)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
First Business Financial Services (FBIZ) investor relations material
First Business Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income available to common shareholders was $11.2M ($1.35/share) for Q2 2025, up from $10.2M ($1.23/share) year-over-year, with six-month net income at $22.2M ($2.66/share), up from $18.9M ($2.26/share) year-over-year.
Core deposits grew 11.4% annualized from the previous quarter and 9.7% year-over-year, supporting loan growth.
Loans increased 8.4% annualized from the linked quarter and 8.9% year-over-year, reflecting consistent demand.
Private Wealth Management assets under management reached $3.731B, with fee income up 8.3% year-over-year.
Operating revenue rose 8.1% year-over-year, and YTD operating revenue increased 10.3% over the first six months of 2024.
Financial highlights
Net interest income for Q2 2025 was $33.8M, up 10.6% year-over-year; six-month net interest income was $67.0M, up 11.6%.
Net interest margin was 3.67% in Q2 2025, stable year-over-year; adjusted NIM was 3.47%.
Tangible book value per share increased 13.6% year-over-year and 10.2% annualized from the prior quarter, reaching $38.54.
Efficiency ratio improved to 60.97% from 62.75% year-over-year.
Pre-tax, pre-provision adjusted earnings grew 18% year-over-year for the first half of 2025.
Outlook and guidance
Management targets a long-term net interest margin of 3.60%–3.65%; future performance may vary with interest rate changes and fee volatility.
Loan growth target of 10% remains in sight, with recent run rate at 8.9% over the last four quarters.
Effective tax rate expected between 16% and 18% for 2025.
Fee income expected to grow at a long-term target rate of 10% annually.
CEO succession plan announced: current CEO to retire in May 2026, with President/COO to succeed.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next First Business Financial Services earnings date
Q3 202531 Oct, 2025
Next First Business Financial Services earnings date
Q3 202531 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
First Business Financial Services Inc. is a bank holding company that provides a range of financial services primarily for businesses, executives, and high-net-worth individuals through its subsidiary, First Business Bank. The company’s services include business banking, commercial lending, treasury management, and specialty finance products such as asset-based lending and equipment financing. Additionally, First Business Financial Services offers private wealth management and trust services to help clients achieve long-term financial goals. First Business Financial Services Inc. is headquartered in Madison, Wisconsin, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage