Core Insights - First Business Financial Services (FBIZ) reported revenue of $42.22 million for the quarter ended December 2025, reflecting a year-over-year increase of 2.6% [1] - The earnings per share (EPS) for the quarter was $1.58, up from $1.43 in the same quarter last year, indicating a positive growth trend [1] - The reported revenue fell short of the Zacks Consensus Estimate of $42.73 million, resulting in a revenue surprise of -1.19%, while the EPS exceeded the consensus estimate of $1.38, yielding a surprise of +14.7% [1] Financial Metrics - The efficiency ratio was reported at 56.6%, better than the average estimate of 60.6% based on three analysts [4] - The net interest margin stood at 3.5%, slightly below the average estimate of 3.6% from three analysts [4] - Net charge-offs as a percentage of average gross loans and leases (annualized) were 0.3%, higher than the average estimate of 0.2% from two analysts [4] - The average balance of total interest-earning assets was $3.93 billion, exceeding the estimated $3.86 billion from two analysts [4] - Total non-interest income was $7.46 million, below the average estimate of $7.74 million from three analysts [4] - Net interest income was reported at $34.76 million, slightly lower than the average estimate of $35 million from three analysts [4] - Swap fees amounted to $0.74 million, surpassing the average estimate of $0.65 million from two analysts [4] - Private wealth management service fees were $3.79 million, below the average estimate of $3.97 million from two analysts [4] - Service charges on deposits reached $1.19 million, exceeding the average estimate of $1.09 million from two analysts [4] - Loan fees were reported at $0.41 million, higher than the average estimate of $0.26 million from two analysts [4] Stock Performance - Shares of First Business Financial Services have returned +2.1% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

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]