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First Business Financial Services (FBIZ)
NASDAQ:FBIZ
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.42Last Year’s EPS
1.32Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a solid positive picture: the company met or exceeded several strategic goals (double-digit revenue and NII growth, EPS +14%, tangible book +14%, ROATCE >15%), reported strong deposit growth (+12% in Q4) and durable fee income gains, and reiterated targeted NIM and double-digit growth guidance. The principal negatives are isolated and manageable: a single CRE downgrade ($20.4M) that caused a one-time interest reversal (~$892k), elevated payoff activity that temporarily moderated reported loan growth (management normalizes growth to ~11%), partnership income variability and a small number of legacy asset-related charge-offs. Overall, the positive operating and capital results materially outweigh the limited, largely idiosyncratic headwinds, supporting a favorable outlook.Company Guidance
Strong Profitability and Shareholder Returns
EPS grew 14% in 2025 versus 2024, exceeding the long-term 10% earnings growth goal; pretax pre-provision earnings grew nearly 15% year-over-year; return on average tangible common equity was over 15% for the year; tangible book value per share increased 14% year-over-year.
Revenue and Net Interest Income Growth
Full-year net interest income grew 10% driven by loan and deposit growth and disciplined pricing; full-year operating revenue grew 10%, meeting the company's double-digit revenue target.
Deposit and Balance Sheet Strength
Core deposits increased 12% in Q4 both on a linked-quarter and year-over-year basis, led by interest-bearing and money market accounts, which supported margin and funding; loans grew $261 million or 8% year-over-year and $39 million (5% annualized) during the quarter.
Loan Growth Outlook (Normalized)
Management noted elevated payoff activity in 2025 (~$60–$70 million above normal), and if normalized for payoffs adjusted full-year loan growth would be about 11%; pipelines across CRE and C&I (notably asset-based lending) are described as strong heading into 2026.
Fee Income and Diversification
Private Wealth delivered a record $3.8 million of fee income, up 11% year-over-year; service charges increased nearly 20% year-over-year; diversified fee streams helped moderate variability in some line items.
Operating Leverage and Expense Control
Operating expense growth was about 6.5% for 2025 versus 10% revenue growth, producing positive operating leverage for the fourth consecutive year and improving efficiency (efficiency ratio below 60% for 2025).
Capital Management and Dividend Increase
Strong earnings generated excess capital; Board approved a 17% increase to the quarterly cash dividend; effective tax rate for 2025 was 16.8%, within the 16–18% expected range.
Net Interest Margin Resilience (Excluding One-Time Item)
Reported Q4 NIM declined to 3.53% (down 15 bps), but excluding a nonaccrual interest reversal NIM would have been 3.63%; full-year NIM was relatively stable, declining only 2 bps from 3.66% to 3.64%.
Specialty Lending Rebuild and Margin Tailwinds
Management is shifting mix toward higher-yielding C&I and asset-based lending (ABL) which typically bring lower-cost deposits; ABL pipeline and other specialty niches are expected to lift margins and diversify revenue.
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 |
|---|---|---|---|
Jan 29, 2026 | $57.09 | $57.32 | +0.40% |
Oct 30, 2025 | $48.84 | $50.32 | +3.03% |
Jul 24, 2025 | $50.90 | $48.01 | -5.67% |
Apr 24, 2025 | $49.04 | $47.04 | -4.09% |
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 Apr 23, 2026, After Close (Confirmed).
What is First Business Financial Services (FBIZ) earnings time?
First Business Financial Services (FBIZ) earnings time is at Apr 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 (Q1) is 1.42.