The earnings call presented a generally positive outlook with significant growth in core deposits, Private Wealth assets, and tangible book value. Despite challenges such as an increase in NPAs and a decrease in certain fee incomes, the company's strong loan growth, consistent revenue, and low net charge-offs indicate a healthy financial position.

Company Guidance -

Q3 2025

During the Second Quarter 2025 earnings call, First Business Bank reported impressive financial performance metrics aligned with their strategic plan for double-digit annual growth. Core deposits grew by $70 million or 11% annualized from the first quarter, while loans increased by $267 million or 9% year-over-year. The net interest margin remained strong at 3.67%, and net charge-offs declined. The bank achieved a 13% increase in pretax pre-provision adjusted earnings and a 10% rise in EPS over the previous year's second quarter. Notably, tangible book value per share surged 14% from a year ago. Despite a competitive market, the bank maintained robust asset quality with minimal net charge-offs and a well-collateralized loan portfolio. Private Wealth assets under management also saw significant growth, expanding 36% annualized during the quarter. The bank's revenue diversification strategy contributed to stable operating revenue, even amidst variability in fee income sources.

Strong 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. Service charges on deposits also grew 16% from last year's second quarter.

Impressive Private Wealth Growth

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

Tangible Book Value Increase

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

Consistent Revenue Growth

Operating revenue increased with pretax pre-provision adjusted earnings up 13% over last year's second quarter and EPS up 10%.

Loan Growth

Loan balances grew about $267 million over the same period last year, up about 9%. Total C&I balances expanded $30 million or 10% annualized.

Low Net Charge-offs

There was a decline in net charge-offs, particularly in the transportation and logistics segment of the small ticket equipment finance portfolio.

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)	1.38 / -	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	$51.51	$48.59	-5.67%
Apr 24, 2025	$49.63	$47.60	-4.09%
Jan 30, 2025	$48.99	$51.07	+4.25%
Oct 24, 2024	$44.09	$42.19	-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 1.38.

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