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Cash Flow Overview

Free Cash flow
$73,838K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of loans held...
    • Net increase in deposits
    • Net increase in short-term fhlb ...
    • Others
Negative Cash Flow Breakdown
    • Net change in loans
    • Originations of loans held for s...
    • Purchases
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income attributable to fb financial corporation and noncontrolling interest
58,657
57,526
56,985
23,375
Depreciation and amortization of fixed assets and software
3,079
3,143
3,234
3,185
Amortization of core deposit and other intangibles
1,804
1,869
1,932
2,079
Amortization of subordinated debt issuance costs and fair value premium, net
331
327
332
362
Capitalization of mortgage servicing rights
1,281
1,272
1,275
849
Net change in fair value of mortgage servicing rights
3,251
2,723
2,320
4,473
Stock-based compensation expense
1,276
5,361
5,741
3,754
Provision for credit losses on loans hfi
9,655
3,822
2,428
29,957
(reversal of) provision for credit losses on unfunded commitments
461
-798
-1,196
11,285
Provision for mortgage loan repurchases
55
-276
47
-138
(accretion) amortization of discounts and premiums on acquired loans, net
5,049
6,297
6,406
7,025
Accretion of premiums and discounts on securities, net
853
888
895
948
(gain) loss from investment securities, net
0
1
64
12
Originations of loans held for sale
346,899
325,403
367,462
370,287
Proceeds from sale of loans held for sale
387,329
307,313
346,594
357,143
Gain on sale and change in fair value of loans held for sale
8,389
9,525
9,919
10,038
Net loss on write-downs of premises and equipment, other real estate owned and other assets
-377
-320
-131
-646
Provision for deferred income taxes
-4,852
7,125
15
-6,242
Equity method investment loss
-473
-623
-626
-558
Earnings on bank-owned life insurance
700
1,456
1,852
717
Operating lease assets and liabilities, net
-478
-424
-322
104
Other assets and interest receivable
-16,758
9,210
-3,909
7,999
Accrued expenses and other liabilities
-5,884
-22,561
25,823
5,610
Net cash provided by operating activities
75,495
31,013
52,814
47,725
Sales
0
-
0
440
Maturities, prepayments and calls
72,698
60,126
83,180
83,204
Purchases
94,724
101,814
131,884
107,758
Purchases of equity securities
6,000
-
-
-
Proceeds from sales of equity securities
0
156
1,297
1,345
Net change in loans
361,359
117,557
82,531
152,742
Net redemptions of fhlb stock
-
-
2,406
-
Net purchases of fhlb stock
8,000
245
-
-871
Purchases of federal reserve stock
114
161
45,227
-
Purchases of premises and equipment
1,657
1,744
1,634
2,146
Proceeds from the sale of premises and equipment
0
0
0
0
Proceeds from the sale of other real estate owned
3,249
871
1,372
659
Purchase of equity method securities
-
-
0
0
Proceeds from the sale of other assets
802
430
1,779
176
Proceeds from bank-owned life insurance
0
2,837
3,361
0
Net cash acquired in business combinations
-
-
0
370,147
Net cash used in investing activities
-395,105
-157,107
-167,875
194,196
Net increase in deposits
270,331
166,874
97,006
-59,045
Net decrease in securities sold under agreements to repurchase and federal funds purchased
-23,968
-4,367
-7,621
96,055
Bank term funding program (repayments) advances
-
-
0
0
Net decrease in short-term fhlb advances
-
-
0
-
Redemptions on subordinated debt
-
-
0
130,930
Net increase in short-term fhlb advances
125,000
-
-
-
Stock-based compensation withholding payments
1,940
2,094
365
123
Net proceeds from sale of common stock under employee stock purchase program
0
509
0
473
Repurchase of common stock
84,202
21,835
87,901
23,867
Dividends paid on common stock
10,820
10,867
10,158
10,161
Dividend equivalent payments made upon vesting of equity compensation
189
258
30
19
Noncontrolling interest distribution
8
-
8
0
Net cash provided by financing activities
274,204
127,962
-9,077
-127,617
Net change in cash and cash equivalents
-45,406
1,868
-124,138
114,304
Cash and cash equivalents at beginning of the period
1,157,763
1,155,895
1,280,033
1,042,488
Cash and cash equivalents at end of the period
1,112,357
1,157,763
1,155,895
1,280,033
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$270,331K (40.04%↑ Y/Y)Net increase inshort-term fhlb advances$125,000K Proceeds from sale ofloans held for sale$387,329K (-38.78%↓ Y/Y)Net incomeattributable to fb financial...$58,657K (38.74%↑ Y/Y)Provision for creditlosses on loans hfi$9,655K (1100.87%↑ Y/Y)Net change in fairvalue of mortgage...$3,251K (-68.20%↓ Y/Y)Depreciation andamortization of fixed assets...$3,079K (-45.36%↓ Y/Y)Amortization of core depositand other...$1,804K (40.17%↑ Y/Y)Stock-based compensationexpense$1,276K (-83.67%↓ Y/Y)Equity methodinvestment loss-$473K (59.74%↑ Y/Y)(reversal of) provisionfor credit losses on...$461K Net loss onwrite-downs of premises and...-$377K (3.08%↑ Y/Y)Amortization of subordinateddebt issuance costs...$331K (70.62%↑ Y/Y)Net cash provided byfinancing activities$274,204K (116.39%↑ Y/Y)Net cash provided byoperating activities$75,495K (36.46%↑ Y/Y)Canceled cashflow$121,127K Canceled cashflow$391,198K Net change in cashand cash...-$45,406K (-136.84%↓ Y/Y)Canceled cashflow$349,699K Maturities, prepayments andcalls$72,698K (-46.01%↓ Y/Y)Proceeds from the sale ofother real estate...$3,249K (-26.36%↓ Y/Y)Proceeds from the sale ofother assets$802K (20.60%↑ Y/Y)Repurchase of common stock$84,202K (90.74%↑ Y/Y)Net decrease insecurities sold under...-$23,968K (-1058.99%↓ Y/Y)Dividends paid on commonstock$10,820K (-38.41%↓ Y/Y)Stock-based compensationwithholding payments$1,940K (-27.18%↓ Y/Y)Dividend equivalentpayments made upon...$189K (-34.15%↓ Y/Y)Noncontrolling interestdistribution$8K (0.00%↑ Y/Y)Originations of loans held forsale$346,899K (-46.01%↓ Y/Y)Other assets andinterest receivable-$16,758K (-1.05%↓ Y/Y)Gain on sale andchange in fair value of...$8,389K (-55.24%↓ Y/Y)Accrued expenses andother liabilities-$5,884K (82.60%↑ Y/Y)(accretion) amortization ofdiscounts and premiums on...$5,049K (8515.00%↑ Y/Y)Provision for deferredincome taxes-$4,852K (-464.26%↓ Y/Y)Capitalization of mortgageservicing rights$1,281K (-22.32%↓ Y/Y)Accretion of premiums anddiscounts on securities,...$853K (-30.93%↓ Y/Y)Earnings on bank-ownedlife insurance$700K (-19.72%↓ Y/Y)Operating lease assets andliabilities, net-$478K (10.82%↑ Y/Y)Provision for mortgageloan repurchases$55K (157.89%↑ Y/Y)Net cash used ininvesting activities-$395,105K (-571.92%↓ Y/Y)Canceled cashflow$76,749K Net change in loans$361,359K (29.17%↑ Y/Y)Purchases$94,724K (-47.91%↓ Y/Y)Net purchases offhlb stock$8,000K (812.20%↑ Y/Y)Purchases of equitysecurities$6,000K Purchases of premises andequipment$1,657K (-67.31%↓ Y/Y)Purchases of federalreserve stock$114K

FB Financial Corp (FBK)

FB Financial Corp (FBK)