FBIZ Q3 FY2026 earnings: results, stock reaction and implied move

Reported results

Net income available to common shareholders was $16.354 million, or $1.95 per diluted share, for the third quarter of 2026.
Net interest income was $39.078 million for the third quarter of 2026.
Non-GAAP pre-tax, pre-provision adjusted earnings reached $21.321 million for the third quarter of 2026.
Non-GAAP total operating expense was $26.186 million, compared to GAAP total non-interest expense of $26.105 million for the third quarter of 2026.
Non-GAAP tangible book value per share was $45.56 as of September 30, 2026, compared to GAAP book value per share of $46.98.
Net interest margin was 3.80% for the third quarter of 2026.

The Company expects to report a full year 2026 effective tax rate between 13% and 15%.
Net interest margin is expected to remain above the Company’s long-term target range of 3.60% to 3.65% during the fourth quarter of 2026, but moderate from the third-quarter level as fee income normalizes.
Operating expense run rate is expected to increase from the third-quarter level.
The Company continues to expect modest positive operating leverage annually.
Investments are integral to the long-term model of approximately 10% annual balance sheet growth.

The figures above come from the earnings release the company filed with the SEC on 2026-10-29 (8-K, Item 2.02). Read the original filing on sec.gov.