First Business Financial Services (FBIZ)
NASDAQ:FBIZ
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.56Last Year’s EPS
1.35Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operational and financial performance with multiple strong metrics: double-digit loan and deposit growth, 16% fee income growth, record Private Wealth revenue, >9% net income/EPS growth and 14% tangible book value per share increase. These positives are tempered by timing-driven margin noise (late-quarter loan deployment and fewer accrual days), a slightly elevated Q1 charge-off rate versus target, higher early-year compensation and professional expenses, and a lighter pipeline going into Q2 with some known payoffs. Management expects margins and growth to normalize into targeted ranges in the back half of 2026 and continues to project 10% annual growth targets and controlled expense/run-rate assumptions.Company Guidance
Strong Loan Growth
Loans grew $126 million or 15% year-over-year in Q1, with $90 million (72% of the quarter's growth) occurring in March, driven by C&I, asset-based lending, and strong markets in Madison, Milwaukee and Kansas City.
Core Deposit Expansion
Core deposits increased 18% sequentially (linked quarter) and 14% year-over-year, reflecting successful treasury management hiring and market share gains across bank markets and private wealth.
Fee Income and Private Wealth Momentum
Noninterest (fee) income rose nearly 16% year-over-year. Private Wealth produced record revenues of $3.9 million, up 11% year-over-year and contributing more than 40% of total quarterly fee income.
Net Income, EPS and Capital Growth
Net income and earnings per share increased by more than 9% versus Q1 last year. Tangible book value per share grew 14% year-over-year, supported by strong earnings and disciplined capital deployment.
Net Interest Margin and Outlook
Reported NIM increased 3 basis points to 3.56% (356 bps); adjusted for fewer accrual days Q1 NIM was 3.61%. Management expects to operate in or toward the lower-to-middle portion of the $3.60–$3.65 target range for the year as loan mix (C&I) benefits margin.
Progress on Largest Nonperforming Asset
From a downgraded $20.4 million CRE relationship, $3.4 million of land development loans were sold at par in Q1. The remaining ~$17 million has appraisals exceeding carrying values and carries no specific reserves, with additional resolution expected but timed into the second half of 2026.
Positive Operating and Strategic Indicators
Management reiterated a disciplined plan targeting 10% annual loan and core deposit growth, expects 10% fee income growth for 2026, and emphasized culture/talent investments (FTEs +5.7% year-over-year) and reinvestment of excess capital to support continued growth.
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 |
|---|---|---|---|
Apr 23, 2026 | $56.95 | $55.69 | -2.20% |
Jan 29, 2026 | $56.42 | $56.64 | +0.40% |
Oct 30, 2025 | $48.26 | $49.73 | +3.03% |
Jul 24, 2025 | $50.30 | $47.45 | -5.67% |
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 Jul 23, 2026, After Close (Confirmed).
What is First Business Financial Services (FBIZ) earnings time?
First Business Financial Services (FBIZ) earnings time is at Jul 23, 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 2026 (Q2) is 1.56.