Shares of FB Financial Corp. struggled to gain traction on Friday despite the company reporting what it feels are strong fourth-quarter results during its Thursday earnings call and announcing an 11 percent increase in its quarterly dividend.
Chris Holmes
Photo: FirstBank
For the quarter ended December 2025, the Nashville-based regional bank reported earnings of $57 million.
Adjusted earnings per share exceeded Wall Street expectations at $1.16, compared to $0.85 for the same quarter of the previous year.
For the year, the company reported a profit of $122.6 million, or $2.45 per share. Revenue was reported as $560 million.
On Thursday, the company announced its board of directors declared a quarterly cash dividend of $0.21 per share, a $0.02 per share increase from the prior quarterly dividend.
The dividend is payable on Feb. 24 to shareholders of record as of Feb. 10.
FB Financial President and CEO Chris Holmes said in a release the increased dividend is a direct result of strong operating performance supported by the company’s growth.
“Our board’s decision to pay our 32nd consecutive dividend and to increase the dividend this quarter by 11 percent reflects FB Financial’s consistent track record of returning value to shareholders,” Holmes said.
During the call, Holmes said the company is seeing growth in both its financial assets and its capabilities. He noted that the highlights of the year include the company’s merger with Alabama-based Southern States Bancshares Inc., in a deal valued at about $380 million (read here), and its leadership reorganization.
In October 2025, Michael Mettee was named chief operating officer and chief financial officer, and Scott Tansil was named chief business and operations officer.
Holmes said results from the company’s organic growth in loans and deposits were the only notable area of underperformance in 2025, with that due to a combination of economic conditions, some distractions from the acquisition and some related organizational changes.
Still, Holmes said he is pleased with the company’s results and efforts, and “very bullish on the year ahead.”
“In the past year, we executed on an acquisition in record time, we grew our talent base by adding new associates across the company, and we reorganized leadership responsibilities,” Holmes said on the call. “We expect to see these actions pay off in 2026 and in and beyond.”
FB Financial Corp. (NYSE: FBK) operates through its wholly banking subsidiary, FirstBank in Tennessee, Kentucky, Alabama and Georgia. The company has approximately $16.3 billion in total assets and operates 90 full-service branches across its footprint.
FB shares were priced at $57.97 at publication time, down 4.57 percent (the equivalent drop of $2.78 per share). Volume has been light, with only 40,400 shares having changed hands, compared to a daily average of about 307,400, according to Yahoo Finance.
