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First Business Financial Services (FBIZ)
NASDAQ:FBIZ
Earnings Data
Report Date
Jan 22, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.39Last Year’s EPS
1.71Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call for First Business Financial Services was predominantly positive, highlighting strong profitability, growth in loans and deposits, and record fee income. Asset quality remained stable with a decrease in nonperforming assets. However, there were concerns about nonrecurring income items and potential delays caused by the government shutdown. Despite these, the overall performance was strong and forward-looking statements were optimistic.Company Guidance
Robust Profitability and Growth
First Business Financial Services reported high-quality loan and deposit growth, strong net interest margin, and positive operating leverage. Year-to-date ROA grew 15 basis points to 1.23% compared to 2024, and return on average tangible common equity increased to over 15% from just under 14% last year. Tangible book value per share grew 16% year-over-year.
Record Fee Income
The company achieved record levels of noninterest income, including a nearly 6x growth in swap income and a 4x increase in income from SBIC funds compared to the previous quarter. Fee income comprised 19% of operating revenue, outperforming peers.
Strong Loan and Deposit Growth
Loan balances grew about $85 million or 10% annualized during the quarter and $286 million or 9% over the same period last year. Core deposits grew 9% from both the linked and prior year quarters.
Stable Asset Quality
Nonperforming assets decreased, with NPAs falling by $5.2 million to 0.58% of total assets compared to 0.72% last quarter. The overall portfolio continues to perform as expected with no areas of particular concern.
FBIZ Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FBIZ Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 30, 2025 | $49.12 | $50.61 | +3.03% |
Jul 24, 2025 | $51.19 | $48.29 | -5.67% |
Apr 24, 2025 | $49.33 | $47.31 | -4.09% |
Jan 30, 2025 | $48.69 | $50.76 | +4.25% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does First Business Financial Services (FBIZ) report earnings?
First Business Financial Services (FBIZ) is schdueled to report earning on Jan 22, 2026, After Close (Confirmed).
What is First Business Financial Services (FBIZ) earnings time?
First Business Financial Services (FBIZ) earnings time is at Jan 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FBIZ EPS forecast?
FBIZ EPS forecast for the fiscal quarter 2025 (Q4) is 1.39.