Filing Flows › First Business Financial Services (FBIZ) › Q3 2026 › vs Q3 2025
First Business Financial Services (FBIZ) Q3 2026 vs Q3 2025 (year over year)
First Business Financial Services's revenue rose $3.0M (+7%) from $44.5M in Q3 2025 to $47.5M in Q3 2026. The biggest changes: Net interest income +$4.2M (+12%); Noninterest income −$1.2M (-13%). Operating margin 41.0% against 39.0% (+1.9 pts).
First Business Financial Services, Q3 2026: revenue $47.5M (+7% year over year), operating margin 41.0%, net earnings $16.6M, operating cash flow $5.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 41.0% | 39.0% | +1.9 pts |
| Net margin | 34.9% | 32.3% | +2.6 pts |
| Free cash flow margin | 10.9% | 41.0% | -30.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $39.1M | $34.9M | $4.2M | +12% |
| Noninterest income | $8.4M | $9.6M | −$1.2M | -13% |
| Revenue | $47.5M | $44.5M | $3.0M | +7% |
| Operating profit | $19.5M | $17.4M | $2.1M | +12% |
| Costs & expenses | $28.0M | $27.1M | $908K | +3% |
| Pre-tax earnings | $19.5M | $17.4M | $2.1M | +12% |
| Credit loss provision | $1.9M | $1.4M | $503K | +35% |
| Noninterest expense | $26.1M | $25.7M | $405K | +2% |
| Net earnings | $16.6M | $14.4M | $2.2M | +15% |
| Income tax | $2.9M | $3.0M | −$106K | -4% |
| Depreciation & amortization | $1.0M | $1.0M | −$3K | -0.3% |
| Share-based compensation | $707K | $585K | $122K | +21% |
| Working capital & other | $12.8M | −$2.4M | $15.2M | — |
| Operating cash flow | $5.5M | $18.4M | −$12.9M | -70% |
| Free cash flow (OCF − capex) | $5.2M | $18.3M | −$13.1M | -72% |
| Capital expenditures | $300K | $146K | $154K | +105% |
Questions
How much did First Business Financial Services's revenue grow year over year in Q3 2026?
First Business Financial Services's revenue rose $3.0M (+7%) from $44.5M in Q3 2025 to $47.5M in Q3 2026.
What drove First Business Financial Services's revenue change in Q3 2026?
Net interest income +$4.2M (+12%); Noninterest income −$1.2M (-13%).