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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.

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%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

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

Metric

Value

Amount currency

USD

CIK code

0001521951

Company name

First Business Financial Services, Inc.

Country

United States

Country code

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

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

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

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

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%

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

Profitable years

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%

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

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

EPS growth years

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

Net income growth years

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

Revenue growth years

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

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

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%

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

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%

Metric	Value
Working capital	$-3.4B

Metric

Value

Working capital

$-3.4B

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%

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

Dividend payment date

2026-08-26

Dividend payment years

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%

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%

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

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%

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

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

First Business Financial Services, Inc. (FBIZ)

Price

Financial snapshot

Fair-value bridge

Latest news · FBIZ

Valuation

Profitability

Balance sheet

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Next earnings

Sector percentile context

All FBIZ indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

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Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FBIZ

Frequently asked questions