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First Business Financial Services (FBIZ) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
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First Business Financial Services (FBIZ - Free Report) reported $40.84 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 12.6%. EPS of $1.32 for the same period compares to $1.04 a year ago.
The reported revenue represents a surprise of +1.92% over the Zacks Consensus Estimate of $40.07 million. With the consensus EPS estimate being $1.29, the EPS surprise was +2.33%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 60.3% compared to the 61.6% average estimate based on three analysts.
Net Interest Margin: 3.7% versus the three-analyst average estimate of 3.6%.
Net charge-offs (recoveries) as a percent of average gross loans and leases (annualized): 0.4% versus 0.2% estimated by two analysts on average.
Average Balance - Total interest-earning assets: $3.60 billion versus $3.62 billion estimated by two analysts on average.
Total Non-Interest Income: $7.58 million versus $7.88 million estimated by three analysts on average.
Net Interest Income: $33.26 million compared to the $32.19 million average estimate based on three analysts.
Gain on sale of SBA loans: $0.96 million versus the two-analyst average estimate of $0.80 million.
Swap fees: $0.11 million compared to the $0.78 million average estimate based on two analysts.
Private wealth management service fees: $3.49 million compared to the $3.23 million average estimate based on two analysts.
Service charges on deposits: $1.05 million versus $0.99 million estimated by two analysts on average.
Loan fees: $0.39 million compared to the $0.96 million average estimate based on two analysts.
Shares of First Business Financial Services have returned +0.1% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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First Business Financial Services (FBIZ) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
First Business Financial Services (FBIZ - Free Report) reported $40.84 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 12.6%. EPS of $1.32 for the same period compares to $1.04 a year ago.
The reported revenue represents a surprise of +1.92% over the Zacks Consensus Estimate of $40.07 million. With the consensus EPS estimate being $1.29, the EPS surprise was +2.33%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 60.3% compared to the 61.6% average estimate based on three analysts.
- Net Interest Margin: 3.7% versus the three-analyst average estimate of 3.6%.
- Net charge-offs (recoveries) as a percent of average gross loans and leases (annualized): 0.4% versus 0.2% estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $3.60 billion versus $3.62 billion estimated by two analysts on average.
- Total Non-Interest Income: $7.58 million versus $7.88 million estimated by three analysts on average.
- Net Interest Income: $33.26 million compared to the $32.19 million average estimate based on three analysts.
- Gain on sale of SBA loans: $0.96 million versus the two-analyst average estimate of $0.80 million.
- Swap fees: $0.11 million compared to the $0.78 million average estimate based on two analysts.
- Private wealth management service fees: $3.49 million compared to the $3.23 million average estimate based on two analysts.
- Service charges on deposits: $1.05 million versus $0.99 million estimated by two analysts on average.
- Loan fees: $0.39 million compared to the $0.96 million average estimate based on two analysts.
View all Key Company Metrics for First Business Financial Services here>>>Shares of First Business Financial Services have returned +0.1% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.