FBIZ First Business Financial Services, Inc. - Common Stock
$55.99
Price · May 20, 2026
Fundamentals as of Apr 24, 2026
52W Range
$46–$60
69% of range
Analyst Rating
BUY
11 analysts
Price Target
$66
+17% upside
P/E (TTM)
9.1
ROE
14.1%
Net Profit Margin
29.8%
FBIZ Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$55.99
Market Cap
$452M
P/E (TTM)
9.1
EPS (TTM)
$5.94
Revenue (TTM)
—
Div Yield
2.1%
ROE
14.1%
Debt/Equity
—
52W Range
$46 – $61
FBIZ Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$5.94
2020-12-31
→
2025-12-31
Free Cash Flow
$61M
2020-12-31
→
2025-12-31
Margins
29.8%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
FBIZ
Peer Median
P/E (TTM)
9.1
10.3
P/S (TTM)
2.7
1.9
P/B
1.2
1.0
Price / FCF
7.4
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
FBIZ
Peer Median
Net Profit Margin
29.8%
26.9%
ROA
1.3%
1.1%
ROE
14.1%
10.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
FBIZ
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
FBIZ
Peer Median
Revenue YoY
9.9%
—
Revenue CAGR 3Y
9.7%
—
Revenue CAGR 5Y
10.2%
—
EPS YoY
14.2%
—
Net Income YoY
13.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
FBIZ
Peer Median
Payout Ratio
19.2%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.1%
Payout Ratio
19.2%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 6, 2026 | $0.3400 |
| Feb. 13, 2026 | $0.3400 |
| Nov. 19, 2025 | $0.2900 |
| Aug. 11, 2025 | $0.2900 |
| May 9, 2025 | $0.2900 |
| Feb. 14, 2025 | $0.2900 |
| Nov. 7, 2024 | $0.2500 |
| Aug. 8, 2024 | $0.2500 |
| May 8, 2024 | $0.2500 |
| Feb. 7, 2024 | $0.2500 |
| Nov. 3, 2023 | $0.2280 |
| Aug. 4, 2023 | $0.2280 |
| May 5, 2023 | $0.2280 |
| Feb. 3, 2023 | $0.2280 |
| Nov. 4, 2022 | $0.1980 |
| Aug. 5, 2022 | $0.1980 |
| May 6, 2022 | $0.1980 |
| Feb. 4, 2022 | $0.1980 |
| Nov. 5, 2021 | $0.1800 |
| Aug. 6, 2021 | $0.1800 |
FBIZ Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
11 analysts
- Strong Buy 2 18.2%
- Buy 8 72.7%
- Hold 1 9.1%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
5 analysts · 2026-05-20
Median
$65.00
Mean
$65.60
← Below all targets
$55.99
Low
$64.00
High
$70.00
Median target
$65.00
+16.1%
Mean target
$65.60
+17.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.09%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $1.44 | $1.44 | -0.00% |
| Dec. 31, 2025 | $1.58 | $1.42 | 0.16% |
| Sept. 30, 2025 | $1.70 | $1.41 | 0.29% |
| June 30, 2025 | $1.35 | $1.36 | -0.01% |
| March 31, 2025 | $1.32 | $1.30 | 0.02% |
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | — |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | — |
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | — |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | — |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SG&A Expense | · | · | · | · | · | · | · | $2M | $2M | $2M | $2M | $1M | |
| Interest Expense | · | · | $82M | $23M | $11M | $17M | $32M | $24M | $15M | $15M | $14M | $12M | |
| Interest Income | $247M | $233M | $195M | $121M | $96M | $94M | $102M | $91M | $76M | $78M | $72M | $58M | |
| Pretax Income | $60M | $51M | $47M | $52M | $47M | $18M | $24M | $18M | $14M | $17M | $25M | $21M | |
| Income Tax | $10M | $7M | $10M | $11M | $11M | $1M | $1M | $1M | $2M | $2M | $8M | $7M | |
| Net Income | $50M | $44M | $37M | $41M | $36M | $17M | $23M | $16M | $12M | $15M | $17M | $14M | |
| EPS (Basic) | $5.94 | $5.20 | $4.33 | $4.75 | $4.17 | $1.97 | $2.68 | $1.86 | $1.36 | $1.71 | $1.90 | $1.76 | |
| EPS (Diluted) | $5.94 | $5.20 | $4.33 | $4.75 | $4.17 | $1.97 | $2.68 | $1.86 | $1.36 | $1.71 | $1.90 | $1.75 | |
| Shares (Basic) | 8,158,208 | 8,148,259 | 8,131,251 | 8,226,943 | 8,314,921 | 8,384,464 | 8,515,375 | 8,640,198 | 8,612,770 | 8,573,722 | 8,549,176 | 7,869,956 | |
| Shares (Diluted) | 8,158,208 | 8,148,259 | 8,131,251 | 8,226,943 | 8,314,921 | 8,384,464 | 8,515,375 | 8,640,198 | 8,612,770 | 8,573,722 | 8,550,322 | 7,906,767 | |
| EBITDA | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $1M | $2M | $2M | $-90.0K | $2M |
Balance Sheet 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $39M | $158M | $140M | $103M | $57M | $57M | $67M | $87M | $53M | $78M | $114M | $103M | |
| PP&E (Net) | $5M | $5M | $6M | $4M | $2M | $2M | $3M | $3M | $3M | $4M | $4M | $4M | |
| PP&E (Gross) | $16M | $15M | $15M | $13M | $10M | $10M | $9M | $10M | $9M | $9M | $8M | $8M | |
| Accum. Depreciation | $11M | $10M | $9M | $8M | $8M | $8M | $7M | $6M | $6M | $5M | $4M | $4M | |
| Goodwill | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | |
| Intangibles | · | · | · | · | · | · | · | · | · | $202.0K | $264.0K | $335.0K | |
| Total Assets | $4.08B | $3.85B | $3.51B | $2.98B | $2.65B | $2.57B | $2.10B | $1.97B | $1.79B | $1.78B | $1.78B | $1.63B | |
| Total Liabilities | $3.71B | $3.52B | $3.22B | $2.72B | $2.42B | $2.36B | $1.90B | $1.79B | $1.62B | $1.62B | $1.63B | $1.49B | |
| Common Stock | $96.0K | $95.0K | $95.0K | $94.0K | $93.0K | $92.0K | $92.0K | $91.0K | $90.0K | $90.0K | $89.0K | $45.0K | |
| Paid-in Capital | $96M | $94M | $91M | · | · | · | · | · | · | · | · | · | |
| Retained Earnings | $306M | $266M | $231M | $204M | $170M | $140M | $129M | $110M | $99M | $91M | $81M | $68M | |
| Treasury Stock | $33M | $31M | $30M | $27M | $22M | $17M | $15M | $8M | $7M | $7M | $6M | $5M | |
| AOCI | $-10M | $-11M | $-14M | $-15M | $-1M | $-933.0K | $-1M | $-2M | · | · | · | · | |
| Stockholders' Equity | $372M | $329M | $290M | $261M | $232M | $206M | $194M | $181M | $169M | $162M | $151M | $138M | |
| Liabilities + Equity | $4.08B | $3.85B | $3.51B | $2.98B | $2.65B | $2.57B | $2.10B | $1.97B | $1.79B | $1.78B | $1.78B | $1.63B | |
| Shares Outstanding | 8,325,376 | 8,293,928 | 8,314,778 | 8,362,085 | 8,457,564 | 8,566,960 | 8,566,044 | 8,785,480 | 8,763,539 | 8,715,856 | 8,699,410 | 8,671,854 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $1M | $2M | $2M | $-90.0K | $2M | |
| Stock-based Comp | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $1M | $1M | $994.0K | $1M | $887.0K | |
| Deferred Tax | $-2M | $-4M | $2M | $-775.0K | $1M | $-2M | $-2M | $-432.0K | $2M | $-1M | $1M | $1M | |
| Other Non-cash | $6M | $10M | $7M | $-8M | $-7M | $6M | $3M | $7M | $6M | $10M | $5M | $-6M | |
| Operating Cash Flow | $62M | $57M | $52M | $39M | $36M | $27M | $29M | $25M | $22M | $26M | $23M | $12M | |
| CapEx | $595.0K | $223.0K | $3M | $3M | $391.0K | $264.0K | $225.0K | $969.0K | $1M | $584.0K | $789.0K | $3M | |
| Investing Cash Flow | $-373M | $-328M | $-507M | $-245M | $-111M | $-455M | $-131M | $-138M | $-46M | $-44M | $-150M | $-333M | |
| Stock Issued | · | · | · | · | · | · | · | · | · | $0 | $0 | $17M | |
| Stock Repurchased | $1M | $1M | $3M | $6M | $5M | $2M | $7M | $533.0K | $323.0K | $467.0K | $946.0K | $2M | |
| Net Stock Activity | $-1M | $-1M | $-3M | $-6M | $-5M | $-2M | $-7M | $-533.0K | $-323.0K | $-467.0K | $-946.0K | $15M | |
| Dividends Paid | $10M | $8M | $8M | $7M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $3M | |
| Financing Cash Flow | $193M | $289M | $491M | $252M | $75M | $418M | $83M | $147M | $-1M | $-18M | $137M | $343M | |
| Net Change in Cash | · | · | · | · | · | · | $-19M | $34M | $-25M | $-36M | $10M | $22M | |
| Taxes Paid | $3M | $158.0K | $7M | $8M | $15M | $3M | $1M | · | · | · | · | · | |
| Free Cash Flow | $61M | $57M | $49M | $35M | $36M | $26M | $29M | $25M | $21M | $26M | $22M | $9M | |
| Levered FCF | · | · | $-15M | $17M | $27M | $11M | $-2M | $3M | $8M | $13M | $13M | $974.9K |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.8% | 28.8% | 25.7% | 32.0% | 31.7% | 16.3% | 25.0% | 19.1% | 15.4% | 18.3% | 21.8% | 25.1% | |
| Pretax Margin | 35.9% | 33.3% | 32.8% | 40.9% | 41.7% | 17.6% | 26.3% | 20.6% | 18.4% | 21.0% | 32.9% | 37.7% | |
| EBITDA Margin | 2.2% | 2.4% | 2.5% | 3.2% | 3.1% | 3.3% | 3.3% | 1.7% | 2.0% | 1.9% | -0.12% | 3.3% | |
| ROA | 1.3% | 1.2% | 1.1% | 1.5% | 1.4% | 0.73% | 1.1% | 0.87% | 0.67% | 0.84% | 0.97% | 0.98% | |
| ROE | 14.1% | 13.8% | 13.0% | 15.9% | 15.6% | 8.3% | 12.1% | 9.1% | 7.1% | 9.3% | 11.1% | 11.1% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.9% | 6.6% | 12.6% | 13.4% | 8.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 9.7% | 10.8% | 11.4% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 10.2% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 14.2% | 20.1% | -8.8% | 13.9% | 111.7% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 7.7% | 7.6% | 30.0% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 24.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 13.7% | 19.5% | -9.4% | 14.3% | 110.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.2% | 7.4% | 29.7% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 24.3% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 11.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $169M | $153M | $144M | $128M | $113M | $104M | $93M | $86M | $77M | $81M | $76M | $56M | |
| Net Income TTM | $50M | $44M | $37M | $41M | $36M | $17M | $23M | $16M | $12M | $15M | $17M | $14M | |
| Market Cap | $452M | $384M | $333M | $306M | $247M | $158M | $226M | $171M | $194M | $207M | $218M | $104M | |
| P/E | 9.1 | 8.9 | 9.3 | 7.7 | 7.0 | 9.3 | 9.8 | 10.5 | 16.3 | 13.9 | 13.2 | 13.7 | |
| P/S | 2.7 | 2.5 | 2.3 | 2.4 | 2.2 | 1.5 | 2.4 | 2.0 | 2.5 | 2.5 | 2.9 | 1.8 | |
| P/B | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 0.8 | 1.2 | 0.9 | 1.1 | 1.3 | 1.4 | 0.8 | |
| P / Tangible Book | 1.3 | 1.2 | 1.2 | 1.2 | 1.1 | 0.8 | · | · | · | · | · | · | |
| P / Cash Flow | 7.3 | 6.7 | 6.4 | 7.9 | 6.9 | 5.9 | 7.8 | 6.7 | 8.7 | 7.9 | 9.4 | 8.7 | |
| P / FCF | 7.4 | 6.7 | 6.7 | 8.6 | 6.9 | 6.0 | 7.8 | 6.9 | 9.2 | 8.1 | 9.7 | 12.0 | |
| Dividend Yield | 2.1% | 2.2% | 2.3% | 2.2% | 2.5% | 3.6% | 2.3% | 2.9% | 2.3% | 2.0% | 1.8% | 3.3% | |
| Earnings Yield | 10.9% | 11.2% | 10.8% | 13.0% | 14.3% | 10.7% | 10.2% | 9.5% | 6.2% | 7.2% | 7.6% | 7.3% | |
| Payout Ratio | 19.2% | 18.8% | 20.5% | 16.4% | 17.2% | 33.3% | 22.4% | 30.1% | 38.1% | 28.0% | 23.1% | 24.0% | |
| Annual Payout | $10M | $8M | $8M | $7M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $3M |
Income Statement 10
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | $27M | $26M | $25M | $22M | $19M | $15M | $11M | $6M | $3M | |
| Interest Income | $62M | $63M | $64M | $61M | $60M | $60M | $59M | $58M | $56M | $55M | $51M | $47M | $42M | $38M | $32M | $27M | |
| Pretax Income | $14M | $16M | $17M | $13M | $13M | $15M | $13M | $12M | $11M | $12M | $12M | $11M | $12M | $13M | $14M | $15M | |
| Income Tax | $2M | $3M | $3M | $2M | $2M | $885.0K | $2M | $2M | $2M | $3M | $2M | $3M | $3M | $2M | $3M | $4M | |
| Net Income | $12M | $13M | $14M | $11M | $11M | $14M | $11M | $10M | $9M | $10M | $10M | $8M | $9M | $10M | $11M | $11M | |
| EPS (Basic) | $1.44 | $1.58 | $1.70 | $1.35 | $1.32 | $1.71 | $1.24 | $1.23 | $1.04 | $1.13 | $1.17 | $0.98 | $1.05 | $1.19 | $1.25 | $1.29 | |
| EPS (Diluted) | $1.44 | $1.58 | $1.70 | $1.35 | $1.32 | $1.71 | $1.24 | $1.23 | $1.04 | $1.13 | $1.17 | $0.98 | $1.05 | $1.19 | $1.25 | $1.29 | |
| Shares (Basic) | 8,186,174 | -16,285,098 | 8,171,404 | 8,141,159 | 8,130,743 | -16,201,521 | 8,111,215 | 8,113,246 | 8,125,319 | -16,186,756 | 8,107,641 | 8,061,841 | 8,148,525 | -16,461,939 | 8,230,902 | 8,225,838 | |
| Shares (Diluted) | 8,186,174 | -16,285,098 | 8,171,404 | 8,141,159 | 8,130,743 | -16,201,521 | 8,111,215 | 8,113,246 | 8,125,319 | -16,186,756 | 8,107,641 | 8,061,841 | 8,148,525 | -16,461,939 | 8,230,902 | 8,225,838 | |
| EBITDA | $929.0K | · | · | · | $871.0K | · | · | · | $791.0K | · | · | · | $912.0K | · | · | · |
Balance Sheet 15
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $137M | $39M | $44M | $123M | $171M | $158M | $132M | $81M | $72M | · | $133M | $113M | $186M | · | $111M | $95M | |
| PP&E (Net) | $4M | $5M | $5M | $5M | $5M | $5M | $5M | $6M | $6M | · | $6M | $5M | $5M | · | $3M | $2M | |
| PP&E (Gross) | · | $16M | · | · | · | $15M | · | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | $11M | · | · | · | $10M | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | · | $11M | · | · | · | $11M | · | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.32B | $4.08B | $4.03B | $4.00B | $3.94B | $3.85B | $3.72B | $3.62B | $3.53B | $3.51B | $3.42B | $3.27B | $3.16B | $2.98B | $2.85B | $2.78B | |
| Total Liabilities | $3.94B | $3.71B | $3.68B | $3.66B | $3.61B | $3.52B | $3.40B | $3.31B | $3.23B | · | $3.14B | $2.99B | $2.90B | · | $2.60B | $2.53B | |
| Common Stock | $96.0K | $96.0K | $96.0K | $96.0K | $96.0K | $95.0K | $95.0K | $95.0K | $95.0K | · | $95.0K | $95.0K | $94.0K | · | $94.0K | $94.0K | |
| Paid-in Capital | $97M | $96M | $96M | $95M | $94M | $94M | $93M | $92M | · | · | · | · | · | · | · | · | |
| Retained Earnings | $315M | $306M | $295M | $283M | $274M | $266M | $254M | $245M | $237M | · | $223M | $215M | $209M | · | $195M | $186M | |
| Treasury Stock | $34M | $33M | $33M | $33M | $32M | $31M | $31M | $31M | $31M | · | $30M | $30M | $29M | · | $25M | $23M | |
| AOCI | $-10M | $-10M | $-12M | $-13M | $-12M | $-11M | $-15M | $-13M | $-12M | · | $-14M | $-14M | $-14M | · | $-17M | $-12M | |
| Stockholders' Equity | $380M | $372M | $358M | $345M | $336M | $329M | $312M | $305M | $298M | $290M | $281M | $273M | $267M | $261M | $253M | $250M | |
| Liabilities + Equity | $4.32B | $4.08B | $4.03B | $4.00B | $3.94B | $3.85B | $3.72B | $3.62B | $3.53B | · | $3.42B | $3.27B | $3.16B | · | $2.85B | $2.78B | |
| Shares Outstanding | 8,343,519 | 8,325,376 | 8,324,387 | 8,323,470 | 8,301,967 | 8,293,928 | 8,295,017 | 8,294,589 | 8,306,573 | 8,314,778 | 8,315,186 | 8,315,465 | 8,306,270 | 8,362,085 | 8,432,048 | 8,474,699 |
Cash Flow 14
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $929.0K | $950.0K | $1M | $950.0K | $871.0K | $1M | $953.0K | $979.0K | $791.0K | $798.0K | $966.0K | $960.0K | $912.0K | $978.0K | $1M | $963.0K | |
| Stock-based Comp | $647.0K | $638.0K | $585.0K | $926.0K | $651.0K | $847.0K | $649.0K | $624.0K | $665.0K | $628.0K | $643.0K | $1M | $634.0K | $679.0K | $651.0K | $645.0K | |
| Deferred Tax | $-68.0K | $-2M | $-510.0K | $582.0K | $153.0K | $-4M | $0 | $-2M | $2M | $3M | $-1M | $198.0K | $312.0K | $1M | $-563.0K | $-486.0K | |
| Other Non-cash | $-11M | · | · | · | $-2M | · | · | · | $-4M | · | · | · | $-928.0K | · | · | · | |
| Operating Cash Flow | $3M | $16M | $18M | $16M | $11M | $22M | $14M | $13M | $9M | $13M | $16M | $13M | $10M | $7M | $15M | $15M | |
| CapEx | $135.0K | $39.0K | $146.0K | $330.0K | $80.0K | $42.0K | $-615.0K | $399.0K | $397.0K | $310.0K | $1M | $457.0K | $798.0K | $1M | $1M | $409.0K | |
| Investing Cash Flow | $-139M | $-51M | $-113M | $-112M | $-97M | $-102M | $-67M | $-77M | $-83M | $-111M | $-116M | $-163M | $-116M | $-128M | $-38M | $-39M | |
| Stock Repurchased | $811.0K | $16.0K | $11.0K | $586.0K | $777.0K | $13.0K | $12.0K | $666.0K | $579.0K | $16.0K | $23.0K | $1M | $2M | $3M | $2M | $1M | |
| Net Stock Activity | $-811.0K | · | · | · | $-777.0K | · | · | · | $-579.0K | · | · | · | $-2M | · | · | · | |
| Dividends Paid | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $233M | $30M | $16M | $49M | $99M | $106M | $104M | $73M | $7M | $105M | $120M | $77M | $190M | $113M | $38M | $25M | |
| Taxes Paid | $-305.0K | $2M | $1M | $401.0K | $-20.0K | $-695.0K | $457.0K | $389.0K | $7.0K | $2M | $4M | $1M | $-7.0K | $5M | $3M | $-48.0K | |
| Free Cash Flow | $3M | · | · | · | $11M | · | · | · | $8M | · | · | · | $9M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-14M | · | · | · | $-3M | · | · | · |
Profitability 5
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.5% | · | 32.3% | 27.8% | 27.4% | · | 27.7% | 27.5% | 24.4% | · | 26.9% | 23.7% | 25.6% | · | 31.8% | 36.7% | |
| Pretax Margin | 32.5% | · | 39.1% | 32.6% | 33.0% | · | 33.8% | 32.6% | 29.2% | · | 32.5% | 30.9% | 33.6% | · | 41.2% | 48.5% | |
| EBITDA Margin | 2.1% | · | · | · | 2.1% | · | · | · | 2.2% | · | · | · | 2.6% | · | · | · | |
| ROA | 0.30% | · | 0.37% | 0.30% | 0.30% | · | 0.30% | 0.30% | 0.26% | · | 0.32% | 0.28% | 0.30% | · | 0.40% | 0.40% | |
| ROE | 3.4% | · | 4.3% | 3.5% | 3.5% | · | 3.5% | 3.6% | 3.1% | · | 3.7% | 3.2% | 3.5% | · | 4.5% | 4.8% |
Efficiency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $172M | · | $168M | $161M | $158M | · | $149M | $148M | $145M | · | $142M | $139M | $134M | · | $122M | $116M | |
| Net Income TTM | $51M | · | $51M | $48M | $47M | · | $40M | $39M | $37M | · | $37M | $38M | $41M | · | $39M | $38M | |
| Market Cap | $450M | · | $427M | $422M | $391M | · | $378M | $307M | $311M | · | $250M | $245M | $253M | · | $272M | $264M | |
| P/E | 8.9 | · | 8.4 | 9.0 | 8.6 | · | 9.8 | 8.1 | 8.6 | · | 6.9 | 6.6 | 6.4 | · | 7.1 | 7.1 | |
| P/S | 2.6 | · | 2.5 | 2.6 | 2.5 | · | 2.5 | 2.1 | 2.1 | · | 1.8 | 1.8 | 1.9 | · | 2.2 | 2.3 | |
| P/B | 1.2 | · | 1.2 | 1.2 | 1.2 | · | 1.2 | 1.0 | 1.0 | · | 0.9 | 0.9 | 1.0 | · | 1.1 | 1.1 | |
| P / Tangible Book | 1.2 | · | 1.2 | 1.2 | 1.2 | · | 1.2 | 1.0 | 1.0 | · | 0.9 | 0.9 | 1.0 | · | 1.1 | 1.1 | |
| P / Cash Flow | 147.5 | · | · | · | 34.6 | · | · | · | 35.9 | · | · | · | 25.6 | · | · | · | |
| P / FCF | 154.3 | · | · | · | 34.9 | · | · | · | 37.6 | · | · | · | 27.8 | · | · | · | |
| Earnings Yield | 11.3% | · | 11.9% | 11.1% | 11.7% | · | 10.2% | 12.4% | 11.6% | · | 14.6% | 15.1% | 15.6% | · | 14.1% | 14.1% | |
| Payout Ratio | 23.8% | · | · | · | 21.9% | · | · | · | 23.6% | · | · | · | 21.2% | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|---|
| Net Income | $50M | — | $44M | — | — |
| Diluted EPS | $5.94 | — | $5.20 | — | — |
Cash Flow
| 2025-12-31 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | $61M | — | $57M | — | — |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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