FBKFB Financial Corporation

$3B

Q3 2024 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$169M-7.0% YoY

Gross Profit

$88M51.8% margin

Operating Income

$11M6.7% margin

Net Income

$10M6.0% margin

EPS (Diluted)

$0.22

QoQ Revenue Growth

-16.7%

Cash Flow

Operating Cash Flow

$48M

Free Cash Flow

$47M

Stock-Based Comp.

$2M

Balance Sheet

Total Assets

$12.9B

Total Liabilities

$11.4B

Stockholders' Equity

$1.6B

Cash & Equivalents

$854M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$169M	$182M	-7.0%
Gross Profit	$88M	$106M	-17.5%
Operating Income	$11M	$23M	-50.8%
Net Income	$10M	$19M	-46.7%

Revenue Segments

Mortgage Banking

$12M54%

Investment Advisory, Management and Administrative Service

$4M17%

Deposit Account

$3M16%

Debit Card

$3M13%

FBK Q3 2024 Earnings — FB Financial Corporation Revenue & Financial Results | Market Cap Arena