---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-029321"
form_type: "8-K"
ticker: "FBIZ"
cik: "0001521951"
company_name: "FIRST BUSINESS FINANCIAL SERVICES, INC."
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:25:25.302418+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-029321
- form_type: 8-K
- ticker: FBIZ
- cik: 0001521951
- company_name: FIRST BUSINESS FINANCIAL SERVICES, INC.
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1521951/000119312526029321/0001193125-26-029321-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1521951/000119312526029321/fbiz-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-029321
- JSON: https://secwatch.observer/filing/0001193125-26-029321.json
- Plain text: https://secwatch.observer/filing/0001193125-26-029321.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.