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First Business Financial Services (FBIZ) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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First Business Financial Services (FBIZ - Free Report) reported $44.53 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 17%. EPS of $1.70 for the same period compares to $1.24 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $42.37 million, representing a surprise of +5.1%. The company delivered an EPS surprise of +22.3%, with the consensus EPS estimate being $1.39.
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: 57.4% versus the three-analyst average estimate of 59.8%.
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): 0.2% versus the two-analyst average estimate of 0.2%.
Average Balance - Total interest-earning assets: $3.79 billion versus $3.78 billion estimated by two analysts on average.
Net Interest Income: $34.89 million versus the three-analyst average estimate of $34.54 million.
Total Non-Interest Income: $9.64 million compared to the $7.83 million average estimate based on three analysts.
Service charges on deposits: $1.15 million compared to the $1.06 million average estimate based on two analysts.
Private wealth management service fees: $3.69 million compared to the $3.9 million average estimate based on two analysts.
Gain on sale of SBA loans: $0.38 million compared to the $0.85 million average estimate based on two analysts.
Shares of First Business Financial Services have returned -0.9% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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First Business Financial Services (FBIZ) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
First Business Financial Services (FBIZ - Free Report) reported $44.53 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 17%. EPS of $1.70 for the same period compares to $1.24 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $42.37 million, representing a surprise of +5.1%. The company delivered an EPS surprise of +22.3%, with the consensus EPS estimate being $1.39.
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:View all Key Company Metrics for First Business Financial Services here>>>
Shares of First Business Financial Services have returned -0.9% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.