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First Business Financial Services, Inc. FBIZ R2K

Financial Services · Banks - Regional · United States
https://www.firstbusiness.bank
Company Profile ↓
$63.30
+19.45% 1Y
Mkt Cap$529.33M
P/E10.45
P/B1.37
Div. Yield2.08%
52W High$64.76
52W Low$45.59
Book Value$44.12
EPS (TTM)$6.06

Company Overview

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 receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 10.4, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 31.5%.

Dividend Income

Offers a dividend yield of 2.08%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $168.63M (+9.9% YoY); net profit $50.32M.
  • Trailing 12 Months Year-on-year growth — revenue +8.3%, earnings +9.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 9.7%, profit CAGR 7.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:9.67%
1 Year:8.30%

Compounded Profit Growth

5 Years:7.19%
1 Year:9.00%

Stock Price Performance

1 Year:+19.45%
6 Months:+16.25%
3 Months:+8.45%
1 Month:+5.91%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$45.59 $64.76
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.32 · Neutral
Price Performance
1M+5.91%
3M+8.45%
6M+16.25%
1Y+19.45%
Valuation vs Sector

P/E of 10.45 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.5%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.45
Industry PE
13.30
Forward P/E
9.44
PEG Ratio
1.24
Book Value
$44.12
Price to Book
1.37
P/S
3.11
EV/EBITDA
-
Dividend Yield
2.08%

Growth (CAGR)

Revenue 5Y
9.67%
Profit 5Y
7.19%
Revenue (YoY)
8.30%
Earnings (YoY)
9.00%

Profitability & Returns

ROCE
-
ROE
14.34%
ROA
1.24%
Profit Margin
31.48%
Op Margin
36.99%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.44
EPS (TTM)
$6.06

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$346.34M
Total Assets
$4.32B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.84%
Chg in Prom Hold
-
FII / Inst Holding
71.46%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$529.33M
Total Revenue (TTM)
$163.13M
EBITDA
-
Free Cash Flow
$61.10M
Operating Cash Flow
$53.45M
Shares Outstanding
8.36M
Gross Margin
0.00%
Payout Ratio
19.97%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FBIZ First Business Financial Services, Inc. R2K 63.30 10.45 $529.33M 2.08% - 14.34% 9.67% 7.19%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Net Income 3.72M2.67M3.97M3.40M1.89M2.58M4.04M3.65M3.29M5.30M4.06M5.90M6.57M5.08M5.77M3.28M3.32M4.29M6.08M9.73M8.23M9.20M8.59M8.67M11.20M10.83M10.16M8.98M8.34M9.94M9.77M8.85M10.46M10.53M14.41M11.17M11.42M14.39M13.33M12.20M
Diluted EPS 0.430.310.460.390.220.300.460.420.380.600.460.670.750.590.670.380.380.500.711.120.951.071.011.021.291.251.181.050.981.171.151.041.231.241.711.321.351.701.581.44

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------127.85M143.90M153.46M168.63M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------22.95M82.34M108.92M110.62M
Pretax Income ------------52.24M47.14M51.15M60.45M
Tax Provision ------------11.39M10.11M6.91M10.13M
Net Income 941.00K8.43M8.93M13.75M14.14M16.51M14.91M11.90M16.30M23.32M16.98M-40.86M37.03M44.24M50.32M
Diluted EPS 0.373.233.291.741.751.901.711.361.862.681.97-4.754.335.205.94

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.11B1.18B1.23B1.27B1.63B1.78B1.78B1.79B1.97B2.10B2.57B2.65B2.98B3.51B3.85B4.08B
Total Equity 54.39M55.34M64.21M99.54M109.28M137.75M150.83M161.65M169.28M180.71M194.16M206.16M232.42M260.64M289.59M328.59M371.58M
Cash & Equivalents 112.74M50.82M130.09M85.59M103.24M103.24M113.56M77.52M52.54M86.55M67.10M56.91M57.11M102.68M139.51M157.70M39.48M
Long Term Debt --49.80M22.24M-------------
Total Liabilities -1.05B1.11B1.13B1.16B1.49B1.63B1.62B1.62B1.79B1.90B2.36B2.42B2.72B3.22B3.52B3.71B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 11.81M17.58M16.00M15.90M11.87M23.22M26.16M22.41M25.28M28.98M26.64M35.99M38.65M52.29M57.49M61.70M
Investing Cash Flow -60.88M716.00K-99.81M-54.92M-332.75M-149.59M-44.31M-46.35M-137.85M-131.50M-454.51M-111.01M-245.27M-506.85M-328.47M-373.38M
Financing Cash Flow -12.85M60.98M39.30M34.71M342.83M136.69M-17.90M-1.03M146.58M83.07M417.68M75.22M252.19M491.38M289.17M193.47M
Capital Expenditure -------------3.22M-2.88M-223.00K-595.00K
Free Cash Flow ------------35.42M49.41M57.27M61.10M
Share Buybacks 55.00K103.00K216.00K1.78M1.79M946.00K467.00K323.00K533.00K7.25M1.67M5.48M6.13M2.97M1.27M1.39M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------------32.0%25.7%28.8%29.8%
ROE % 1.7%13.1%9.0%12.6%10.3%10.9%9.2%7.0%9.0%12.0%8.2%-15.7%12.8%13.5%13.5%
ROCE % ----------------

Shareholding Pattern

Insiders
4.84%
Institutions
71.46%
Public Float
75.09%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.41% 870.20K $55.45M
2 Dimensional Fund Advisors LP 5.98% 499.72K $31.84M
3 First Business Financial Services, Inc. 4.32% 361.31K $23.02M
4 Vanguard Capital Management LLC 4.07% 340.54K $21.70M
5 Manufacturers Life Insurance Co. 2.93% 244.79K $15.60M
6 American Century Companies Inc 2.87% 240.14K $15.30M
7 Geode Capital Management, LLC 2.39% 199.77K $12.73M
8 State Street Corporation 2.08% 173.72K $11.07M
9 BANC FUNDS CO LLC 1.99% 166.22K $10.59M
10 Cutler Capital Management, LLC 1.85% 154.59K $9.85M

Analyst View

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Latest News

Recent headlines for FBIZ

Google News Mon, 13 Jul 2026

First Business Financial Services (FBIZ) Could Be a Great Choice - Yahoo Finance

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Google News Mon, 06 Jul 2026

First Business Bank sets July 31 call after Q2 results - Stock Titan

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Google News ue, 23 Jun 2026

First Business Financial Services (FBIZ) Stock Draws Fresh Price Target Split On Earnings Visibility - Yahoo Finance

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Google News hu, 25 Jun 2026

FBIZ Forecast — Price Target — Prediction for 2027 - TradingView

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Google News ue, 07 Jul 2026

(FBIZ) Risk Channels and Responsive Allocation - Stock Traders Daily

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Google News Sat, 04 Jul 2026

If You Invested $1,000 in First Business Finl Svcs Inc W (FBIZ) - Stock Titan

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FBIZ — Frequently Asked Questions

What is the current share price of First Business Financial Services, Inc. (FBIZ)?

As of 2026-07-14 21:23 PDT, First Business Financial Services, Inc. (FBIZ) trades at $63.30 on NasdaqGS. Its 52-week range is $45.59 to $64.76.

What is the market capitalisation of FBIZ?

First Business Financial Services, Inc. (FBIZ) has a market capitalisation of $529.33M on NasdaqGS.

What is the P/E ratio of FBIZ?

FBIZ trades at a trailing price-to-earnings (P/E) ratio of 10.45. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.37.

Does FBIZ pay a dividend?

First Business Financial Services, Inc. (FBIZ) currently offers a dividend yield of 2.08%.

What is the return on equity (ROE) of FBIZ?

FBIZ has a return on equity (ROE) of 14.34%.

Is FBIZ a good stock to buy?

This page provides a data-driven analysis of First Business Financial Services, Inc. (FBIZ), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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