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Company Analysis

First Business Financial Servic FBIZ

A comprehensive view of key metrics, scores, and financial health for First Business Financial Servic

Overview of First Business Financial Services, Inc.

FBIZ NMS
Financial Services Banks - Regional Small Cap
First Business Financial Services, Inc. (FBIZ), is a Small Cap company, in the Banks - Regional industry, last closed at $51.97, about 15.6% overvalued vs fair value, +9.3% 1Y return, ranked 598/1004 in sector.
$51.97
-0.99%
As of March 13, 2026
Previous close • Vol 90d: 25.7%
52-Week Range
Market Cap
$433.58M
Enterprise Value
$660.86M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstbusiness.bank
HQ Madison, WI
Employees 365
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$24
$44
$82
Current: $51.97 -16% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$233.1M
19.6%%
Interest Expense
$110.6M
Net Interest Income
$124.2M
10.3%%
Total Revenue
$279.2M
82%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.4%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.5M
24.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Business Financial Servic's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBIZ's balance between Growth (33.3%), Profitability (29.7%), and Safety (37.0%). Growth 33% Safety 37% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

73th percentile vs peers
73
Key Signals
Rev Growth YoY 82.0% 72p Revenue CAGR 3Y 29.8% 84p Asset Growth YoY 5.9% 62p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (29.8%, 84th percentile)
  • Roe in top 20% of peers (14.3%, 88th percentile)
  • Roe in top 20% of peers (14.3%, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

65th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

81th percentile vs peers
81
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Business Financial Servic.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$43.87
- - -
-15.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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