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First Business Financial Services (FBIZ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended June 2026, First Business Financial Services (FBIZ - Free Report) reported revenue of $46.71 million, up 13.8% over the same period last year. EPS came in at $1.70, compared to $1.35 in the year-ago quarter.
The reported revenue represents a surprise of +2.66% over the Zacks Consensus Estimate of $45.5 million. With the consensus EPS estimate being $1.54, the EPS surprise was +10.39%.
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.
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: 57.6% versus 59.4% estimated by three analysts on average.
Net Interest Margin: 3.8% versus the three-analyst average estimate of 3.6%.
Net charge-offs (recoveries) as a percent of average gross loans and leases (annualized): 0.1% versus the two-analyst average estimate of 0.2%.
Average Balance - Total interest-earning assets: $4.03 billion compared to the $4.1 billion average estimate based on two analysts.
Total Non-Interest Income: $8.57 million versus the three-analyst average estimate of $8.56 million.
Net Interest Income: $38.14 million versus the three-analyst average estimate of $36.96 million.
Service charges on deposits: $1.34 million versus $1.08 million estimated by two analysts on average.
Swap fees: $0.16 million versus $0.67 million estimated by two analysts on average.
Private wealth management service fees: $4.26 million compared to the $4 million average estimate based on two analysts.
Shares of First Business Financial Services have returned +4.4% over the past month versus the Zacks S&P 500 composite's -1.5% 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.
View the Zacks #1 Rank List
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First Business Financial Services (FBIZ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended June 2026, First Business Financial Services (FBIZ - Free Report) reported revenue of $46.71 million, up 13.8% over the same period last year. EPS came in at $1.70, compared to $1.35 in the year-ago quarter.
The reported revenue represents a surprise of +2.66% over the Zacks Consensus Estimate of $45.5 million. With the consensus EPS estimate being $1.54, the EPS surprise was +10.39%.
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.
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:View all Key Company Metrics for First Business Financial Services here>>>
Shares of First Business Financial Services have returned +4.4% over the past month versus the Zacks S&P 500 composite's -1.5% 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.