FBIZ · First Business Financial Services, Inc.
Price & Indicators
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Jul 31, 2026TL;DR. FBIZ posted Q2 2026 EPS of $1.84 (up 28% linked quarter), record pre-tax pre-provision earnings of $19.8 million, and reaffirmed its 10% annual growth goals for loans, deposits, revenue, and earnings. The company also announced the exit of out-of-footprint SBA 7(a) lending to redirect resources to higher-return growth, with a modest ~$0.03 quarterly EPS benefit expected in 2027.
- + EPS of $1.84 in Q2 2026, up 28% from $1.44 in the prior quarter and 36% from $1.35 a year ago.
- + Record pre-tax, pre-provision earnings of $19.8 million, up 15.1% linked quarter and 23.7% year-over-year.
- + Loans grew 10.0% annualized from the linked quarter and core deposits grew 11.7% annualized, with 13.6% YoY core deposit growth, supporting the 10% annual growth goals.
- + Fee income grew 18.1% year-over-year, with private wealth fees up 13.6% and assets under management and administration rising to $4.235 billion.
- + Non-performing assets declined $2.4 million, or 6.0%, from the linked quarter, improving the NPA/Total Assets ratio by 8 basis points.
- − Out-of-footprint SBA 7(a) lending exit eliminates approximately $500,000 in average quarterly gains on sale revenue, with only ~$0.03 quarterly EPS benefit expected in 2027 and minimal 2026 impact.
- − Non-performing assets rose 33% year-over-year to $38.1 million (0.86% of total assets) versus 0.72% a year ago, driven by a fourth-quarter 2025 CRE downgrade.
- − Loan growth was moderated by elevated payoffs of approximately $50 million above the two-year quarterly average, which boosted near-term NIM but is expected to slow in the second half.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FBIZ
this stock
First Business Financial Services, Inc.
|
$590.22M | +30.6% | +50.4% | 10.8 | 3.7% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FBIZ | +0.6% | -1.5% | +20.8% | +3.1% | +30.6% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +0.8% | -1.1% | +8.6% | +2.2% | +17.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.