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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 $47.51 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 6.7%. EPS of $1.95 for the same period compares to $1.70 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $46.8 million, representing a surprise of +1.52%. The company delivered an EPS surprise of +15.39%, with the consensus EPS estimate being $1.69.
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:
Net Interest Margin: 3.8% versus the four-analyst average estimate of 3.7%.
Efficiency ratio: 55.1% versus the four-analyst average estimate of 57.4%.
Average Balance - Total interest-earning assets: $4.11 billion versus $4.16 billion estimated by three analysts on average.
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 three analysts.
Non-accrual loans and leases: $40.24 million versus the two-analyst average estimate of $36.05 million.
Total nonperforming assets: $40.24 million compared to the $36.15 million average estimate based on two analysts.
Total Non-Interest Income: $8.43 million compared to the $8.34 million average estimate based on four analysts.
Net Interest Income: $39.08 million versus $38.47 million estimated by four analysts on average.
Swap fees: $0.56 million versus $0.52 million estimated by three analysts on average.
Private wealth management service fees: $4.18 million compared to the $4.24 million average estimate based on three analysts.
Service charges on deposits: $1.41 million compared to the $1.23 million average estimate based on three analysts.
Loan fees: $0.47 million versus $0.69 million estimated by three analysts on average.
Shares of First Business Financial Services have returned +5.8% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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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 $47.51 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 6.7%. EPS of $1.95 for the same period compares to $1.70 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $46.8 million, representing a surprise of +1.52%. The company delivered an EPS surprise of +15.39%, with the consensus EPS estimate being $1.69.
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 +5.8% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.