Ticker
FBIZ

Price
38.92
Stock movement up
+0.45 (1.17%)
Company name
First Business Financial Services
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks-Regional
Market cap
329.57M
Ent value
2.71B
Price/Sales
3.03
Price/Book
1.34
Div yield
2.03%
Div growth
8.45%
Growth years
8
FCF payout
20.37%
Trailing P/E
6.95
Forward P/E
9.78
PEG
0.87
EPS growth
8.90%
1 year return
31.93%
3 year return
17.03%
5 year return
10.74%
10 year return
12.62%
Last updated: 2022-12-05

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.79
Dividend yield2.03%
Payout frequencyQuarterly
Maximum yield5.02%
Average yield2.82%
Minimum yield2.00%
Discount to avg yield-39.03%
Upside potential-28.07%
Yield as % of max yield40.47%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.03%
Current yield distribution99.05%
Yield at 100% (Min)2.00%
Yield at 90%2.24%
Yield at 80%2.37%
Yield at 50% (Median)2.58%
Yield at 20%3.09%
Yield at 10%4.03%
Yield at 0% (Max)5.02%

Dividend per share

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Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share0.79
Payout frequencyQuarterly
Ex-div date4 Nov 2022
EPS (TTM)5.77
EPS (1y forward)3.98
EPS growth (5y)8.90%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
FBIZS&P500
DGR MR9.72%1.24%
DGR TTM9.72%9.08%
DGR 3 years8.74%3.88%
DGR 5 years8.45%4.73%
DGR 10 years17.79%8.30%
DGR 15 years12.69%5.82%
Time since last change announced313 days
EPS growth (5y)8.90%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM13.27%20.37%
Average--
Forward19.85%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E6.95
Price to OCF10.54
Price to FCF10.67
Price to EBITDA4.53
EV to EBITDA37.32

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales3.03
Price to Book1.34
EV to Sales24.90

FINANCIALS

Per share

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Per share data
Current share count8.47M
EPS (TTM)5.77
FCF per share (TTM)3.76

Income statement

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Income statement data
Revenue (TTM)108.94M
Gross profit (TTM)111.21M
Operating income (TTM)45.08M
Net income (TTM)47.45M
EPS (TTM)5.77
EPS (1y forward)3.98

Margins

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Margins data
Gross margin (TTM)102.08%
Operating margin (TTM)41.38%
Profit margin (TTM)43.56%

Balance Sheet

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Balance Sheet data
Cash95.60M
Net receivables58.37M
Total current assets2.59B
Goodwill0.00
Intangible assets12.18M
Property, plant and equipment0.00
Total assets2.72B
Accounts payable8.31M
Short/Current long term debt422.07M
Total current liabilities2.02B
Total liabilities2.48B
Shareholder's equity245.05M
Net tangible assets220.88M

Cash flow

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Cash flow data
Operating cash flow (TTM)31.26M
Capital expenditures (TTM)362.00K
Free cash flow (TTM)30.90M
Dividends paid (TTM)6.29M

Financial returns

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Financial returns data
Return on Equity19.36%
Return on Assets1.74%
Return on Invested Capital17.57%
Cash Return on Invested Capital11.44%

STOCK INFORMATION

Stock chart

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Stock price data
Open38.42
Daily high39.00
Daily low38.33
Daily Volume19K
All-time high39.59
1y analyst estimate39.25
Beta0.75
EPS (TTM)5.77
Dividend per share0.79
Ex-div date4 Nov 2022
Next earnings date25 Jan 2023

Downside potential

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Downside potential data
FBIZS&P500
Current price drop from All-time high-1.69%-14.82%
Highest price drop-74.09%-56.47%
Date of highest drop25 Aug 20099 Mar 2009
Avg drop from high-22.43%-11.46%
Avg time to new high39 days13 days
Max time to new high1275 days1805 days
COMPANY DETAILS
FBIZ (First Business Financial Services) company logo
Marketcap
329.57M
Marketcap category
Small-cap
Description
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.
Employees
313
Investor relations
SEC filings
CEO
Corey Chambas
Country
USA
City
Madison
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
All newsPress releases
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
November 28, 2022
First Business Bank has relocated its southeast Wisconsin office. The Madison-based bank previously operated a Brookfield office at 18500 W. Corporate Drive. As of Monday, the bank announced it had ...
November 15, 2022
First Business Financial Services (FBIZ) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
November 9, 2022
First Business Financial Services ( NASDAQ:FBIZ ) Third Quarter 2022 Results Key Financial Results Revenue: US$34.1m...
November 8, 2022
MADISON, Wis., October 28, 2022--First Business Financial Services, Inc. (the "Company", the "Bank", or "First Business Bank") (Nasdaq: FBIZ) announced its board of directors has declared a quarterly ...
October 28, 2022
First Business Financial Services (FBIZ) delivered earnings and revenue surprises of 25% and 7.17%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for...
October 27, 2022
MADISON, Wis., October 27, 2022--First Business Financial Services, Inc. (the "Company", the "Bank", or "First Business Bank") (Nasdaq:FBIZ) reported quarterly net income available to common sharehold...
October 27, 2022
First Business Financial Services (FBIZ) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly re...
October 26, 2022
First Business Financial Services (FBIZ) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
October 20, 2022
First Business Financial Services (FBIZ) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
October 18, 2022
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