First Business Financial Services Q4 EPS $1.58; dividend raised 17% to $0.34

FIRST BUSINESS FINANCIAL SERVICES, INC.

2025-FY EPS reported $5.94 vs consensus $1.42 ▲ beat (+318.4%)

Net income available to common of $13.1M ($1.58 diluted EPS) vs $14.2M ($1.71) in Q4 2024; full-year EPS $5.94, up 14% YoY.
Quarterly cash dividend increased 17% to $0.34/share, marking the 14th consecutive annual increase.
Net interest margin 3.53% (3.63% excluding non-accrual reversals); efficiency ratio improved to 56.61%.
Non-performing assets rose to $43.9M (1.07% of assets) from $23.5M linked quarter, attributed to a single client.
Core deposits grew 11.5% and loans grew 8.4% YoY; tangible book value per share increased 13.7% YoY.

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