(FBIZ) First Business Financial - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3193901002
Stock:
Total Rating 36
Risk 55
Buy Signal -0.01
| Risk 5d forecast | |
|---|---|
| Volatility | 32.5% |
| Relative Tail Risk | -12.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.31 |
| Alpha | -4.94 |
| Character TTM | |
|---|---|
| Beta | 0.792 |
| Beta Downside | 1.148 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.93% |
| CAGR/Max DD | 0.67 |
EPS (Earnings per Share)
Revenue
Description: FBIZ First Business Financial
First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. First Business Financial Services, Inc. was founded in 1909 and is headquartered in Madison, Wisconsin.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 50.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.38 > 1.0 |
| NWC/Revenue: -443.3% < 20% (prev -987.5%; Δ 544.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 45.6m > Net Income 50.3m |
| Net Debt (212.6m) to EBITDA (63.3m): 3.36 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.17m) vs 12m ago 0.77% < -2% |
| Gross Margin: 57.29% > 18% (prev 0.55%; Δ 5674 % > 0.5%) |
| Asset Turnover: 7.04% > 50% (prev 6.81%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.40 > 6 (EBITDA TTM 63.3m / Interest Expense TTM 110.6m) |
Altman Z'' -1.57
| A: -0.30 (Total Current Assets 46.7m - Total Current Liabilities 1.28b) / Total Assets 4.08b |
| B: 0.07 (Retained Earnings 294.8m / Total Assets 4.08b) |
| C: 0.01 (EBIT TTM 44.2m / Avg Total Assets 3.97b) |
| D: 0.10 (Book Value of Equity 371.6m / Total Liabilities 3.71b) |
| Altman-Z'' Score: -1.57 = D |
Beneish M
| DSRI: none (Receivables none/12.9m, Revenue 279.2m/262.4m) |
| GMI: 0.96 (GM 57.29% / 55.12%) |
| AQI: 1.14 (AQ_t 0.99 / AQ_t-1 0.86) |
| SGI: 1.06 (Revenue 279.2m / 262.4m) |
| TATA: 0.00 (NI 50.3m - CFO 45.6m) / TA 4.08b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of FBIZ shares?
As of February 25, 2026, the stock is trading at USD 55.19 with a total of 30,572 shares traded.
Over the past week, the price has changed by -6.01%, over one month by -1.92%, over three months by +8.74% and over the past year by +9.29%.
Over the past week, the price has changed by -6.01%, over one month by -1.92%, over three months by +8.74% and over the past year by +9.29%.
Is FBIZ a buy, sell or hold?
First Business Financial has received a consensus analysts rating of 4.40.
Therefore, it is recommended to buy FBIZ.
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FBIZ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 67.2 | 21.8% |
| Analysts Target Price | 67.2 | 21.8% |
FBIZ Fundamental Data Overview February 21, 2026
P/E Trailing = 9.6973
P/E Forward = 8.9606
P/S = 2.9675
P/B = 1.3076
P/EG = 1.89
Revenue TTM = 279.2m USD
EBIT TTM = 44.2m USD
EBITDA TTM = 63.3m USD
Long Term Debt = 266.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 74.8m USD (from shortTermDebt, two quarters ago)
Debt = 252.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 212.6m USD (from netDebt column, last quarter)
Enterprise Value = 680.1m USD (474.7m + Debt 252.1m - CCE 46.7m)
Interest Coverage Ratio = 0.40 (Ebit TTM 44.2m / Interest Expense TTM 110.6m)
EV/FCF = 15.11x (Enterprise Value 680.1m / FCF TTM 45.0m)
FCF Yield = 6.62% (FCF TTM 45.0m / Enterprise Value 680.1m)
FCF Margin = 16.11% (FCF TTM 45.0m / Revenue TTM 279.2m)
Net Margin = 18.02% (Net Income TTM 50.3m / Revenue TTM 279.2m)
Gross Margin = 57.29% ((Revenue TTM 279.2m - Cost of Revenue TTM 119.3m) / Revenue TTM)
Gross Margin QoQ = 57.49% (prev 58.71%)
Tobins Q-Ratio = 0.17 (Enterprise Value 680.1m / Total Assets 4.08b)
Interest Expense / Debt = 11.10% (Interest Expense 28.0m / Debt 252.1m)
Taxrate = 17.89% (2.90m / 16.2m)
NOPAT = 36.3m (EBIT 44.2m * (1 - 17.89%))
Current Ratio = 0.04 (Total Current Assets 46.7m / Total Current Liabilities 1.28b)
Debt / Equity = 0.68 (Debt 252.1m / totalStockholderEquity, last quarter 371.6m)
Debt / EBITDA = 3.36 (Net Debt 212.6m / EBITDA 63.3m)
Debt / FCF = 4.72 (Net Debt 212.6m / FCF TTM 45.0m)
Total Stockholder Equity = 352.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.27% (Net Income 50.3m / Total Assets 4.08b)
RoE = 14.27% (Net Income TTM 50.3m / Total Stockholder Equity 352.7m)
RoCE = 7.14% (EBIT 44.2m / Capital Employed (Equity 352.7m + L.T.Debt 266.7m))
RoIC = 5.94% (NOPAT 36.3m / Invested Capital 610.9m)
WACC = 8.93% (E(474.7m)/V(726.8m) * Re(8.83%) + D(252.1m)/V(726.8m) * Rd(11.10%) * (1-Tc(0.18)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.39%
[DCF] Terminal Value 78.06% ; FCFF base≈49.9m ; Y1≈60.6m ; Y5≈99.6m
[DCF] Fair Price = 145.0 (EV 1.42b - Net Debt 212.6m = Equity 1.21b / Shares 8.33m; r=8.93% [WACC]; 5y FCF grow 22.94% → 2.90% )
EPS Correlation: 68.27 | EPS CAGR: 12.38% | SUE: 1.08 | # QB: 2
Revenue Correlation: 90.77 | Revenue CAGR: 23.70% | SUE: 2.48 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.42 | Chg7d=-0.004 | Chg30d=+0.048 | Revisions Net=+2 | Analysts=5
EPS current Year (2026-12-31): EPS=6.04 | Chg7d=+0.015 | Chg30d=+0.058 | Revisions Net=+2 | Growth EPS=+1.7% | Growth Revenue=+7.8%
EPS next Year (2027-12-31): EPS=6.66 | Chg7d=-0.015 | Chg30d=+0.032 | Revisions Net=+2 | Growth EPS=+10.3% | Growth Revenue=+8.5%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 8.8% - Earnings Yield 10.3%)
[Growth] Growth Spread = +7.8% (Analyst 6.3% - Implied -1.5%)
P/E Forward = 8.9606
P/S = 2.9675
P/B = 1.3076
P/EG = 1.89
Revenue TTM = 279.2m USD
EBIT TTM = 44.2m USD
EBITDA TTM = 63.3m USD
Long Term Debt = 266.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 74.8m USD (from shortTermDebt, two quarters ago)
Debt = 252.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 212.6m USD (from netDebt column, last quarter)
Enterprise Value = 680.1m USD (474.7m + Debt 252.1m - CCE 46.7m)
Interest Coverage Ratio = 0.40 (Ebit TTM 44.2m / Interest Expense TTM 110.6m)
EV/FCF = 15.11x (Enterprise Value 680.1m / FCF TTM 45.0m)
FCF Yield = 6.62% (FCF TTM 45.0m / Enterprise Value 680.1m)
FCF Margin = 16.11% (FCF TTM 45.0m / Revenue TTM 279.2m)
Net Margin = 18.02% (Net Income TTM 50.3m / Revenue TTM 279.2m)
Gross Margin = 57.29% ((Revenue TTM 279.2m - Cost of Revenue TTM 119.3m) / Revenue TTM)
Gross Margin QoQ = 57.49% (prev 58.71%)
Tobins Q-Ratio = 0.17 (Enterprise Value 680.1m / Total Assets 4.08b)
Interest Expense / Debt = 11.10% (Interest Expense 28.0m / Debt 252.1m)
Taxrate = 17.89% (2.90m / 16.2m)
NOPAT = 36.3m (EBIT 44.2m * (1 - 17.89%))
Current Ratio = 0.04 (Total Current Assets 46.7m / Total Current Liabilities 1.28b)
Debt / Equity = 0.68 (Debt 252.1m / totalStockholderEquity, last quarter 371.6m)
Debt / EBITDA = 3.36 (Net Debt 212.6m / EBITDA 63.3m)
Debt / FCF = 4.72 (Net Debt 212.6m / FCF TTM 45.0m)
Total Stockholder Equity = 352.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.27% (Net Income 50.3m / Total Assets 4.08b)
RoE = 14.27% (Net Income TTM 50.3m / Total Stockholder Equity 352.7m)
RoCE = 7.14% (EBIT 44.2m / Capital Employed (Equity 352.7m + L.T.Debt 266.7m))
RoIC = 5.94% (NOPAT 36.3m / Invested Capital 610.9m)
WACC = 8.93% (E(474.7m)/V(726.8m) * Re(8.83%) + D(252.1m)/V(726.8m) * Rd(11.10%) * (1-Tc(0.18)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.39%
[DCF] Terminal Value 78.06% ; FCFF base≈49.9m ; Y1≈60.6m ; Y5≈99.6m
[DCF] Fair Price = 145.0 (EV 1.42b - Net Debt 212.6m = Equity 1.21b / Shares 8.33m; r=8.93% [WACC]; 5y FCF grow 22.94% → 2.90% )
EPS Correlation: 68.27 | EPS CAGR: 12.38% | SUE: 1.08 | # QB: 2
Revenue Correlation: 90.77 | Revenue CAGR: 23.70% | SUE: 2.48 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.42 | Chg7d=-0.004 | Chg30d=+0.048 | Revisions Net=+2 | Analysts=5
EPS current Year (2026-12-31): EPS=6.04 | Chg7d=+0.015 | Chg30d=+0.058 | Revisions Net=+2 | Growth EPS=+1.7% | Growth Revenue=+7.8%
EPS next Year (2027-12-31): EPS=6.66 | Chg7d=-0.015 | Chg30d=+0.032 | Revisions Net=+2 | Growth EPS=+10.3% | Growth Revenue=+8.5%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 8.8% - Earnings Yield 10.3%)
[Growth] Growth Spread = +7.8% (Analyst 6.3% - Implied -1.5%)