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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 Framework: Banks & Lenders Small Cap
First Business Financial Services, Inc. (FBIZ), is a Small Cap company, in the Banks - Regional industry, last closed at $66.14, about 29.6% overvalued vs fair value, +38.7% 1Y return, ranked 591/1078 in sector.
Metrics P/E 9.0× Rev Growth 9.9% ROE 14.4% Gross Margin 94.9% Div Yield 2.34%
USD 66.14
0.61%
(Delayed)
• Vol 90d: 22.7%
52-Week Range
Market Cap
$527.30M
Enterprise Value
$700.66M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jun 15
Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$26
$47
$87
Current: $66.14 -30% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$247.3M
6.1%%
Interest Expense
$110.6M
Net Interest Income
$136.7M
10.1%%
Total Revenue
$168.6M
9.9%%
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
13.5%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$12.0M
24.6% 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
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
73
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBIZ's balance between Growth (36.0%), Profitability (44.6%), and Safety (19.4%). Growth 36% Safety 19% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 5.9% 59p NII Growth YoY 10.1% 50p Equity Growth YoY 13.6% 69p EPS Growth YoY 13.9% 44p
Strengths
  • ROE in top 20% of peers (14.4%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

30th percentile vs peers
30
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$46.55
- - -
-29.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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