649749-26-000033 |
| Document: 0001649749-26-000033.txt | 0001649749-26-000033 |
| 8-K Data (Synthetic) | 0001649749-26-000033 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 4d ago | Insider Buy | $53.62 $53.46 | ▼ −0.30% | ▲ +0.22% | $54.03 (+0.76%) |
Oct 13, 2026 13d ago | 8-K | $50.72 $50.38 | ▼ −0.67% | ▲ +0.41% | $54.03 (+6.52%) |
Sep 21, 2026 5w ago | 424B5 | $53.60 $53.20 | ▼ −0.75% | ▼ −0.73% | $54.03 (+0.79%) |
Sep 21, 2026 5w ago | 8-K | $53.60 $53.20 | ▼ −0.75% | ▼ −0.73% | $54.03 (+0.79%) |
Sep 17, 2026 5w ago | 8-K | $53.50 $53.36 | ▼ −0.26% | ▼ −0.14% | $54.03 (+0.98%) |
Jul 15, 2026 14w ago | 144 | $60.42 $59.96 | ▼ −0.76% | ▲ +0.23% | $54.03 (−10.58%) |
May 13, 2026 23w ago | 8-K | $51.75 $51.30 | ▼ −0.87% | ▲ +0.36% | $54.03 (+4.40%) |
Apr 13, 2026 27w ago | 8-K | $54.48 $54.21 | ▼ −0.50% | ▼ −1.27% | $54.03 (−0.84%) |
US Market Status
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