Monitor next quarter for improvement in EPS performance despite strong balance sheet growth and margin stability. The maintained dividend suggests confidence in ongoing earnings power.
Price Chart
Executive Summary
First Business Financial Services reported Q1 2026 earnings with EPS of $1.44, missing consensus by 1.4% despite strong loan and deposit growth. Net interest margin improved slightly to 3.56%, while non-performing assets declined. The company maintained its quarterly dividend at $0.34 per share.
Key Financial Metrics
Key Facts
- EPS of $1.44 missed consensus of $1.46 by 1.4%
- Revenue of $44.3M beat consensus of $43.4M by 2.1%
- Net interest margin increased to 3.56% from 3.53% in Q4 2025
- Loans grew $125.9M (14.9% annualized) from Q4 2025
- Core deposits grew $123.1M (18.4% annualized) from Q4 2025
- Non-performing assets decreased to $40.5M (0.94% of total assets) from $43.9M
- Quarterly dividend maintained at $0.34 per share
Financial Impact
EPS miss of $0.02, revenue beat of $0.9M
Risk Factors
- EPS miss could pressure stock despite revenue beat
- Increased provision for credit losses to $3.0M from $1.9M in prior quarter
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-173671 |
| Document: fbiz-20260423.htm | 0001193125-26-173671 |
| Document: fbiz-ex99_2.htm | 0001193125-26-173671 |
| Document: 0001193125-26-173671-index-headers.html | 0001193125-26-173671 |
| Document: 0001193125-26-173671-index.html | 0001193125-26-173671 |
| Document: 0001193125-26-173671.txt | 0001193125-26-173671 |
| 8-K Data (Synthetic) | 0001193125-26-173671 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 30, 2026 12w ago | 8-K | $70.21 $72.79 | ▲ +3.67% | ▲ +1.22% | $72.99 (+3.96%) |
Apr 23, 2026 26w ago | 8-K | $55.69 $66.14 | ▲ +18.76% | ▲ +13.68% | $72.99 (+31.06%) |
Apr 14, 2026 27w ago | 8-K | $58.02 $63.70 | ▲ +9.79% | ▲ +1.66% | $72.99 (+25.80%) |
Mar 16, 2026 32w ago | EFFECT | $52.37 $58.42 | ▲ +11.55% | ▲ +1.06% | $72.99 (+39.37%) |
Mar 3, 2026 33w ago | S-3 | $54.51 $57.49 | ▲ +5.47% | ▼ −4.62% | $72.99 (+33.90%) |
US Market Status
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