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First Business Financial Services FBIZ Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$42.2MMiss by $577.0K
EPS$1.58Beat by $0.20
Revenue estimate$42.8M
EPS estimate$1.38

Next report

Jul 30, 2026 (Today)
Revenue estimate$45.4M
EPS estimate$1.54

Financials

Q4 2025

Income statement

See full
Revenue$42.2M+2.6%
Net income$13.3M-7.5%
EPS (diluted)$1.58-7.6%

Balance sheet

See full
Cash & equivalents$39.5M-75.0%
Total debt$7.4M-7.1%
Total equity$371.6M+13.1%
Total assets$4.1B+5.9%

Cash flow

See full
Operating cash flow$16.1M-26.5%
CapEx$39.0K-7.1%
Free cash flow$16.1M-26.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$452.01M+17.7%
Enterprise value$419.88M+79.3%
P/E9×+0.3×
P/S2.7×+0.2×

Profitability

See full
Net margin29.8%+1.0pp
FCF margin36.2%-1.1pp

Returns & leverage

See full
Return on equity14.4%+0.1pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$44.3MBeat by $893.0K
Q4 2025$42.2MMiss by $577.0K
Q3 2025$44.5MBeat by $1.5MQ2 2025$41.0MMiss by $1.3MQ1 2025$40.8MBeat by $712.0KQ4 2024$41.2MBeat by $1.9M

Diluted EPS

Q1 2026$1.44Beat by $0.02
Q4 2025$1.58Beat by $0.20
Q3 2025$1.70Beat by $0.31Q2 2025$1.35In lineQ1 2025$1.32Beat by $0.03Q4 2024$1.43Beat by $0.16

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Questions, answered.

When did First Business Financial Services report Q4 2025 earnings?
First Business Financial Services (FBIZ) reported Q4 2025 earnings on January 29, 2026 after market close.
What were First Business Financial Services's Q4 2025 revenue and EPS?
First Business Financial Services reported revenue of $42.2M and eps of $1.58 for Q4 2025.
Did First Business Financial Services beat estimates in Q4 2025?
Revenue missed the consensus estimate of $42.8M by $577.0K. EPS beat the consensus estimate of $1.38 by $0.20.
How did First Business Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.6% from $41.2M a year earlier and eps grew 10.5% from $1.43.
Where can I find First Business Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-029321) and the 10-K periodic report (0001193125-26-071523) directly on SEC EDGAR. The filing index links above go to sec.gov.