For the quarter ended December 2025, First Business Financial Services (FBIZ) reported revenue of $42.22 million, up 2.6% over the same period last year. EPS came in at $1.58, compared to $1.43 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $42.73 million, representing a surprise of -1.19%. The company delivered an EPS surprise of +14.7%, with the consensus EPS estimate being $1.38.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Business Financial Services performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 56.6% compared to the 60.6% average estimate based on three analysts.
- Net Interest Margin: 3.5% compared to the 3.6% average estimate based on three analysts.
- Net charge-offs (recoveries) as a percent of average gross loans and leases (annualized): 0.3% compared to the 0.2% average estimate based on two analysts.
- Average Balance - Total interest-earning assets: $3.93 billion versus $3.86 billion estimated by two analysts on average.
- Total Non-Interest Income: $7.46 million compared to the $7.74 million average estimate based on three analysts.
- Net Interest Income: $34.76 million compared to the $35 million average estimate based on three analysts.
- Swap fees: $0.74 million compared to the $0.65 million average estimate based on two analysts.
- Private wealth management service fees: $3.79 million compared to the $3.97 million average estimate based on two analysts.
- Service charges on deposits: $1.19 million versus $1.09 million estimated by two analysts on average.
- Loan fees: $0.41 million versus $0.26 million estimated by two analysts on average.
View all Key Company Metrics for First Business Financial Services here>>>
Shares of First Business Financial Services have returned +2.1% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Business Financial Services, Inc. (FBIZ): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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