First Business Financial Services, Inc. (FBIZ)

NASDAQ: FBIZ · USD

$72.4

-0.39 (-0.5%)· Recorded snapshot

Market cap	605.8M
Revenue (ttm)	169.4M
Net income (ttm)	53.7M
EPS (ttm)	$6.56
Shares out	8.4M
P/E (trailing)	11.0x
P/E (forward)	10.9x
Dividend	$1.36 (1.87%)
Volume	41,620
Beta	0.66

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 169.4M
Net income (ttm): 53.7M
EPS (ttm): $6.56
P/E (trailing): 11.0x
P/E (forward): 10.9x
Market cap: 605.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.9

P25 n/aP50 n/aP75 n/a

Trailing P/E11

P25 n/aP50 n/aP75 n/a

ROE15

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All FBIZ indicators

Market & fundamental data

Available fields

250

Groups with data

Currency

USD

Showing 250 of 250 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001521951
Company name	First Business Financial Services, Inc.
Country	United States
Country code	US
CUSIP number	319390100
Earnings date	2026-10-29
Earnings time	amc
Employees	355
Employees change	-13
Employees growth	-3.53%
Enterprise value	$919.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1909
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US3193901002
Last 10-K release date	2026-02-25
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2015-08-31
Last stock split type	Forward
Market cap	$605.8M
Market cap category	Small-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$72.39
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	FBIZ
U.S. state	Wisconsin
Website	https://www.firstbusiness.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	11.04x
Average P/E ratio (10Y)	10.21x
Average P/E ratio (3Y)	8.96x
Average P/E ratio (5Y)	8.3x
Earnings yield	9.06%
EV/Earnings	17.13x
EV/FCF	11.36x
EV/Sales	5.43x
FCF / EV yield	8.8%
FCF yield	13.37%
Forward EV/Sales	4.83x
Forward P/E	10.86x
Forward P/S	3.18x
Graham number	82.20214
Graham upside	13.65%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$93.24
Lynch upside	28.91%
P/B ratio	1.59x
P/E ratio	11.04x
P/FCF ratio	7.48x
P/OCF ratio	7.44x
P/S ratio	3.57x
Price / tangible book value	1.63x
Sector forward P/E	13.23x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	14.34%
FCF margin	47.75%
Operating margin	40.22%
Pretax margin	38.24%
Profit margin	32.76%
Profit per employee	$151,152
Profitable quarters	64
Profitable years	25
Revenue per employee	$477,276
ROA	1.32%
ROA (5Y)	1.29%
ROE	15%
ROE (5Y)	15.01%
SBC / revenue	1.64%
Tax / revenue	5.48%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	17.11%
EPS growth (Q)	36.3%
EPS growth (QoQ)	28.07%
EPS growth 10Y	13.07%
EPS growth 3Y	13.74%
EPS growth 5Y	14.86%
EPS growth quarters	2
EPS growth years	2
FCF growth	28.29%
FCF growth (Q)	181.21%
FCF growth (QoQ)	1,396.23%
FCF growth 3Y	26.13%
FCF growth 5Y	15.11%
Net income growth	16.77%
Net income growth (Q)	36.4%
Net income growth (QoQ)	28.63%
Net income growth 3Y	13.78%
Net income growth 5Y	14.22%
Net income growth quarters	2
Net income growth years	2
OCF growth	29.4%
OCF growth (Q)	176.39%
OCF growth (QoQ)	1,335.4%
OCF growth 10Y	11.15%
OCF growth 3Y	22.45%
OCF growth 5Y	15.1%
Revenue growth	12.24%
Revenue growth (Q)	16.45%
Revenue growth (QoQ)	8.01%
Revenue growth 10Y	8.55%
Revenue growth 3Y	8.07%
Revenue growth 5Y	9.88%
Revenue growth quarters	12
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-484,000
EPS	$6.56
FCF per share	$9.67
Financing cash flow	$344.5M
Free cash flow	$80.9M
Gross profit	$169.4M
Income taxes	$9.3M
Investing cash flow	$-385.7M
Net borrowing	$70.7M
Net cash flow	$40.2M
Net income	$53.7M
Operating income	$68.1M
Revenue	$169.4M
Stock-based compensation	$2.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$45.81
Debt / equity	0.99
Debt / FCF	4.86
Net cash (debt)	$-314.1M
Net cash / market cap	-51.9%
Net debt / equity	0.79
Net debt / FCF	3.88
Piotroski F-Score	4
Property, plant and equipment	$9.1M
Shareholders' equity	$395.3M
Tangible book value	$371.4M
Tangible book value per share	$44.38
Total assets	$4.4B
Total cash	$79.1M
Total debt	$393.2M
Total liabilities	$4B
WACC	4.79%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-3.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.47%
Dividend growth	16.96%
Dividend growth (10Y)	10.79%
Dividend growth (3Y)	14.18%
Dividend growth (5Y)	13.19%
Dividend growth years	13
Dividend payment date	2026-08-26
Dividend payment years	22
Dividend payout frequency	Quarterly
Dividend per share	$1.36
Dividend yield	1.87%
Ex-dividend date	2026-08-12
FCF payout ratio	13.55%
Last dividend	$0.34
Payout ratio	19.98%
Shareholder yield	1.4%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	220.88%
10Y return CAGR	15.34%
10Y total return	316.5%
150-day SMA	$64.26
15Y price change	845.66%
15Y return CAGR	18.9%
15Y total return	1,242.4%
1D price change	-0.54%
1M price change	2.64%
1M total return	2.64%
1W price change	2.1%
1W total return	2.1%
1Y price change	44.12%
1Y return CAGR	47.42%
1Y total return	47.38%
20-day SMA	$70.82
200-day SMA	$62.16
20Y price change	555.11%
20Y return CAGR	12.38%
20Y total return	931.39%
3M price change	7.28%
3M total return	7.79%
3Y price change	144.56%
3Y return CAGR	38.03%
3Y total return	163.02%
50-day SMA	$70.75
50-day SMA vs 200-day SMA	50over200
52-week high	$73.74
52-week high date	2026-09-14
52-week low	$47.87
52-week low date	2025-10-31
5Y price change	156.7%
5Y return CAGR	23.77%
5Y total return	190.35%
6M price change	26.82%
6M total return	28.2%
All-time high	$73.74
All-time high date	2026-09-14
All-time low	$3.75
All-time low date	2009-08-26
Average true range (ATR)	$1.47
Average volume	61.8K
Beta (1Y)	0.31
Beta (2Y)	0.72
Beta (5Y)	0.66
Change from 52-week high	-1.83%
Change from 52-week low	51.24%
Change from all-time high	-1.83%
Change from all-time low	1,830.4%
Change from open	0%
Day's gap	-0.54%
Dollar volume	$3M
High price	$72.39
Low price	$72.39
Monthly RSI	74.81
Open price	$72.39
Premarket change	-0.11%
Premarket close	$72.78
Premarket price	$72.70
Previous close	$72.78
Price vs 150-day SMA	12.65%
Price vs 20-day SMA	2.21%
Price vs 200-day SMA	16.46%
Price vs 50-day SMA	2.32%
Relative volume	0.68
RSI	59.25
Sharpe ratio	1.63
Sharpe ratio (3Y)	1.08
Sharpe ratio (5Y)	0.73
Sortino ratio	2.99
Sortino ratio (3Y)	1.94
Sortino ratio (5Y)	1.35
Volume	41.6K
Weekly RSI	66.5
YTD price change	33.32%
YTD total return	35.55%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	7.8M
Float percentage	93.57%
Shares change (QoQ)	0.27%
Shares change (YoY)	0.47%
Shares held by insiders	6.43%
Shares held by institutions	74.8%
Shares outstanding	8.4M
Short % of float	4.85%
Short % of shares	4.54%
Short ratio	6 days

Deeper analysis on FBIZ

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this FBIZ report

Is a complete FBIZ research report available?

No complete published report is available for First Business Financial Services, Inc. (FBIZ) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

First Business Financial Services, Inc. (FBIZ)

Price

Financial snapshot

Fair-value bridge

Latest news · FBIZ

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FBIZ indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FBIZ

Frequently asked questions