(FBIZ) First Business Financial - Ratings and Ratios
Commercial, Loans, Leasing, Treasury, Accounts
FBIZ EPS (Earnings per Share)
FBIZ Revenue
Description: FBIZ First Business Financial
First Business Financial Services, Inc. (NASDAQ:FBIZ) is a bank holding company that provides a comprehensive range of commercial banking products and services to small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in the Midwest region of the United States. The companys diverse product offerings include commercial real estate lending, asset-based lending, treasury management solutions, and private wealth management services, among others.
From a financial perspective, FBIZ has a market capitalization of approximately $392 million, indicating a relatively modest size compared to larger regional banks. However, its return on equity (ROE) of 14.53% suggests a strong ability to generate profits from shareholder capital. Additionally, the companys price-to-earnings (P/E) ratio of 8.60 and forward P/E ratio of 8.96 imply a relatively attractive valuation compared to its earnings growth prospects.
Some key performance indicators (KPIs) to monitor for FBIZ include its net interest margin (NIM), which measures the difference between interest income and expense, and its efficiency ratio, which assesses the companys ability to manage operating expenses. Other important metrics include its loan-to-deposit ratio, which indicates the banks liquidity position, and its allowance for loan losses (ALL) as a percentage of total loans, which reflects the companys credit risk management. A review of these KPIs can provide insight into FBIZs financial health and operational performance.
FBIZs business model is focused on serving the financial needs of small and medium-sized businesses and high net worth individuals, which can provide a relatively stable source of revenue. The companys private wealth management services and treasury management solutions also offer opportunities for cross-selling and deepening relationships with customers. Overall, FBIZs diversified product offerings and strong financial performance make it an attractive option for investors seeking exposure to the regional banking sector.
FBIZ Stock Overview
| Market Cap in USD | 430m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2005-10-07 |
FBIZ Stock Ratings
| Growth Rating | 70.9% |
| Fundamental | 70.1% |
| Dividend Rating | 77.7% |
| Return 12m vs S&P 500 | -0.81% |
| Analyst Rating | 4.40 of 5 |
FBIZ Dividends
| Dividend Yield 12m | 2.26% |
| Yield on Cost 5y | 9.11% |
| Annual Growth 5y | 13.62% |
| Payout Consistency | 99.0% |
| Payout Ratio | 19.9% |
FBIZ Growth Ratios
| Growth Correlation 3m | -1.9% |
| Growth Correlation 12m | 53.9% |
| Growth Correlation 5y | 90.7% |
| CAGR 5y | 18.32% |
| CAGR/Max DD 3y | 0.52 |
| CAGR/Mean DD 3y | 1.57 |
| Sharpe Ratio 12m | -0.44 |
| Alpha | 0.22 |
| Beta | 0.321 |
| Volatility | 30.79% |
| Current Volume | 35.1k |
| Average Volume 20d | 21.6k |
| Stop Loss | 49.7 (-3.1%) |
| Signal | -0.01 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (47.5m TTM) > 0 and > 6% of Revenue (6% = 16.2m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.15pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1029 % (prev -994.0%; Δ -35.35pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 62.9m > Net Income 47.5m (YES >=105%, WARN >=100%) |
| Net Debt (160.8m) to EBITDA (58.8m) ratio: 2.74 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (8.15m) change vs 12m ago 0.46% (target <= -2.0% for YES) |
| Gross Margin 55.88% (prev 55.99%; Δ -0.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.09% (prev 6.89%; Δ 0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.50 (EBITDA TTM 58.8m / Interest Expense TTM 109.1m) >= 6 (WARN >= 3) |
Altman Z'' -4.15
| (A) -0.69 = (Total Current Assets 524.4m - Total Current Liabilities 3.31b) / Total Assets 4.00b |
| (B) 0.07 = Retained Earnings (Balance) 283.1m / Total Assets 4.00b |
| (C) 0.01 = EBIT TTM 55.0m / Avg Total Assets 3.81b |
| (D) 0.07 = Book Value of Equity 270.4m / Total Liabilities 3.66b |
| Total Rating: -4.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 70.07
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 22.12% = 5.0 |
| 3. FCF Margin 23.35% = 5.84 |
| 4. Debt/Equity 1.05 = 1.98 |
| 5. Debt/Ebitda 6.13 = -2.50 |
| 6. ROIC - WACC (= 0.67)% = 0.84 |
| 7. RoE 14.39% = 1.20 |
| 8. Rev. Trend 92.12% = 6.91 |
| 9. EPS Trend 56.27% = 2.81 |
What is the price of FBIZ shares?
Over the past week, the price has changed by -0.83%, over one month by +4.84%, over three months by +10.34% and over the past year by +17.56%.
Is First Business Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FBIZ is around 54.89 USD . This means that FBIZ is currently overvalued and has a potential downside of 6.98%.
Is FBIZ a buy, sell or hold?
- Strong Buy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FBIZ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 58.2 | 13.4% |
| Analysts Target Price | 58.2 | 13.4% |
| ValueRay Target Price | 60.3 | 17.6% |
Last update: 2025-09-05 04:42
FBIZ Fundamental Data Overview
CCE Cash And Equivalents = 505.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.2339
P/E Forward = 8.9606
P/S = 2.8513
P/B = 1.2955
P/EG = 1.89
Beta = 0.703
Revenue TTM = 270.2m USD
EBIT TTM = 55.0m USD
EBITDA TTM = 58.8m USD
Long Term Debt = 276.1m USD (from longTermDebt, last quarter)
Short Term Debt = 84.2m USD (from shortTermDebt, last quarter)
Debt = 360.3m USD (Calculated: Short Term 84.2m + Long Term 276.1m)
Net Debt = 160.8m USD (from netDebt column, last quarter)
Enterprise Value = 285.2m USD (430.4m + Debt 360.3m - CCE 505.6m)
Interest Coverage Ratio = 0.50 (Ebit TTM 55.0m / Interest Expense TTM 109.1m)
FCF Yield = 22.12% (FCF TTM 63.1m / Enterprise Value 285.2m)
FCF Margin = 23.35% (FCF TTM 63.1m / Revenue TTM 270.2m)
Net Margin = 17.60% (Net Income TTM 47.5m / Revenue TTM 270.2m)
Gross Margin = 55.88% ((Revenue TTM 270.2m - Cost of Revenue TTM 119.2m) / Revenue TTM)
Tobins Q-Ratio = 1.05 (Enterprise Value 285.2m / Book Value Of Equity 270.4m)
Interest Expense / Debt = 7.63% (Interest Expense 27.5m / Debt 360.3m)
Taxrate = 13.50% (6.91m / 51.1m)
NOPAT = 47.6m (EBIT 55.0m * (1 - 13.50%))
Current Ratio = 0.16 (Total Current Assets 524.4m / Total Current Liabilities 3.31b)
Debt / Equity = 1.05 (Debt 360.3m / last Quarter total Stockholder Equity 344.8m)
Debt / EBITDA = 6.13 (Net Debt 160.8m / EBITDA 58.8m)
Debt / FCF = 5.71 (Debt 360.3m / FCF TTM 63.1m)
Total Stockholder Equity = 330.4m (last 4 quarters mean)
RoA = 1.19% (Net Income 47.5m, Total Assets 4.00b )
RoE = 14.39% (Net Income TTM 47.5m / Total Stockholder Equity 330.4m)
RoCE = 9.07% (Ebit 55.0m / (Equity 330.4m + L.T.Debt 276.1m))
RoIC = 7.60% (NOPAT 47.6m / Invested Capital 626.3m)
WACC = 6.93% (E(430.4m)/V(790.7m) * Re(7.20%)) + (D(360.3m)/V(790.7m) * Rd(7.63%) * (1-Tc(0.13)))
Shares Correlation 3-Years: -4.58 | Cagr: -0.09%
Discount Rate = 7.20% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.92% ; FCFE base≈62.9m ; Y1≈65.7m ; Y5≈76.1m
Fair Price DCF = 160.4 (DCF Value 1.34b / Shares Outstanding 8.32m; 5y FCF grow 4.79% → 3.0% )
EPS Correlation: 56.27 | EPS CAGR: 2.84% | SUE: 0.12 | # QB: 0
Revenue Correlation: 92.12 | Revenue CAGR: 21.65% | SUE: 2.26 | # QB: 2
Additional Sources for FBIZ Stock
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