First Business Financial Services, Inc. (FBIZ)

NMS – Real Time Price. Currency in USD

70.95

-0.09 (-0.13%)

Market open: Aug 12, 2026, 3:55 PM EDT

71.38

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 71.12$
Day's range: 70.21 - 71.7$
52-week range: 46.07 - 73.48$
Volume: 50 550
Average volume: 73 368
Beta: 0.36
EPS (TTM): 6.56
PE ratio (TTM): 10.84
Forward P/E: 10.91
Market cap: 595 154 974
Shares outstanding: 8 368 321
Dividend yield: $1.77 (1.77%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receiva... read more

CEO: David Seiler
Country: United States
IPO Date
Employees: 355
Fiscal Year End: January - December
Website: https://www.firstbusiness.bank

Revenue Breakdown

Commercial Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: FBIZ

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Overall Score

5.3 / 1053%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $353.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.9) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $43.6M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.06	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.89	0.05	6.0
Debt to Assets	0.08	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	148M	223M	260M	278M	288M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	49M	44M	49M	59M	65M
Net Income	40M	36M	43M	49M	55M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	35.96	0.44	10
Net margin %	32.86	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	59.51	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.26	1.46	3.0
ROE	14.49	14.94	7.0
ROIC	9.68	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	5.66	-2.35	3.0
Next quarter	12.5	5.95	6.0
Current year	10.06	9.76	6.5
Next year	6.97	6.23	5.0
Weighted average score			5.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	4.13	28.11	27.78	1327.68	8.5
Y/Y	7.37	36.84	36.3	180.74	8.8
3y average	24.82	8.26	8.5	27.69	8.0
5y average	19.35	29.79	30.22	20.72	9.8
Weighted average score					8.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.84	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.27	3.37	4.4
P/B	1.55	1.53	5.6
Weighted average score			4.5

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.47%

FCF 5 year CAGR4

Fair value100.13$

Stock price71.12$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.25	2.25	7.0
Payout ratio	19.43	19.43	3.0
5-year dividend growth rate	11.94	11.94	10
Years of dividend increase	13.00	13.00	8.0
Weighted average score			7.0

Fair Value

$100.13

UndervaluedStock priceOvervalued

$71.12

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

David Seiler

Country

United States

IPO Date

Employees

355

Fiscal Year End

January - December

Website

https://www.firstbusiness.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.06

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.89

0.05

6.0

Debt to Assets

0.08

0.09

9.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

148M

223M

260M

278M

288M

Gross Profit

N/A

Operating Income

49M

44M

49M

59M

65M

Net Income

40M

36M

43M

49M

55M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

35.96

0.44

Net margin %

32.86

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

59.51

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.26

1.46

3.0

ROE

14.49

14.94

7.0

ROIC

9.68

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

5.66

-2.35

3.0

Next quarter

12.5

5.95

6.0

Current year

10.06

9.76

6.5

Next year

6.97

6.23

5.0

Weighted average score

5.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

4.13

28.11

27.78

1327.68

8.5

Y/Y

7.37

36.84

36.3

180.74

8.8

3y average

24.82

8.26

8.5

27.69

8.0

5y average

19.35

29.79

30.22

20.72

9.8

Weighted average score

8.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.84

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.27

3.37

4.4

P/B

1.55

1.53

5.6

Weighted average score

4.5

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.25

7.0

Payout ratio

19.43

3.0

5-year dividend growth rate

11.94

Years of dividend increase

13.00

8.0

Weighted average score

7.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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First Business Financial Services, Inc. (FBIZ)

Stock details

About the company

Revenue Breakdown

News

Chart: FBIZ

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$100.13

$71.12

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FBIZ

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$100.13

$71.12

Economic Moat