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STOCKS

First Business Financial Services (FBIZ)

NASDAQ:FBIZ

FBIZ

First Business Financial

RESEARCH TOOLSreports

First Business Financial (FBIZ) Ratios

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143 Followers

First Business Financial Ratios

FBIZ's free cash flow for Q3 2025 was $0.59. For the 2025 fiscal year, FBIZ's free cash flow was decreased by $ and operating cash flow was $0.24. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.02	0.17	0.16	17.37	20.72
Quick Ratio	0.02	0.17	0.16	17.37	20.72
Cash Ratio	0.01	0.05	0.05	5.30	3.72
Solvency Ratio	0.02	0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	2.00	2.35
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.61B	$ -3.01B	$ -2.76B	$ -2.38B	$ -2.10B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.09	0.10	0.16	0.16
Debt-to-Equity Ratio	0.77	1.00	1.17	1.79	1.80
Debt-to-Capital Ratio	0.43	0.50	0.54	0.64	0.64
Long-Term Debt-to-Capital Ratio	0.43	0.49	0.53	0.64	0.64
Financial Leverage Ratio	11.26	11.73	12.11	11.42	11.41
Debt Service Coverage Ratio	0.50	0.44	0.49	1.96	3.47
Interest Coverage Ratio	0.54	0.47	0.57	3.28	4.15
Debt to Market Cap	0.56	0.85	1.01	1.52	1.73
Interest Debt Per Share	47.09	53.62	51.93	59.55	51.75
Net Debt to EBITDA	3.63	3.10	3.95	6.47	7.15
Profitability Margins
Gross Profit Margin	57.03%	55.12%	59.99%	100.00%	100.00%
EBIT Margin	21.47%	19.49%	20.84%	40.86%	41.71%
EBITDA Margin	22.86%	20.92%	22.44%	44.04%	44.86%
Operating Profit Margin	21.47%	19.49%	20.84%	58.81%	41.71%
Pretax Profit Margin	21.47%	19.49%	20.84%	40.86%	41.71%
Net Profit Margin	18.55%	16.86%	16.37%	31.96%	31.71%
Continuous Operations Profit Margin	18.55%	16.86%	16.37%	31.96%	31.71%
Net Income Per EBT	86.37%	86.50%	78.55%	78.21%	76.03%
EBT Per EBIT	100.00%	100.00%	100.00%	69.48%	100.00%
Return on Assets (ROA)	1.27%	1.15%	1.06%	1.37%	1.35%
Return on Equity (ROE)	15.03%	13.47%	12.79%	15.68%	15.38%
Return on Capital Employed (ROCE)	8.48%	6.86%	6.63%	2.54%	1.78%
Return on Invested Capital (ROIC)	7.32%	5.93%	5.21%	9.88%	6.54%
Return on Tangible Assets	1.28%	1.15%	1.06%	1.38%	1.35%
Earnings Yield	11.04%	11.73%	11.36%	13.59%	14.74%
Efficiency Ratios
Receivables Turnover	20.19	20.37	17.04	1.70	2.05
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	26.36	24.01	17.75	10.63	17.07
Asset Turnover	0.07	0.07	0.06	0.04	0.04
Working Capital Turnover Ratio	-0.09	-0.11	-0.11	0.41	0.39
Cash Conversion Cycle	18.08	17.92	21.42	214.85	178.46
Days of Sales Outstanding	18.08	17.92	21.42	214.85	178.46
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	18.08	17.92	21.42	214.85	178.46
Cash Flow Ratios
Operating Cash Flow Per Share	8.28	7.06	6.43	4.70	4.33
Free Cash Flow Per Share	8.21	7.03	6.08	4.31	4.28
CapEx Per Share	0.07	0.03	0.35	0.39	0.05
Free Cash Flow to Operating Cash Flow	0.99	1.00	0.94	0.92	0.99
Dividend Paid and CapEx Coverage Ratio	6.24	6.10	4.61	3.65	5.49
Capital Expenditure Coverage Ratio	112.91	257.81	18.13	11.99	92.05
Operating Cash Flow Coverage Ratio	0.25	0.18	0.15	0.08	0.09
Operating Cash Flow to Sales Ratio	0.24	0.22	0.23	0.30	0.32
Free Cash Flow Yield	14.08%	15.18%	15.15%	11.78%	14.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.06	8.52	8.81	7.36	6.78
Price-to-Sales (P/S) Ratio	1.71	1.44	1.44	2.35	2.15
Price-to-Book (P/B) Ratio	1.30	1.15	1.13	1.15	1.04
Price-to-Free Cash Flow (P/FCF) Ratio	7.10	6.59	6.60	8.49	6.81
Price-to-Operating Cash Flow Ratio	6.89	6.56	6.24	7.78	6.74
Price-to-Earnings Growth (PEG) Ratio	1.11	0.42	-1.00	0.42	0.06
Price-to-Fair Value	1.30	1.15	1.13	1.15	1.04
Enterprise Value Multiple	11.13	9.97	10.37	11.81	11.95
Enterprise Value	705.25M	547.44M	526.41M	665.00M	604.37M
EV to EBITDA	11.13	9.97	10.37	11.81	11.95
EV to Sales	2.54	2.09	2.33	5.20	5.36
EV to Free Cash Flow	10.54	9.56	10.65	18.77	16.98
EV to Operating Cash Flow	10.45	9.52	10.07	17.21	16.79
Tangible Book Value Per Share	43.95	38.86	34.14	30.20	26.48
Shareholders’ Equity Per Share	43.95	40.33	35.62	31.68	27.95
Tax and Other Ratios
Effective Tax Rate	0.14	0.13	0.21	0.22	0.24
Revenue Per Share	33.99	32.20	27.82	15.54	13.56
Net Income Per Share	6.30	5.43	4.55	4.97	4.30
Tax Burden	0.86	0.87	0.79	0.78	0.76
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.26	0.28	0.46	0.53
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.02	0.02
Income Quality	1.31	1.30	1.41	0.95	1.01

Currency in USD