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First Business Financial Services FBIZ Q3 2026 earnings

Reported October 29, 2026 · After market close

Revenue$47.5MBeat by $632.0K
EPS$1.95Beat by $0.28
Revenue estimate$46.9M
EPS estimate$1.67
“Our record third quarter results reflect strong execution across First Business Bank’s relationship-based model, Annualized loan growth of approximately 10% was more than fully funded by 14% annualized core deposit growth, while a strong net interest margin and disciplined expense management drove record pre-tax, pre-provision earnings. Through the first nine months of 2026, earnings per share increased 20%, pre-tax, pre-provision earnings increased 14%, and tangible book value per share grew 13% from the prior year.”
Dave Seiler

Next report

Jan 28, 2027 (in 3 months)
Revenue estimate$47.6M
EPS estimate$1.70

Financials

Q3 2026

Income statement

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Revenue$47.5M+6.7%
Net income$16.6M+15.1%
EPS (diluted)$1.95+14.7%

Balance sheet

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Cash & equivalents$92.3M+108%
Total debt$6.4M-17.3%
Total equity$404.6M+12.9%
Total assets$4.4B+10.1%

Cash flow

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Operating cash flow$5.5M-70.1%
CapEx$300.0K+105%
Free cash flow$5.2M-71.5%

Valuation & ratios

Valuation

as of 10/30/26
See full
Market cap$617.25M+51.0%
Enterprise value$531.33M+42.8%
P/E10.7×+2.7×
P/S3.4×+1.0×

Profitability

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Net margin31.9%+1.2pp
FCF margin37.5%-2.4pp

Returns & leverage

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Return on equity15.1%-0.2pp
Debt / equity0×0.0×

FAQ

When did First Business Financial Services report Q3 2026 earnings?
First Business Financial Services (FBIZ) reported Q3 2026 earnings on October 29, 2026 after market close.
What were First Business Financial Services's Q3 2026 revenue and EPS?
First Business Financial Services reported revenue of $47.5M and eps of $1.95 for Q3 2026.
Did First Business Financial Services beat estimates in Q3 2026?
Revenue beat the consensus estimate of $46.9M by $632.0K. EPS beat the consensus estimate of $1.67 by $0.28.
How did First Business Financial Services's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.7% from $44.5M a year earlier and eps grew 14.7% from $1.70.
Where can I find First Business Financial Services's Q3 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-437781) and the 10-Q periodic report (0001193125-26-441632) directly on SEC EDGAR. The filing index links above go to sec.gov.