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First Business Financial Services FBIZ Q3 2025 earnings

Reported October 30, 2025 · After market close

Revenue$44.5MBeat by $1.5M
EPS$1.70Beat by $0.31
Revenue estimate$43.0M
EPS estimate$1.39

Next report

Oct 29, 2026 (in a month)
Revenue estimate$46.8M
EPS estimate$1.68

Financials

Q3 2025

Income statement

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Revenue$44.5M+17.0%
Net income$14.4M+36.7%
EPS (diluted)$1.70+37.1%

Balance sheet

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Cash & equivalents$44.3M-66.4%
Total debt$7.7M-4.6%
Total equity$358.3M+14.9%
Total assets$4.0B+8.6%

Cash flow

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Operating cash flow$18.4M+33.4%
CapEx$146.0K—
Free cash flow$18.3M+26.7%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$426.66M+15.4%
Enterprise value$390M+58.7%
P/E8.3×-1.0×
P/S2.5×+0.1×

Profitability

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Net margin30.7%+4.1pp
FCF margin39.9%+7.5pp

Returns & leverage

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Return on equity15.3%+2.0pp
Debt / equity0×0.0×

FAQ

When did First Business Financial Services report Q3 2025 earnings?
First Business Financial Services (FBIZ) reported Q3 2025 earnings on October 30, 2025 after market close.
What were First Business Financial Services's Q3 2025 revenue and EPS?
First Business Financial Services reported revenue of $44.5M and eps of $1.70 for Q3 2025.
Did First Business Financial Services beat estimates in Q3 2025?
Revenue beat the consensus estimate of $43.0M by $1.5M. EPS beat the consensus estimate of $1.39 by $0.31.
How did First Business Financial Services's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.0% from $38.1M a year earlier and eps grew 37.1% from $1.24.
Where can I find First Business Financial Services's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-258515) and the 10-Q periodic report (0001193125-25-260778) directly on SEC EDGAR. The filing index links above go to sec.gov.