Core Insights - First Business Financial Services (FBIZ) reported revenue of $44.53 million for Q3 2025, a 17% year-over-year increase, with an EPS of $1.70 compared to $1.24 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $42.37 million by 5.1%, and the EPS surpassed the consensus estimate of $1.39 by 22.3% [1] Financial Performance Metrics - Efficiency ratio stood at 57.4%, better than the three-analyst average estimate of 59.8% [4] - Net Interest Margin was reported at 3.7%, slightly above the three-analyst average estimate of 3.6% [4] - Net charge-offs as a percentage of average gross loans and leases were 0.2%, matching the two-analyst average estimate [4] - Average balance of total interest-earning assets was $3.79 billion, slightly higher than the $3.78 billion estimated by two analysts [4] - Net Interest Income reached $34.89 million, exceeding the three-analyst average estimate of $34.54 million [4] - Total Non-Interest Income was $9.64 million, significantly above the $7.83 million average estimate based on three analysts [4] - Service charges on deposits amounted to $1.15 million, compared to the $1.06 million average estimate based on two analysts [4] - Private wealth management service fees were $3.69 million, slightly below the $3.9 million average estimate based on two analysts [4] - Gain on sale of SBA loans was $0.38 million, lower than the $0.85 million average estimate based on two analysts [4] Stock Performance - Shares of First Business Financial Services have returned -0.9% over the past month, while the Zacks S&P 500 composite increased by 3.6% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]