First Business Financial Services/$FBIZ

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About First Business Financial Services

First Business Financial Services Inc operates as a bank holding company. The Bank operates as a business bank, delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, to meet the specific needs of small and medium-sized businesses, business owners, executives, professionals, and high-net-worth individuals. The company's products and services include commercial lending, SBA lending and servicing, asset-based lending, equipment financing, factoring, trust, and investment services, treasury management services, and a broad range of deposit products. Geographically, all the business activity functioned through the region of the United States.
Ticker
$FBIZ
Sector
Finance
Primary listing
NASDAQ
Employees
355
Headquarters
Madison, United States
Website
www.firstbusiness.bank

FBIZ Metrics

BasicAdvanced
$588M
10.71
$6.56
0.65
$1.31
1.94%

Bulls say / Bears say

First-half operating momentum is strong: revenue rose 11%, pre-tax pre-provision earnings 15% and net income 17%, excluding the quarter’s tax benefit. Loans and core deposits both grew at roughly 10% year on year, giving the bank a credible path towards its 2026 growth targets. (StockTitan, Stockhouse)
The strategic exit from out-of-footprint SBA 7(a) lending should improve returns by redirecting staff and capital to higher-yielding niche commercial lending, established markets and private wealth. Fee income still grew 18% year on year, while the first-half efficiency ratio reached the company’s sub-60% long-term target. (Motley Fool, Stockhouse)
The balance sheet provides room to keep investing and return capital: tangible book value per share increased 15% year on year, while the June CET1 and total capital ratios were 9.54% and 12.21%. Liquidity also remained substantial, with total available liquidity of about $2.42 billion. (StockTitan, StockTitan)
Reported earnings benefited from a $1.5 million deferred-tax allowance reversal, worth about $0.18 per share before severance costs. The second-quarter margin also benefited from unusually high prepayment fees, which management expects to moderate, so the underlying earnings run rate may be less impressive. (Motley Fool, StockTitan)
Credit risk remains concentrated: commercial real estate represented about 60% of gross loans, while non-performing assets of $38.1 million were still 33% above the prior year. A single client relationship accounted for a $20.4 million CRE downgrade, showing how one troubled exposure can move reported asset quality. (StockTitan, Investor Wedbush)
Headline loan growth overstates the underlying pace: excluding a $23.7 million SBA transfer, second-quarter annualised growth was 7.2%, while payoffs were about $50 million above the recent average. The bank also relies on roughly $1 billion of wholesale funding, and management says deposit acquisition remains costly, which could pressure margins and growth. (Exa, Investor Wedbush)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.

FBIZ News

AllArticlesVideos

First Business Financial Services Q2 Earnings Call Highlights

MarketBeat2 months ago

First Business Bank Announces Second Quarter 2026 Financial Results

Business Wire2 months ago

First Business Bank Announces Second Quarter 2026 Earnings Conference Call

Business Wire3 months ago

Funds containing FBIZ

Funds
Fund name
Fund size
$FBIZ weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.02%
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