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What Key Metrics Have to Say
FB Financial (FBK) reported $130.38 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 12%. EPS of $0.85 for the same period compares to $0.77 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $130.52 million, representing a surprise of -0.11%. The company delivered an EPS surprise of +1.19%, with the consensus EPS estimate being $0.84.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company’s financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock’s price performance more accurately.
Here is how FB Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Efficiency Ratio: 56.1% versus the three-analyst average estimate of 59%.
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Net Interest Margin: 3.5% versus 3.6% estimated by three analysts on average.
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Average Earning Assets: $12.37 billion compared to the $12.11 billion average estimate based on two analysts.
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Net Charge-offs during the period to Average Loans outstanding: 0.5% versus 0.1% estimated by two analysts on average.
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Mortgage banking income: $10.59 million versus the three-analyst average estimate of $10.85 million.
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Total Noninterest income: $22 million compared to the $22.83 million average estimate based on three analysts.
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Net interest income (tax-equivalent basis): $109 million versus the two-analyst average estimate of $108.13 million.
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Other Income: $3.31 million versus the two-analyst average estimate of $2.30 million.
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Service charges on deposit accounts: $3.55 million versus the two-analyst average estimate of $3.19 million.
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Net Interest Income: $108.38 million versus $107.54 million estimated by two analysts on average.
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ATM and interchange fees: $2.87 million versus $2.95 million estimated by two analysts on average.
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Investment services and trust income: $3.85 million versus the two-analyst average estimate of $3.44 million.
View all Key Company Metrics for FB Financial here>>>
Shares of FB Financial have returned +1.1% over the past month versus the Zacks S&P 500 composite’s +1.2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Key metrics are essential tools for measuring the success and performance of a business. They provide valuable insights into various aspects of operations, helping to identify areas of strength and weakness. In this post, we will explore some key metrics and what they have to say about a business.
1. Revenue: Revenue is one of the most important metrics for any business. It indicates the total amount of money generated from sales and other sources. A high revenue number suggests that the business is doing well and attracting customers. On the other hand, a declining revenue may indicate issues with pricing, competition, or market demand.
2. Customer Acquisition Cost (CAC): CAC measures how much it costs to acquire a new customer. This metric is crucial for understanding the effectiveness of marketing and sales efforts. A high CAC may indicate inefficient marketing strategies or an unprofitable customer base.
3. Customer Lifetime Value (CLV): CLV is the total revenue a business can expect from a customer throughout their relationship. This metric helps businesses understand the long-term value of acquiring and retaining customers. A high CLV indicates that customers are loyal and provide consistent revenue.
4. Churn Rate: Churn rate measures the rate at which customers stop using a product or service. A high churn rate may indicate dissatisfaction with the product, poor customer service, or strong competition. Businesses should focus on reducing churn to maintain a loyal customer base.
5. Gross Margin: Gross margin is the percentage of revenue that remains after subtracting the cost of goods sold. This metric is essential for understanding the profitability of a business. A high gross margin indicates that a business is efficiently managing costs and pricing its products effectively.
Overall, key metrics provide valuable insights into the health and performance of a business. By analyzing these metrics regularly, businesses can identify areas for improvement and make informed decisions to drive growth and success.
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