First Business Financial Services, Inc. (FBIZ)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$72.83+1.10%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FBIZ
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue executing relationship-based growth strategy targeting 10% annual growth in loans, core deposits, revenue, and earnings.
Stated as a priority in 2 of last 2 quarters. Loans grew 10.3% year-over-year to $3.586 billion, core deposits grew 13.6% to $2.878 billion, operating revenue increased 11% to $46.7 million, and net income rose 17% to $15.58 million in 2026-Q2. Management's trajectory is delivering consistent double-digit growth aligned with the 10% annual growth goal.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Our strong second quarter and first-half 2026 results position us to achieve our annual goal of 10% growth in loans, core deposits, revenue, and earnings.”
“Our momentum in the first quarter positions us to achieve our full-year target of 10% growth and above-average shareholder returns while maintaining disciplined risk management.”
Continue disciplined risk management practices to support growth and maintain asset quality and credit standards.
Stated as a priority in 2 of last 2 quarters. Non-performing assets decreased 6.0% from $40.5 million in 2026-Q1 to $38.1 million in 2026-Q2, improving the ratio of NPAs to total assets by 8 basis points to 0.86%. Management is delivering on disciplined risk management while supporting growth.
“Stable asset quality, with improved NPAs/Total Assets and NCOs/Avg Loans.”
“Our momentum in the first quarter positions us to achieve our full-year target of 10% growth and above-average shareholder returns while maintaining disciplined risk management.”
Focus on generating strong earnings growth and tangible book value expansion to provide above-average returns to shareholders.
Stated as a priority in 2 of last 2 quarters. Tangible book value per share grew 15.2% year-over-year to $44.38 in 2026-Q2, while diluted EPS increased from $1.35 to $1.84 over the same period. Management is delivering strong earnings growth and tangible book value expansion supporting above-average shareholder returns.
“Strong earnings continued to drive growth in tangible book value per share, producing a 15.2% increase compared to the prior-year quarter.”
“The Company’s strong earnings continued to drive growth in tangible book value per share, producing a 13.6% increase compared to the prior year quarter.”
Exit SBA 7(a) lending activities outside existing bank markets to focus on higher-return growth opportunities.
Newly stated in 2026-Q2. Management announced exiting out-of-market SBA 7(a) lending to focus on higher-return growth areas. The financial impact is expected to be minimal in 2026 with a modest earnings benefit in 2027. This is a strategic shift with limited current financial data to assess delivery.
“Our commitment to long-term profitability drove our decision to exit Small Business Administration 7(a) lending activities outside our existing bank market footprint.”
Sustain double-digit growth in core deposits to provide stable funding for loan portfolio expansion.
Over the trailing year it converted 0.87x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
13 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.