FBIZ logo
FBIZ NASDAQ US

First Business Financial Services, Inc. - Common Stock

Financials · Banking Website · IPO Oct 2005
$55.19
▲ +$0.65 (+1.19%)
Vol 65K
11
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$452.0M
P/E
8.8
ROE
15.0%
Margin
26.4%
D/E
15.29
Beta
0.77
Div Yield
2.14%
52W
$42–$58

Wall Street Consensus

11 analysts · Apr 2026
2
Strong Buy
8
Buy
1
Hold
0
Sell
0
Strong Sell
90.9%
Buy Rating

Price Chart

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Earnings

Beat rate: 75.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $1.42 $1.58 +$0.16
Sep 2025 $1.41 $1.70 +$0.29
Jun 2025 $1.36 $1.35 $-0.01
Mar 2025 $1.30 $1.32 +$0.02

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $41.2M $40.8M $41.0M $44.5M $42.2M
Net Income — $14.4M $11.2M $11.4M $14.4M $13.3M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 14.4% 14.4% 14.4% 14.4% 15.0% 15.0%
P/E (TTM) 8.87 8.66 8.97 8.86 8.53 8.79
Net Margin — 26.4% 26.4% 26.4% 26.4% 26.4%
Gross Margin — — — — — —
D/E Ratio 15.88 15.88 15.88 15.88 15.29 15.29
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
1.3%
P/S (TTM)
2.00
P/B
1.2
EPS (TTM)
$6.31
CF/Share
$4.96
Rev Growth 3Y
+6.0%
52W High
$58.41
52W Low
$42.18
$42.18 52-Week Range $58.41

Financial Health

Free Cash Flow
$16.1M
Net Debt
$219.9M
Cash
$39.5M
Total Debt
$259.4M
As of Dec 31, 2025

How does FBIZ compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

FBIZ ACNB AFBI AMAL AROW

FBIZ valuation vs Banking peers

P/E ratio
8.8
▼ 30% below peers (12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.0
▼ 14% below peers (2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.2
▲ 11% above peers (1.1)
vs Peers
vs Industry
Overvalued
Div yield
2.1%
▼ 29% below peers (3.0%)
vs Peers
vs Industry
Low yield

FBIZ profitability vs Banking peers

ROE
15.0%
▲ 67% above peers (9.0%)
vs Peers
vs Industry
Top tier
Net margin
26.4%
▼ 8% below peers (28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.3%
▲ 37% above peers (1.0%)
vs Peers
vs Industry
Top tier

FBIZ financial health vs Banking peers

D/E ratio
15.3
▲ 10% above peers (13.8)
vs Peers
vs Industry
In line
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.8
▲ 11% above peers (0.7)
vs Peers
vs Industry
Less volatile

FBIZ fundamentals radar

FBIZ Peer median Industry

FBIZ profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

FBIZ vs peers: key metrics

Related Signals

Bounce Up SL Hit
$50.66 1.50x Sep 30

Insider Activity

Neutral
Buys
0
Sells
0
CHANDLER JODI A
Officer · Feb 13
550 shs
OVOKAITYS DANIEL S
Chief Technology Officer · Feb 13
595 shs
SEILER DAVID R
President · Feb 13
1655 shs
QUADE BRADLEY A.
Officer · Feb 13
735 shs
SPIELMANN BRIAN D.
Chief Financial Officer · Feb 13
875 shs
HARTLIEB JAMES EDWARD
Officer · Feb 13
715 shs
GARCIA LAURA M
Officer · Feb 13
605 shs
CRAMPTON KEVIN D
Officer · Feb 13
610 shs
KRISTUFEK NIAMH M.
Officer · Feb 13
660 shs
Last 90 days

Top Holders

Top 5: 29.49%
Blackrock Inc.
10.43%
$46.1M
Dimensional Fund Advisors LP
5.99%
$26.5M
Vanguard Group Inc
5.76%
$25.5M
First Business Financial Se…
4.33%
$19.1M
Manufacturers Life Insuranc…
2.98%
$13.2M
As of Dec 31, 2025

Dividends

$1.21
/ year
Feb 13, 2026 $0.3400
Nov 19, 2025 $0.2900
Aug 11, 2025 $0.2900
May 09, 2025 $0.2900
Feb 14, 2025 $0.2900
Nov 07, 2024 $0.2500
Aug 08, 2024 $0.2500
May 08, 2024 $0.2500

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