First Business Financial Services (FBIZ)
NASDAQ:FBIZ
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FBIZ Stock Chart & Stats
$59.33
$0.08(0.18%)
At close: 4:00 PM EST
$59.33
$0.08(0.18%)
Day’s Range― - ―
52-Week Range$45.90 - $60.54
Previous CloseN/A
Volume4.47K
Average Volume (3M)25.29K
Market Cap
$480.16M
Enterprise Value$654.35M
Total Cash (Recent Filing)$513.54M
Total Debt (Recent Filing)$310.48M
Price to Earnings (P/E)9.2
Beta0.81
Next Earnings
Jul 23, 2026EPS Estimate
1.56Next Dividend Ex-DateN/A
Dividend Yield2.08%
Share Statistics
EPS (TTM)6.14
Shares Outstanding8,362,166
10 Day Avg. Volume17,199
30 Day Avg. Volume25,287
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.19
Price to Sales (P/S)1.59
P/FCF Ratio7.25
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue2.31
Enterprise Value/Gross Profit4.01
Enterprise Value/Ebitda10.33
Forecast
1Y Price Target
$65.75Price Target Upside10.82% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)6.2
Revenue Forecast (FY)$181.47M
Bulls Say, Bears Say
Bulls Say
Strong Loan & Deposit GrowthSustained double-digit loan growth and rapidly expanding core deposits materially strengthen net interest income capacity and liquidity. Growth concentrated in C&I, ABL and targeted markets diversifies origination sources, supports higher earning asset growth and reduces reliance on wholesale funding over the medium term.
Diversified Fee Income & Private WealthHigher fee-share from private wealth and other services improves revenue diversity and lowers earnings cyclicality tied to NIM. A growing, repeatable fee base supports margin resilience, aids operating leverage, and provides durable, non-rate-sensitive revenue that complements core lending over several quarters.
Improved Leverage & Strong Cash GenerationMaterial balance-sheet de-leveraging and sustained mid-teens ROE reflect capital efficiency and lower funding risk. Strong operating cash conversion matching net income supports reinvestment, dividend capacity and flexibility for targeted loan growth, enhancing resilience through credit cycles and enabling strategic deployment of excess capital.
Bears Say
Remaining CRE Exposure & Timing RiskAn unresolved ~$17M downgraded CRE relationship poses a tangible credit and timing risk to provisions and capital when resolution occurs. Appraisal cushions help, but foreclosure or legal timelines can delay recoveries, creating episodic earnings volatility and potential reserve needs over the medium term.
Margin Normalization & Slight Revenue SoftnessRevenue contraction and margin reversion from cyclical peaks reduce sustainable earnings power versus recent highs. If NIM and fee momentum fail to offset normalization, medium-term profitability and targets (e.g., 10% growth) could require higher origination or cost control, pressuring operating leverage.
Fee Income Lumpiness & Accounting NoiseVariable recognition of SBA, swap and SBIC-related gains creates uneven fee trends and complicates forecasting core fee growth. This structural lumpiness weakens near-term predictability of noninterest income, making achievement of steady 10% fee-growth targets dependent on smoothing initiatives and sustained Private Wealth expansion.
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 $45.90 and its highest was $60.53 in the past 12 months.
What is First Business Financial Services’s market cap?
First Business Financial Services’s market cap is $480.16M.
When is First Business Financial Services’s upcoming earnings report date?
First Business Financial Services’s upcoming earnings report date is Jul 23, 2026 which is in 50 days.
How were First Business Financial Services’s earnings last quarter?
First Business Financial Services released its earnings results on Apr 23, 2026. The company reported $1.44 earnings per share for the quarter, beating the consensus estimate of $1.416 by $0.024.
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 $0.29 which represents an annual dividend yield of 2.08%. 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 1.56.
How many shares outstanding does First Business Financial Services have?
First Business Financial Services has 8,362,166 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 $1.44 in its last earnings report, beating expectations of $1.416. Following the earnings report the stock price went down -2.2%.
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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Analyst Consensus
Strong Buy
Average Price Target:
$65.75 (10.82% Upside)
$65.75 (10.82% Upside)
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
14.12%
Trailing 12-Months
Asset Growth
9.53%
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. 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.
FBIZ Company Deck
FBIZ Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operational and financial performance with multiple strong metrics: double-digit loan and deposit growth, 16% fee income growth, record Private Wealth revenue, >9% net income/EPS growth and 14% tangible book value per share increase. These positives are tempered by timing-driven margin noise (late-quarter loan deployment and fewer accrual days), a slightly elevated Q1 charge-off rate versus target, higher early-year compensation and professional expenses, and a lighter pipeline going into Q2 with some known payoffs. Management expects margins and growth to normalize into targeted ranges in the back half of 2026 and continues to project 10% annual growth targets and controlled expense/run-rate assumptions.View all FBIZ earnings summariesFBIZ Stock 12 Month Forecast
Average Price Target
$65.75
▲(10.82% Upside)
Technical Analysis
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Ownership Overview
5.46% Insiders
19.38% Mutual Funds
19.19% Other Institutional Investors
40.26% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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