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First Business Financial Services FBIZ Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$44.3M+8.5%
Net income$12.2M+9.2%
EPS (diluted)$1.44+9.1%

Balance sheet

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Cash & equivalents$137.1M-19.6%
Total debt$7.0M-7.5%
Total equity$380.1M+13.1%
Total assets$4.3B+9.5%

Cash flow

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Operating cash flow$3.1M-73.0%
CapEx$135.0K+68.8%
Free cash flow$2.9M-74.0%

Valuation

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Market cap$595.15M+49.7%
Enterprise value$465.06M+65.0%
P/E11.6×+3.2×
P/S3.5×+1.0×

Profitability

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Net margin29.8%+0.4pp
FCF margin30.7%-7.4pp

Returns & leverage

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Return on equity14.3%-0.4pp
Debt / equity0.0×

Where this comes from

Reported directly by First Business Financial Services in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: First Business Financial Services’s 10-Q, filed April 24, 2026.

Filed
Apr 24, 2026, 4:06 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001193125-26-177139
Line itemFor the Three Months Ended March 31, 2026For the Three Months Ended March 31, 2025
Total interest expense26,37826,272
Net interest income35,51833,258
Provision for credit losses2,9602,659
Net interest income after provision for credit losses32,55830,599
Non-interest income
Private wealth management service fees3,8773,492
Gain on sale of Small Business Administration loans592963
Service charges on deposits1,3181,048

Item 1. Financial Statements

FAQ

What is First Business Financial Services's net interest income (after provisions)?
First Business Financial Services (FBIZ) reported net interest income (after provisions) of $32.56M in Q1 2026.
How has First Business Financial Services's net interest income (after provisions) changed year-over-year?
First Business Financial Services's net interest income (after provisions) increased by 6.4% year-over-year, from $30.6M to $32.56M.
What is the long-term trend for First Business Financial Services's net interest income (after provisions)?
Over 4 years (2021 to 2025), First Business Financial Services's net interest income (after provisions) has grown at a 9.1% compound annual growth rate (CAGR), from $90.47M to $128.04M.
What does net interest income (after provisions) mean?
This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover potential future loan defaults. It provides a more accurate view of the bank's core profitability by accounting for the expected credit risk inherent in the loan portfolio. A stable or growing figure suggests effective credit risk management alongside healthy interest margins.

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