First Business Financial Services reported fourth-quarter earnings of $1.58 per share for the period ended December 31, 2025, surpassing the Zacks Consensus Estimate of $1.38 and representing a 10.5% increase from the $1.43 earned in Q4 2024. This two-cent beat versus the prior quarter’s estimate reflects improved net interest income driven by a 22 basis-point expansion in net interest margin and a 5% rise in average earning assets. Management highlighted disciplined credit monitoring, which maintained nonperforming assets at 0.40% of total loans, along with a 3.8% sequential increase in fee income stemming from higher treasury and cash management services. Investors will be watching capital ratios, where Tier 1 leverage stood at 9.9% at year-end, to assess First Business’s capacity for dividend stability and potential share repurchases in 2026.