FBK Earnings Prediction
The chart below shows how FBK performed 10 days before and after its earnings report, based on data from the past quarters. Typically, FBK sees a -2.09% change in stock price 10 days leading up to the earnings, and a +4.59% change 10 days following the report. On the earnings day itself, the stock moves by +0.83%. This data can give you a slight idea of what to expect for the next quarter's release.
FBK Key Earning Data
2024/Q4
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Gross Margin
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Operating Margin
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Net Margin
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FBK Earnings Analysis
FB Financial Corp Corporation (FBK.N) Earnings Conference Call
Positive
Earnings Per Share Increase: Earnings per share reported at $0.22, with adjusted earnings of $0.86 per share, reflecting a 21% year-over-year increase.
Tangible Book Value Growth: Tangible book value per share has grown at a compound annual growth rate of 12.9% since the IPO, indicating strong capital growth.
Effective Asset Utilization: Adjusted return on average assets was reported at 1.25%, showcasing effective asset utilization and profitability.
Loan and Deposit Growth: Loan growth was annualized at 7.2% and non-brokered deposit growth at 5.4%, demonstrating strong demand and customer retention.
Strong Capital Ratios: Capital ratios remain robust with a tangible common equity to tangible assets ratio of 10.4% and a CET1 ratio of 12.7%, ensuring financial stability.
Negative
Securities Trade Loss Impact: $40,000,000 pre-tax loss on securities trade, significantly impacting non-interest income, which reported a negative $16,500,000 after adjustments.
Rising Operational Costs: Non-interest expense increased to $76,200,000, up from $63,900,000 in Q3 2023, indicating rising operational costs despite efforts to manage expenses.
Credit Quality Concerns: Non-performing loans to loans held for investment increased to 0.96%, driven by two commercial credits and softness in consumer loans, suggesting potential credit quality concerns.
Construction Loan Decline: Construction loans outstanding declined by $120,000,000 this quarter, leading to a high construction and development concentration ratio of 69%, raising risk exposure in this segment.
Expense Growth Projections: Expectations for 4% to 5% expense growth in 2025 indicate ongoing cost pressures, which could impact profitability if not managed effectively.
FBK FAQs
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FBK Earning Call Sentiment
Earnings call transcript: FB Financial's Q4 2024 earnings beat EPS forecast
FBK.N
-2.27%Positive
The earnings call presents a mixed picture. The financial performance shows growth in adjusted EPS and net interest income, but net interest margin is slightly down. Market strategy and expansion introduce operational risks, and interest rate sensitivity poses challenges. The Q&A highlights concerns about deposit betas and credit quality, although management remains optimistic. Shareholder return plans lack buybacks or dividends, providing limited immediate value. Given the company's market cap and mixed signals, a neutral stock price movement is expected over the next two weeks.
