Reports Q4 Diluted EPS of $0.63, Adjusted
Diluted EPS* of $0.77
FB Financial Corporation (the “Company”) (NYSE: FBK), parent
company of FirstBank, reported net income of $29.4 million, or
$0.63 per diluted common share, for the fourth quarter of 2023,
compared to $0.41 in the previous quarter and $0.81 in the fourth
quarter of last year. Adjusted net income* was $36.2 million, or
$0.77 per diluted common share, compared to $0.71 in the previous
quarter and $0.85 in the fourth quarter of last year.
The Company’s loans held for investment (“HFI”) grew to $9.41
billion, or 5.19% annualized, as of the end of the fourth quarter
compared to $9.29 billion as of the end of the previous quarter and
$9.30 billion as of the end of the fourth quarter last year.
Deposits were $10.55 billion as of December 31, 2023, compared to
$10.64 billion as of September 30, 2023, and $10.86 billion as of
December 31, 2022. Net interest margin (“NIM”) increased to 3.46%
for the fourth quarter of 2023 compared to 3.42% in the prior
quarter and 3.78% in the fourth quarter of 2022. The Company ended
the quarter with book value per common share of $31.05 and tangible
book value per common share* of $25.69, representing a 23.6% and
29.2% annualized increase respectively from the previous
quarter.
President and Chief Executive Officer, Christopher T. Holmes
stated, “The Company continues to execute well in key initiatives
of limiting balance sheet risk, improving profitability and
enhancing operations. We have had success growing core banking
relationships, improving net interest margin and reducing expenses
while improving our risk profile by managing credit concentrations,
all during what was a difficult banking year. Our success in 2023
has prepared us to deal with potential economic challenges, and at
the same time, has positioned us to take advantage of
opportunities.”
Annualized
(dollars in thousands, except share
data)
Dec 2023
Sep 2023
Dec 2022
Dec 23 / Sep 23 %
Change
Dec 23 / Dec 22 %
Change
Balance Sheet
Highlights
Investment securities, at fair value
$
1,471,973
$
1,351,153
$
1,474,176
35.5
%
(0.15
)%
Loans held for sale
67,847
103,858
139,451
(137.6
)%
(51.3
)%
Loans HFI
9,408,783
9,287,225
9,298,212
5.19
%
1.19
%
Allowance for credit losses on loans
HFI
150,326
146,134
134,192
11.4
%
12.0
%
Allowance for credit losses on unfunded
commitments
8,770
11,600
22,969
(96.8
)%
(61.8
)%
Total assets
12,604,403
12,489,631
12,847,756
3.65
%
(1.89
)%
Interest-bearing deposits
(non-brokered)
8,179,430
8,105,713
8,178,453
3.61
%
—
%
Brokered deposits
150,475
174,920
750
(55.4
)%
NM
Noninterest-bearing deposits
2,218,382
2,358,435
2,676,631
(23.6
)%
(17.1
)%
Total deposits
10,548,287
10,639,068
10,855,834
(3.39
)%
(2.83
)%
Borrowings
390,964
226,689
415,677
287.5
%
(5.95
)%
Total common shareholders' equity
1,454,794
1,372,901
1,325,425
23.7
%
9.76
%
Book value per common share
$
31.05
$
29.31
$
28.36
23.6
%
9.49
%
Tangible book value per common share*
$
25.69
$
23.93
$
22.90
29.2
%
12.2
%
Total common shareholders' equity to total
assets
11.5
%
11.0
%
10.3
%
Tangible common equity to tangible
assets*
9.74
%
9.16
%
8.50
%
*Non-GAAP financial measure; A
reconciliation of each of these non-GAAP measures to the most
directly comparable GAAP measure is included in the Company's
Fourth Quarter 2023 Financial Supplement.
NM- Not meaningful
Three Months Ended
(dollars in thousands, except share
data)
Dec 2023
Sep 2023
Dec 2022
Statement of
Income Highlights
Net interest income
$
101,088
$
100,926
$
110,498
NIM
3.46
%
3.42
%
3.78
%
Noninterest income
$
15,339
$
8,042
$
17,469
Gain (loss) from securities, net
$
183
$
(14,197
)
$
25
Loss from changes in fair value of
commercial loans held for sale acquired in previous
business combinations
$
(3,009
)
$
(7
)
$
(2,562
)
Total revenue
$
116,427
$
108,968
$
127,967
Noninterest expense
$
80,200
$
82,997
$
80,230
Early retirement and severance costs
$
2,214
$
4,809
$
—
Loss on lease terminations
$
1,843
$
—
$
—
FDIC special assessment
$
1,788
$
—
$
—
Efficiency ratio
68.9
%
76.2
%
62.7
%
Core efficiency ratio*
61.7
%
63.1
%
61.0
%
Pre-tax, pre-provision earnings
$
36,227
$
25,971
$
47,737
Adjusted pre-tax, pre-provision
earnings*
$
45,390
$
44,869
$
50,526
Provisions for credit losses
$
305
$
2,821
$
(456
)
Net (recoveries) charge-off ratio
(0.04
)%
0.02
%
0.02
%
Net income applicable to FB Financial
Corporation
$
29,369
$
19,175
$
38,143
Diluted earnings per common share
$
0.63
$
0.41
$
0.81
Effective tax rate
18.2
%
17.2
%
20.8
%
Adjusted net income*
$
36,152
$
33,148
$
40,213
Adjusted diluted earnings per common
share*
$
0.77
$
0.71
$
0.85
Weighted average number of shares
outstanding - fully diluted
46,916,939
46,856,422
47,036,742
Returns on
average:
Return on average total assets
0.94
%
0.61
%
1.22
%
Adjusted*
1.15
%
1.05
%
1.28
%
Return on average shareholders' equity
8.41
%
5.46
%
11.7
%
Return on average tangible common
equity*
10.3
%
6.67
%
14.6
%
Adjusted*
12.9
%
11.8
%
15.6
%
*Non-GAAP financial measure; A
reconciliation of each of these non-GAAP measures to the most
directly comparable GAAP measure is included in the Company's
Fourth Quarter 2023 Financial Supplement.
Balance Sheet and Net Interest
Margin
The Company reported loans HFI of $9.41 billion at the end of
the fourth quarter of 2023 compared to $9.29 billion from the end
of the prior quarter. As construction projects transitioned to
permanent financing, construction loans declined by $135.0 million
which contributed to multifamily and non-owner occupied commercial
real estate balance increases of $102.5 million and $31.6 million,
respectively. The net loan growth primarily resulted from increases
in commercial and industrial of $52.9 million and owner-occupied
commercial real estate of $25.7 million. The contractual yield on
loans HFI increased to 6.43% for the fourth quarter of 2023 from
6.32% for the previous quarter.
The Company reported total deposits of $10.55 billion at the end
of the fourth quarter of 2023 compared to $10.64 billion at the end
of the third quarter. The Company's total cost of deposits
increased to 2.65% during the fourth quarter from 2.58% for the
third quarter of 2023, and the cost of interest-bearing deposits
increased to 3.40% from 3.33% for the same periods.
Noninterest-bearing deposits were $2.22 billion at the end of the
quarter compared to $2.36 billion at the end of third quarter of
2023. The decrease includes a reduction in mortgage escrow deposits
of $59.1 million.
The Company’s net interest income on a tax equivalent basis
increased slightly for the fourth quarter of 2023 to $101.9 million
compared to $101.8 million in the prior quarter. NIM expanded to
3.46% for the fourth quarter of 2023 from 3.42% for the previous
quarter as the increase in contractual yield on loans HFI outpaced
the increase in the cost of interest-bearing deposits from the
third quarter to the fourth quarter.
Holmes continued, “We were able to expand net interest margin
during the quarter with prudent loan growth while continuing to
reduce the risk profile of the balance sheet. We are encouraged by
the increases that we achieved in both net interest income and net
interest margin. Our team is focused on expanding existing
relationships and developing new relationships in order to grow
customer deposits at a reasonable customer value proposition.”
Noninterest Income
Core noninterest income* was $18.7 million for the fourth
quarter of 2023, compared to $22.1 million and $20.3 million for
the third quarter of 2023 and fourth quarter of 2022, respectively.
These amounts reflect adjustments of a $3.0 million loss for
changes in fair value on commercial loans held for sale, a $492
thousand loss on sales or write-downs of other real estate owned
and other assets and a $183 thousand gain from securities in the
fourth quarter 2023 compared to a $7 thousand loss for changes in
fair value on commercial loans held for sale, a $115 thousand gain
on sales or write-downs of other real estate owned and other assets
and a $14.2 million loss from securities in the previous
quarter.
The Company completed the exit of the commercial loans held for
sale portfolio acquired in the Franklin Financial Network
transaction after exiting the final relationship during the fourth
quarter, resulting in a charge of $3.0 million in the quarter and a
net gain of $7.2 million over the life of this portfolio.
Mortgage banking income remains subdued in the higher interest
rate environment as the Company recognized revenue of $8.4 million
in the fourth quarter of 2023 compared with $12.0 million in the
previous quarter and $9.1 million in the fourth quarter of
2022.
Expense Management
Core noninterest expense* during the fourth quarter of 2023 was
$74.4 million compared to $78.2 million for the prior quarter and
$80.2 million for the fourth quarter of 2022. These amounts reflect
adjustments of $2.2 million for early retirement and severance
costs, $1.8 million of loss on lease terminations and $1.8 million
for the Federal Deposit Insurance Corporation ("FDIC") special
assessment recognized in the fourth quarter of 2023 compared to
$4.8 million for early retirement and severance costs in the prior
quarter. During the fourth quarter of 2023, the Company's core
efficiency ratio* was 61.7%, compared to 63.1% in the previous
quarter and 61.0% in the fourth quarter of 2022. Core banking
noninterest expense* was $63.7 million for the quarter, compared to
$66.2 million in the prior quarter.
Chief Financial Officer, Michael Mettee noted, “The Company
continued to lower our expense run rate during the quarter. Expense
discipline continues to be a management focus even as we look to
efficiently scale our operational platform.”
Credit Quality
The Company recorded a provision expense of $3.1 million during
the fourth quarter related to loans HFI; it also recorded a
provision reversal of $2.8 million on unfunded loan commitments,
resulting in a net provision expense of $0.3 million. Given the
range of economic forecasts for the coming quarters, the Company
continued managing its exposure in unfunded commitments in
construction and land development lower, ending the year with
$725.9 million of exposure, which is a reduction from the previous
quarter of $196.4 million and a reduction for the year of $913.2
million. The Company had an allowance for credit losses on loans
HFI as of the end of the fourth quarter of 2023 of $150.3 million,
representing 1.60% of loans HFI compared to $146.1 million, or
1.57% of loans HFI as of September 30, 2023.
The Company experienced net recoveries of $1.1 million in the
fourth quarter of 2023, representing annualized net recoveries of
0.04% of average loans HFI for the quarter compared to annualized
net charge-offs of 0.02% in both the third quarter of 2023 and
fourth quarter of 2022. For the year ended December 31, 2023, the
Company experienced annualized net charge-offs of $0.6 million
representing net charge-offs of 0.01% of average loans HFI,
compared to annualized net charge-offs of 0.02% for the year ended
December 31, 2022.
The Company's nonperforming loans HFI as a percentage of total
loans HFI increased to 0.65% as of the end of the fourth quarter of
2023 compared to 0.59% at the previous quarter-end and 0.49% at the
end of the fourth quarter of 2022. The increase was primarily due
to two commercial and industrial relationships moving to
nonaccrual. Nonperforming assets as a percentage of total assets
decreased to 0.69% as of the end of the fourth quarter of 2023
compared to 0.71% at the end of the prior quarter and 0.68% as of
the end of the fourth quarter of 2022.
Holmes commented, “The Company had net recoveries for the
quarter, demonstrating our resolve to work with customers for
positive outcomes. We also modestly increased our allowance for
credit losses, remaining cautious on our economic outlook. However,
our local economies have continued performing well, migration into
our markets continues at a healthy pace, and we are cautiously
optimistic as we look forward into the coming year.”
Capital Strength
Holmes continued, “We continue to build on our already strong
capital position growing tangible common equity to tangible assets*
to a solid 9.74% and Common Equity Tier 1 to 12.2%. Our capital
levels provide flexibility as we enter 2024 in a position of
strength.
Summary
Holmes finalized, “While 2023 was a challenging year for the
banking industry, I am proud of our team's management of credit,
capital and liquidity while also taking care of our customers. We
have executed in a difficult operating environment and positioned
the Company to capitalize on future opportunities.”
_______________________ *Non-GAAP financial measure; A
reconciliation of each of these non-GAAP measures to the most
directly comparable GAAP measure is included in the Company's
Fourth Quarter 2023 Financial Supplement.
WEBCAST AND CONFERENCE CALL INFORMATION
FB Financial Corporation will host a conference call to discuss
the Company's financial results on January 16, 2024, at 8:00 a.m.
(Central Time). To listen to the call, participants should dial
1-877-883-0383 (confirmation code 1010003) approximately 10 minutes
prior to the call. A telephonic replay will be available
approximately two hours after the call through January 23, 2024, by
dialing 1-877-344-7529 and entering confirmation code 8306498.
A live online broadcast of the Company’s quarterly conference
call will be available online at
https://event.choruscall.com/mediaframe/webcast.html?webcastid=3uK1Ur6B.
An online replay will be available on the Company’s website
approximately two hours after the conclusion of the call and will
remain available for 12 months.
ABOUT FB FINANCIAL CORPORATION
FB Financial Corporation (NYSE: FBK) is a financial holding
company headquartered in Nashville, Tennessee. FB Financial
Corporation operates through its wholly owned banking subsidiary,
FirstBank with 81 full-service bank branches across Tennessee,
Kentucky, Alabama and North Georgia, and mortgage offices across
the Southeast. FB Financial Corporation has approximately $12.60
billion in total assets.
SUPPLEMENTAL FINANCIAL INFORMATION AND EARNINGS
PRESENTATION
Investors are encouraged to review this Earnings Release in
conjunction with the Fourth Quarter 2023 Financial Supplement and
Earnings Presentation posted on the Company’s website, which can be
found at https://investors.firstbankonline.com. This Earnings
Release, the Fourth Quarter 2023 Financial Supplement and the
Earnings Presentation are also included with a Current Report on
Form 8-K that the Company furnished to the U.S. Securities and
Exchange Commission (“SEC”) on January 16, 2024.
FORWARD-LOOKING STATEMENTS
Certain statements contained in this Earnings Release that are
not historical in nature may be considered forward-looking
statements within the meaning of the Private Securities Litigation
Reform Act of 1995. These forward-looking statements include,
without limitation, statements regarding the Company’s future
plans, results, strategies, and expectations, including
expectations around changing economic markets. These statements can
generally be identified by the use of the words and phrases “may,”
“will,” “should,” “could,” “would,” “goal,” “plan,” “potential,”
“estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,”
“target,” “aim,” “predict,” “continue,” “seek,” and other
variations of such words and phrases and similar expressions. These
forward-looking statements are not historical facts, and are based
upon management's current expectations, estimates, and projections,
many of which, by their nature, are inherently uncertain and beyond
the Company’s control. The inclusion of these forward-looking
statements should not be regarded as a representation by the
Company or any other person that such expectations, estimates, and
projections will be achieved. Accordingly, the Company cautions
shareholders and investors that any such forward-looking statements
are not guarantees of future performance and are subject to risks,
assumptions, and uncertainties that are difficult to predict.
Actual results may prove to be materially different from the
results expressed or implied by the forward-looking statements. A
number of factors could cause actual results to differ materially
from those contemplated by the forward-looking statements
including, without limitation, (1) current and future economic
conditions, including the effects of inflation, interest rate
fluctuations, changes in the economy or global supply chain,
supply-demand imbalances affecting local real estate prices, and
high unemployment rates in the local or regional economies in which
the Company operates and/or the US economy generally, (2) changes
in government interest rate policies and its impact on the
Company’s business, net interest margin, and mortgage operations,
(3) any continuation of the recent turmoil in the banking industry,
including the associated impact to the Company and other financial
institutions of any regulatory changes or other mitigation efforts
taken by government agencies in response, (4) increased competition
for deposits, (5) the Company’s ability to effectively manage
problem credits, (6) any deterioration in commercial real estate
market fundamentals, (7) the Company’s ability to identify
potential candidates for, consummate, and achieve synergies from,
potential future acquisitions, (8) the Company’s ability to
successfully execute its various business strategies, (9) changes
in state and federal legislation, regulations or policies
applicable to banks and other financial service providers,
including legislative developments, (10) the effectiveness of the
Company’s cybersecurity controls and procedures to prevent and
mitigate attempted intrusions, (11) the Company's dependence on
information technology systems of third party service providers and
the risk of systems failures, interruptions, or breaches of
security, and (12) the impact of natural disasters, pandemics,
and/or acts of war or terrorism, (13) events giving rise to
international or regional political instability, including the
broader impacts of such events on financial markets and/or global
macroeconomic environments, and (14) general competitive, economic,
political, and market conditions. Further information regarding the
Company and factors which could affect the forward-looking
statements contained herein can be found in the Company’s Annual
Report on Form 10-K for the fiscal year ended December 31, 2022,
and in any of the Company’s subsequent filings with the SEC. Many
of these factors are beyond the Company’s ability to control or
predict. If one or more events related to these or other risks or
uncertainties materialize, or if the underlying assumptions prove
to be incorrect, actual results may differ materially from the
forward-looking statements. Accordingly, shareholders and investors
should not place undue reliance on any such forward-looking
statements. Any forward-looking statement speaks only as of the
date of this Earnings Release, and the Company undertakes no
obligation to publicly update or review any forward-looking
statement, whether as a result of new information, future
developments or otherwise, except as required by law. New risks and
uncertainties may emerge from time to time, and it is not possible
for the Company to predict their occurrence or how they will affect
the Company.
The Company qualifies all forward-looking statements by these
cautionary statements.
GAAP RECONCILIATION AND USE OF NON-GAAP FINANCIAL
MEASURES
This Earnings Release contains certain financial measures that
are not measures recognized under U.S. generally accepted
accounting principles (“GAAP”) and therefore are considered
non-GAAP financial measures. These non-GAAP financial measures may
include, without limitation, adjusted net income, adjusted diluted
earnings per common share, adjusted and unadjusted pre-tax
pre-provision earnings, core revenue, core noninterest expense and
core noninterest income, core efficiency ratio (tax equivalent
basis), and adjusted return on average assets and equity. Each of
these non-GAAP metrics excludes certain income and expense items
that the Company’s management considers to be non-core/adjusted in
nature. The Company refers to these non-GAAP measures as adjusted
(or core) measures. Also, the Company presents tangible assets,
tangible common equity, tangible book value per common share,
tangible common equity to tangible assets, return on average
tangible common equity, and adjusted return on average tangible
common equity. Each of these non-GAAP metrics excludes the impact
of goodwill and other intangibles.
The Company’s management uses these non-GAAP financial measures
in their analysis of the Company’s performance, financial condition
and the efficiency of its operations as management believes such
measures facilitate period-to-period comparisons and provide
meaningful indications of its operating performance as they
eliminate both gains and charges that management views as
non-recurring or not indicative of operating performance.
Management believes that these non-GAAP financial measures provide
a greater understanding of ongoing operations and enhance
comparability of results with prior periods as well as demonstrate
the effects of significant non-core gains and charges in the
current and prior periods. The Company’s management also believes
that investors find these non-GAAP financial measures useful as
they assist investors in understanding the Company’s underlying
operating performance and in the analysis of ongoing operating
trends. In addition, because intangible assets such as goodwill and
the other items excluded each vary extensively from company to
company, the Company believes that the presentation of this
information allows investors to more easily compare the Company’s
results to the results of other companies. However, the non-GAAP
financial measures discussed herein should not be considered in
isolation or as a substitute for the most directly comparable or
other financial measures calculated in accordance with GAAP.
Moreover, the manner in which the Company calculates the non-GAAP
financial measures discussed herein may differ from that of other
companies reporting measures with similar names. Investors should
understand how such other banking organizations calculate their
financial measures with names similar to the non-GAAP financial
measures the Company has discussed herein when comparing such
non-GAAP financial measures.
A reconciliation of these measures to the most directly
comparable GAAP financial measures is included in the Company's
Fourth Quarter 2023 Financial Supplement, which is available at
https://investors.firstbankonline.com.
Financial Summary and Key
Metrics
(Unaudited)
(dollars in thousands, except
share data)
As of or for the Three Months
Ended
Dec 2023
Sep 2023
Dec 2022
Selected Statement of Income
Data
Total interest income
$
174,835
$
173,912
$
147,598
Total interest expense
73,747
72,986
37,100
Net interest income
101,088
100,926
110,498
Total noninterest income
15,339
8,042
17,469
Total noninterest expense
80,200
82,997
80,230
Earnings before income taxes and
provisions for credit losses
36,227
25,971
47,737
Provisions for (reversals of) credit
losses
305
2,821
(456
)
Income tax expense
6,545
3,975
10,042
Net income applicable to noncontrolling
interest
8
—
8
Net income applicable to FB Financial
Corporation
$
29,369
$
19,175
$
38,143
Net interest income (tax-equivalent
basis)
$
101,924
$
101,762
$
111,279
Adjusted net income*
$
36,152
$
33,148
$
40,213
Adjusted pre-tax, pre-provision
earnings*
$
45,390
$
44,869
$
50,526
Per Common Share
Diluted net income
$
0.63
$
0.41
$
0.81
Adjusted diluted net income*
0.77
0.71
0.85
Book value
31.05
29.31
28.36
Tangible book value*
25.69
23.93
22.90
Weighted average number of shares
outstanding - fully diluted
46,916,939
46,856,422
47,036,742
Period-end number of shares
46,848,934
46,839,159
46,737,912
Selected Balance Sheet Data
Cash and cash equivalents
$
810,932
$
848,318
$
1,027,052
Loans HFI
9,408,783
9,287,225
9,298,212
Allowance for credit losses on loans
HFI
(150,326
)
(146,134
)
(134,192
)
Allowance for credit losses on unfunded
commitments
(8,770
)
(11,600
)
(22,969
)
Mortgage loans held for sale
67,847
94,598
108,961
Commercial loans held for sale, at fair
value
—
9,260
30,490
Investment securities, at fair value
1,471,973
1,351,153
1,474,176
Total assets
12,604,403
12,489,631
12,847,756
Interest-bearing deposits
(non-brokered)
8,179,430
8,105,713
8,178,453
Brokered deposits
150,475
174,920
750
Noninterest-bearing deposits
2,218,382
2,358,435
2,676,631
Total deposits
10,548,287
10,639,068
10,855,834
Borrowings
390,964
226,689
415,677
Total common shareholders' equity
1,454,794
1,372,901
1,325,425
Selected Ratios
Return on average:
Assets
0.94
%
0.61
%
1.22
%
Shareholders' equity
8.41
%
5.46
%
11.7
%
Tangible common equity*
10.3
%
6.67
%
14.6
%
Net interest margin (tax-equivalent
basis)
3.46
%
3.42
%
3.78
%
Efficiency ratio
68.9
%
76.2
%
62.7
%
Core efficiency ratio (tax-equivalent
basis)*
61.7
%
63.1
%
61.0
%
Loans HFI to deposit ratio
89.2
%
87.3
%
85.7
%
Noninterest-bearing deposits to total
deposits
21.0
%
22.2
%
24.7
%
Yield on interest-earning assets
5.96
%
5.87
%
5.04
%
Cost of interest-bearing liabilities
3.47
%
3.41
%
1.84
%
Cost of total deposits
2.65
%
2.58
%
1.20
%
Credit Quality Ratios
Allowance for credit losses on loans HFI
as a percentage of loans HFI
1.60
%
1.57
%
1.44
%
Net (recoveries) charge-offs as a
percentage of average loans HFI
(0.04
)%
0.02
%
0.02
%
Nonperforming loans HFI as a percentage of
loans HFI
0.65
%
0.59
%
0.49
%
Nonperforming assets as a percentage of
total assets
0.69
%
0.71
%
0.68
%
Preliminary Capital Ratios
(consolidated)
Total common shareholders' equity to
assets
11.5
%
11.0
%
10.3
%
Tangible common equity to tangible
assets*
9.74
%
9.16
%
8.50
%
Tier 1 risk-based capital
12.5
%
12.1
%
11.3
%
Common equity Tier 1
12.2
%
11.8
%
11.0
%
*Non-GAAP financial measure; A
reconciliation of each of these non-GAAP measures to the most
directly comparable GAAP measure is included in the Company's
Fourth Quarter 2023 Financial Supplement.
FBK - ER
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version on businesswire.com: https://www.businesswire.com/news/home/20240116202887/en/
MEDIA CONTACT: Jeanie M. Rittenberry 615-313-8328
jrittenberry@firstbankonline.com www.firstbankonline.com
FINANCIAL CONTACT: Michael Mettee 615-564-1212
mmettee@firstbankonline.com
investorrelations@firstbankonline.com
FB Financial (NYSE:FBK)
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