The earnings call highlighted significant growth in deposits, Private Wealth assets, and tangible book value, with stable loan growth and net interest margins. However, challenges included an increase in non-performing assets and a decline in SBA loan sale premiums. Overall, the positive aspects slightly outweigh the negative, indicating a strong performance with some areas for improvement.

Company Guidance

In the second quarter of 2025, First Business Bank reported strong financial performance, driven by several key metrics. The bank achieved double-digit core deposit growth, which outpaced loan expansion, and maintained a robust net interest margin of 3.67%. Pretax pre-provision adjusted earnings increased by 13% compared to the previous year, while earnings per share (EPS) rose by 10%. The return on assets (ROA) remained consistent with prior quarters, and the tangible book value per share impressively grew by 14% year-over-year. Additionally, Private Wealth assets under management saw a significant annualized increase of 36% during the quarter, contributing to the bank's revenue diversification strategy. Loan balances rose by 9% over the past year, with notable growth in conventional and niche commercial and industrial (C&I) products. Despite some expected variability in fee income, the bank's overall operating revenue remained solid, underscoring the success of its strategic initiatives focused on long-term growth and stability.

Double-Digit Core Deposit Growth

Core deposits increased by $70 million, or 11% annualized, from the first quarter and up 10% from last year's second quarter.

Private Wealth Assets Growth

Private Wealth assets under management grew 36% annualized during the quarter and were up 15% from a year ago.

Tangible Book Value Increase

Tangible book value per share grew by 14% from a year ago.

Strong Loan Growth

Loan balances grew about $267 million or 9% over the same period last year.

Stable Net Interest Margin

The net interest margin was maintained at 3.67% with a slight increase in the adjusted net interest margin to 3.47%.

First Business Financial (FBIZ) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FBIZ Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	1.39 / -	1.24	―	―	―
Jul 24, 2025	2025 (Q2)	1.33 / 1.35	1.23	9.76% (+0.12)
Apr 24, 2025	2025 (Q1)	1.27 / 1.32	1.04	26.92% (+0.28)
Jan 30, 2025	2024 (Q4)	1.27 / 1.71	1.15	48.70% (+0.56)
Oct 24, 2024	2024 (Q3)	1.19 / 1.24	1.17	5.98% (+0.07)
Jul 25, 2024	2024 (Q2)	1.09 / 1.23	0.98	25.51% (+0.25)		―
Apr 25, 2024	2024 (Q1)	1.12 / 1.04	1.05	-0.95% (-0.01)		―
Jan 25, 2024	2023 (Q4)	1.13 / 1.15	1.18	-2.54% (-0.03)		―
Oct 26, 2023	2023 (Q3)	1.17 / 1.17	1.25	-6.40% (-0.08)		―
Jul 27, 2023	2023 (Q2)	0.98 / 0.98	1.29	-24.03% (-0.31)	―	―

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
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%
Oct 24, 2024	$43.82	$41.93	-4.31%

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 Oct 23, 2025, After Close (Confirmed).

What is First Business Financial Services (FBIZ) earnings time?

First Business Financial Services (FBIZ) earnings time is at Oct 23, 2025, 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 (Q3) is 1.39.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing