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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

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

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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

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

Returns & leverage

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

FAQ

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.