FBK

FB Financial reported 11% annualized customer deposit growth in Q3 2026, demonstrating organic balance sheet expansion. The bank strategically uses mortgage originations to acquire high-value deposit relationships rather than focusing solely on fee income, with 83% of mortgage borrowers maintaining checking accounts. With 61% of its investment portfolio in floating-rate assets, FB Financial maintains capital flexibility to pursue opportunistic lending while managing interest rate risk.

FB Financial's stock fell over 4% after posting Q3 results that missed revenue expectations ($174.5M vs. $181.6M consensus) despite meeting earnings per share estimates at $1.21. While the regional bank grew deposits by 9% and loans by 10%, investors were disappointed by declining mortgage banking profitability and lack of meaningful top-line improvement from growth initiatives.

FB Financial reported Q3 2026 earnings of $1.21 per share, matching consensus estimates, with revenues of $174.49 million missing expectations by 3.14%. The stock has underperformed the S&P 500 by 19.2% year-to-date but maintains a Zacks Rank #2 (Buy) rating based on favorable estimate revisions. The Banks - Northeast industry ranks in the top 25% of Zacks industries.

FB Financial is set to report Q3 2026 earnings on October 13, with Wall Street expecting 13.1% year-over-year EPS growth to $1.21 per share and 3.6% revenue growth to $180.14 million. However, the stock carries a negative Earnings ESP of -1.33%, indicating recent analyst downgrades, making it a weak candidate for an earnings beat despite its Zacks Rank #2 rating.

Independent Bank Corp. (INDB) is expected to report Q3 2026 earnings on October 15 with consensus EPS of $1.84 (+18.7% YoY) and revenues of $258.66M (+6.1% YoY). The stock has a positive Earnings ESP of +1.90% with a Zacks Rank #3, suggesting a likely earnings beat. However, the company missed estimates in the last quarter (-3.95% surprise) and has beaten consensus only 2 of the last 4 quarters.