First Business Financial Services posts record Q4 net income $14.2M, EPS $1.71

FIRST BUSINESS FINANCIAL SERVICES, INC.

2024-FY EPS reported $5.20

Q4 net income available to common $14.2M, EPS $1.71 vs $9.6M/$1.15 in Q4 2023.
Net interest margin expanded to 3.77% from 3.64% in Q3 2024; net interest income up 6.9% linked.
Loans grew $63.6M (8.3% annualized) from Q3 to $3.113B; YoY loan growth 9.3%.
Record operating revenue $41.2M, up 8.1% linked and 12.3% YoY; PTPP income record $17.7M.
Reported EPS includes $0.28/sh tax and SBA recourse benefits; adjusted EPS $1.43.

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