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FBIZ Stock Chart & Stats
$67.18
$1.16(1.76%)
At close: 4:00 PM EDT
$67.18
$1.16(1.76%)
Day’s Range― - ―
52-Week Range$46.07 - $73.48
Previous Close$67.18
Volume37.12K
Average Volume (3M)25.29K
Market Cap
$589.38M
Enterprise Value$721.82
Total Cash (Recent Filing)$531.11M
Total Debt (Recent Filing)$595.22M
Price to Earnings (P/E)10.6
Beta0.78
Next Earnings
Oct 22, 2026EPS Estimate
1.66Next Dividend Ex-DateN/A
Dividend Yield1.84%
Share Statistics
EPS (TTM)6.63
Shares Outstanding8,368,320
10 Day Avg. Volume17,199
30 Day Avg. Volume25,287
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)1.19
Price to Sales (P/S)1.59
P/FCF Ratio7.25
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$79.33Price Target Upside18.09% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)6.48
Revenue Forecast (FY)$183.25M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistent and growing free cash flow with FCF roughly matching net income (~0.92–1.00) indicates high cash conversion. This durable cash engine supports loan growth, reserves, reinvestment in higher‑return niches, and shareholder returns while cushioning cyclical stresses.
Improving Margins & Operating LeverageSustained NIM expansion combined with sub‑60% efficiency demonstrates structural margin improvement and scalable expense control. Over a multi‑quarter horizon this supports higher sustainable return on assets and the ability to invest in fee businesses without sacrificing profitability.
Stronger Capital And De‑risked Balance SheetRising equity and improving leverage reflect de‑risking and a stronger capital base. With CET1 and total capital above internal targets, the bank has durable capacity to support loan growth, absorb credit shocks, and maintain regulatory flexibility for dividends or buybacks.
Bears Say
Top‑line Softness And Margin CompressionA slight decline in TTM revenue and compression of gross/operating margins signal potential persistence in top‑line pressure. If structural revenue growth falters, sustaining recent margin and earnings gains will depend on scaling fee income or further cost cuts, increasing execution risk.
Near‑term Earnings Headwinds From SBA ExitWhile strategic, exiting out‑of‑footprint SBA origination removes a recurring fee stream and creates transition costs. Management expects net accretion over time, but near‑term earnings and fee diversification must be replaced by wealth and niche lending growth to avoid lasting revenue gaps.
Funding Cost And Balance Volatility RisksReliance on pricier deposit acquisition and wholesale funding options raises structural funding cost risk. Persistent higher funding costs and balance volatility (prepayment/payoff swings) can compress NIM and make consistent loan margin expansion harder without strict pricing and liability management.
First Business Financial News
FBIZ FAQ
What was First Business Financial Services’s price range in the past 12 months?
First Business Financial Services lowest stock price was $46.07 and its highest was $73.48 in the past 12 months.
What is First Business Financial Services’s market cap?
First Business Financial Services’s market cap is $589.38M.
When is First Business Financial Services’s upcoming earnings report date?
First Business Financial Services’s upcoming earnings report date is Oct 22, 2026 which is in 71 days.
How were First Business Financial Services’s earnings last quarter?
First Business Financial Services released its earnings results on Jul 30, 2026. The company reported $1.84 earnings per share for the quarter, beating the consensus estimate of $1.558 by $0.282.
Is First Business Financial Services overvalued?
According to Wall Street analysts First Business Financial Services’s price is currently Undervalued.
Does First Business Financial Services pay dividends?
First Business Financial Services pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 1.84%. See more information on First Business Financial Services dividends here
What is First Business Financial Services’s EPS estimate?
First Business Financial Services’s EPS estimate is 1.66.
How many shares outstanding does First Business Financial Services have?
First Business Financial Services has 8,368,320 shares outstanding.
What happened to First Business Financial Services’s price movement after its last earnings report?
First Business Financial Services reported an EPS of $1.84 in its last earnings report, beating expectations of $1.558. Following the earnings report the stock price went up 4.386%.
Which hedge fund is a major shareholder of First Business Financial Services?
Currently, no hedge funds are holding shares in FBIZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Business Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Strong Buy
Average Price Target:
$79.33 (18.09% Upside)
$79.33 (18.09% Upside)
Blogger Sentiment
Neutral
FBIZ Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 29.3K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.51%
12-Months-Change
Fundamentals
Return on Equity
1.84%
Trailing 12-Months
Asset Growth
10.18%
Trailing 12-Months
Company Description
First Business Financial Services
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. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
FBIZ Company Deck
FBIZ Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong operational and financial performance: record pretax pre-provision earnings, double-digit revenue and tangible book value growth, improved NIM, positive operating leverage, resilient fee income, and strengthened capital metrics. Management took a strategic step to exit out-of-footprint SBA origination, which reduces a recurring but low-return business and is expected to be accretive over time while freeing capacity to focus on higher-margin niches (asset-based lending, floor plan, private wealth). Near-term headwinds include one-time severance and impairment charges, the loss of historical SBA gain-on-sale revenue (~$500k quarterly), elevated loan payoffs and prepayment fee volatility (which can both help and create variability in margin), and some expense noise. On balance, the strengths and forward-looking strategic moves materially outweigh the short-term issues.View all FBIZ earnings summariesFBIZ Stock 12 Month Forecast
Average Price Target
$79.33
▲(18.09% Upside)
Technical Analysis
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Ownership Overview
4.94% Insiders
19.28% Mutual Funds
7.79% Other Institutional Investors
51.11% Public Companies and
Individual Investors