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FBIZ stock logo

FBIZ

First Business Financial Services, Inc.

$55.19
0.65
 (1.19%)
Exchange:  NASDAQ
Market Cap:  460.441M
Shares Outstanding:  3.945M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Corey A. Chambas
Full Time Employees:  354
Address: 
401 Charmany Drive
Madison
WI
53719
US
Website:  https://www.firstbusiness.bank
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. The company offers deposit products, such as non-interest-bearing transaction accounts, interest-bearing transaction accounts, money market accounts, time deposits, and certificates of deposit, as well as credit cards. It also provides loan products, including commercial real estate loans, commercial and industrial loans, small business administration loans, and direct financing leases, as well as consumer and other loans comprising home equity, first and second mortgage, and other personal loans for professional and executive clients. The company offers commercial lending, asset-based lending, equipment financing, accounts receivable financing, vendor financing, floorplan financing, treasury management services, and company retirement plans; trust and estate administration, financial planning, investment management, and private banking services; and investment portfolio administrative, asset-liability management, and asset-liability management process validation services for other financial institutions. First Business Financial Services, Inc. was founded in 1909 and is headquartered in Madison, Wisconsin.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/30 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue226,236262,381279,247
Gross Profit135,714144,630159,972
EBITDA50,77554,88860,453
Operating Income47,13951,15060,453
Net Income37,02744,24550,319

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,507,8463,853,2154,081,887
Total Liabilities3,218,2583,524,6263,710,302
Total Stockholders Equity289,588328,589371,585
Total Debt339,870327,975259,412
Cash and Cash Equivalents139,510157,70230,771

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow52,29257,49161,696
Capital Expenditure-2,884-223-595
Free Cash Flow49,40857,26861,101
Net Income37,02744,24550,319
Net Change in Cash36,82818,192-118,217

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)196,170.415Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)197,369.623Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)196,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)56,149.688Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)56,492.936Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)56,329.893Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)53,284.118Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)55,706.127Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)55,522Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)66,325.543Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)66,730.997Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)66,538.407Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)6.660Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6.830Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6.530Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
260.465M  ?P/S
 (TTM)
: 
1.77
?Net Income
 (TTM)
: 
43.212M  ?P/E
 (TTM)
: 
9.64
?Enterprise Value
 (TTM)
: 
723.621M  ?EV/FCF
 (TTM)
: 
11.84
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.21
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
170.68M  ?Debt/Equity
 (TTM)
: 
0.7
?P/B
 (TTM)
: 
1.3  ?Current Ratio
 (TTM)
: 
0.31

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.14Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FBIZ intrinsic value between $67.01 – $103.89 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FBIZ Intrinsic Value

Common questions about FBIZ valuation

Is First Business Financial Services, Inc. (FBIZ) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Business Financial Services, Inc. (FBIZ) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FBIZ a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FBIZ trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FBIZ’s P/E ratio?

You can see FBIZ’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FBIZ?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FBIZ a good long-term investment?

Whether FBIZ fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FBIZ

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.19
MARKETSnap

Trading Metrics:

Open: 54.15   Previous Close: 54.54
Day Low: 53.42   Day High: 55.48
Year Low: 42.18   Year High: 60.54
Price Avg 50: 55.55   Price Avg 200: 52.81
Volume: 61262   Average Volume: 38472

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See in Nexus

Relevant news

First Business Bank Announces First Quarter 2026 Earnings Conference Call
08-04-2026 16:15
First Business Bank Announces First Quarter 2026 Earnings Conference Call
Why First Business Financial Services (FBIZ) is a Top Dividend Stock for Your Portfolio
06-04-2026 12:46
Why First Business Financial Services (FBIZ) is a Top Dividend Stock for Your Portfolio
First Business Financial Services (FBIZ) Could Be a Great Choice
04-03-2026 12:45
First Business Financial Services (FBIZ) Could Be a Great Choice
Short Interest in First Business Financial Services, Inc. (NASDAQ:FBIZ) Increases By 21.3%
06-03-2026 02:14
Short Interest in First Business Financial Services, Inc. (NASDAQ:FBIZ) Increases By 21.3%
Are You Looking for a High-Growth Dividend Stock?
16-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?
First Business Financial Services, Inc. (FBIZ) Q4 2025 Earnings Call Transcript
30-01-2026 17:30
First Business Financial Services, Inc. (FBIZ) Q4 2025 Earnings Call Transcript

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