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First Business Financial Services, Inc. FBIZ

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Price alert · FBIZ

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77.77 USD +2.37 +3.14%

At close · Nov 2

77.77 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
77.77 × 2
Ask
77.87 × 2
75.84 Day range 78.07
49.36 52-week range 78.07
YTD
+43.22%
1 year
+53.67%
Open
75.84
Prev close
75.40
Mkt cap
647.72M
Vol
87.84K
Avg vol
64.94K
EPS
7.02
P/E
11.08
Div yield
2.18%
More statistics
Low
75.84
High
78.07
Forward P/E
8.69
Beta
0.83
Short ratio
0.74
Inst. own
67.47%
Dividend
1.00
Ex-div date
Nov 6, 2024
Earnings
Jan 23, 2025
50-d avg
47.58
200-d avg
40.57
1y target
55.60

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Financial health

Altman Z-Score

1.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 9.0×
FY 2016: 13.9×FY 2017: 16.3×FY 2018: 10.5×FY 2019: 9.8×FY 2020: 9.3×FY 2021: 7.0×FY 2022: 7.7×FY 2023: 9.3×FY 2024: 8.9×FY 2025: 9.0×
FY 2016 5y median 8.9× FY 2025
P/S 1.6×
FY 2016: 2.2×FY 2017: 2.1×FY 2018: 1.6×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 2.0×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
P/B 1.2×
FY 2016: 1.3×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.2×FY 2020: 0.7×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 7.3×
FY 2016: 8.0×FY 2017: 9.0×FY 2018: 6.9×FY 2019: 7.8×FY 2020: 5.9×FY 2021: 6.8×FY 2022: 8.5×FY 2023: 6.6×FY 2024: 6.6×FY 2025: 7.3×
FY 2016 5y median 6.8× FY 2025
EV/EBITDA 10.5×
FY 2016: 10.5×FY 2017: 22.5×FY 2018: 20.4×FY 2019: 17.9×FY 2020: 24.5×FY 2021: 11.9×FY 2022: 11.8×FY 2023: 10.4×FY 2024: 10.0×FY 2025: 10.5×
FY 2016 5y median 10.5× FY 2025
EV/Sales 2.4×
FY 2016: 2.1×FY 2017: 4.0×FY 2018: 3.6×FY 2019: 4.1×FY 2020: 4.5×FY 2021: 4.9×FY 2022: 4.4×FY 2023: 2.3×FY 2024: 2.1×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
FCF Yield 13.8%
FY 2016: 12.6%FY 2017: 11.1%FY 2018: 14.4%FY 2019: 12.8%FY 2020: 17.1%FY 2021: 14.7%FY 2022: 11.8%FY 2023: 15.2%FY 2024: 15.2%FY 2025: 13.8%
FY 2016 5y median 14.7% FY 2025

Profitability

Gross Margin 57.3%
FY 2016: 73.3%FY 2017: 73.7%FY 2018: 70.8%FY 2019: 71.6%FY 2020: 71.4%FY 2021: 95.5%FY 2022: 87.3%FY 2023: 60.0%FY 2024: 55.1%FY 2025: 57.3%
FY 2016 5y median 60.0% FY 2025
Operating Margin 21.6%
FY 2016: 18.5%FY 2017: 15.9%FY 2018: 16.4%FY 2019: 20.2%FY 2020: 15.4%FY 2021: 37.9%FY 2022: 34.6%FY 2023: 20.8%FY 2024: 19.5%FY 2025: 21.6%
FY 2016 5y median 21.6% FY 2025
Net Margin 18.0%
FY 2016: 16.1%FY 2017: 13.3%FY 2018: 15.2%FY 2019: 19.2%FY 2020: 14.3%FY 2021: 28.8%FY 2022: 27.1%FY 2023: 16.4%FY 2024: 16.9%FY 2025: 18.0%
FY 2016 5y median 18.0% FY 2025
ROE 13.5%
FY 2016: 9.2%FY 2017: 7.0%FY 2018: 9.0%FY 2019: 12.0%FY 2020: 8.2%FY 2021: 15.4%FY 2022: 15.7%FY 2023: 12.8%FY 2024: 13.5%FY 2025: 13.5%
FY 2016 5y median 13.5% FY 2025
ROIC 1.2%
FY 2016: 6.4%FY 2017: 3.1%FY 2018: 3.3%FY 2019: 4.2%FY 2020: 2.4%FY 2021: 5.3%FY 2022: 5.2%FY 2023: 5.2%FY 2024: 5.9%FY 2025: 1.2%
FY 2016 5y median 5.2% FY 2025
ROA 1.2%
FY 2016: 0.8%FY 2017: 0.7%FY 2018: 0.8%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 1.3%FY 2022: 1.4%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 6.4%
FY 2016: 3.3%FY 2017: -2.9%FY 2018: 19.7%FY 2019: 13.0%FY 2020: -2.2%FY 2021: 4.5%FY 2022: 21.5%FY 2023: 50.0%FY 2024: 16.0%FY 2025: 6.4%
FY 2016 FY 2025
Operating Income 18.2%
FY 2016: -31.4%FY 2017: -16.6%FY 2018: 24.1%FY 2019: 38.8%FY 2020: -25.3%FY 2021: 156.9%FY 2022: 11.1%FY 2023: -9.8%FY 2024: 8.5%FY 2025: 18.2%
FY 2016 FY 2025
EPS (diluted) 16.5%
FY 2016: -10.0%FY 2017: -20.5%FY 2018: 36.8%FY 2019: 44.1%FY 2020: -26.5%FY 2021: 111.7%FY 2022: 13.9%FY 2023: -8.8%FY 2024: 20.1%FY 2025: 16.5%
FY 2016 FY 2025
Free Cash Flow 6.7%
FY 2016: 14.0%FY 2017: -17.2%FY 2018: 14.9%FY 2019: 18.3%FY 2020: -8.3%FY 2021: 35.0%FY 2022: -0.5%FY 2023: 39.5%FY 2024: 15.9%FY 2025: 6.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 0.4×FY 2017: 1.3×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 2.1×FY 2021: 1.8×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 0.7×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 3.6×
FY 2016: -0.4×FY 2017: 10.5×FY 2018: 11.6×FY 2019: 9.8×FY 2020: 17.4×FY 2021: 7.2×FY 2022: 6.5×FY 2023: 3.9×FY 2024: 3.1×FY 2025: 3.6×
FY 2016 5y median 3.9× FY 2025
Interest Coverage 0.5×
FY 2016: 1.2×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 1.1×FY 2021: 4.1×FY 2022: 2.3×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 2.1%FY 2017: 2.4%FY 2018: 2.9%FY 2019: 2.3%FY 2020: 3.7%FY 2021: 2.5%FY 2022: 2.5%FY 2023: 2.6%FY 2024: 2.4%FY 2025: 2.4%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 21.0%
FY 2016: 28.0%FY 2017: 38.1%FY 2018: 30.2%FY 2019: 22.4%FY 2020: 33.3%FY 2021: 17.2%FY 2022: 18.0%FY 2023: 22.8%FY 2024: 20.8%FY 2025: 21.0%
FY 2016 5y median 20.8% FY 2025

Annual · latest fiscal year ends 2025-12-31