Receive $200 for creating an Interactive Brokers account using our link: Create IBKR account. Read our Interactive Brokers analysis

Ticker
FBIZ

Price
58.72
Stock movement up
+0.36 (0.62%)
Company name
First Business Financial Services
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
488.87M
Ent value
4.16B
Price/Sales
1.75
Price/Book
0.52
Div yield
1.98%
Div growth
15.81%
Growth years
8
FCF payout
17.62%
Trailing P/E
9.72
Forward P/E
8.82
PEG
1.21
EPS growth
24.95%
1 year return (CAGR)
9.49%
3 year return (CAGR)
18.03%
5 year return (CAGR)
21.53%
10 year return (CAGR)
10.52%
Last updated: 2026-03-13

DIVIDENDS

Dividend yield - 5y

Loading...
Dividend yield data
Dividend per share1.16
Dividend yield1.98%
Payout frequency-
Maximum yield3.61%
Average yield2.51%
Minimum yield1.77%
Discount to avg yield-27.24%
Upside potential-21.41%
Yield as % of max yield54.79%

Yield distribution (inverse percentile) - 5y

Loading...
Yield distribution data
Dividend yield1.98%
Current yield distribution97.22%
Yield at 100% (Min)1.77%
Yield at 90%2.09%
Yield at 80%2.22%
Yield at 50% (Median)2.46%
Yield at 20%2.85%
Yield at 10%2.99%
Yield at 0% (Max)3.61%

Dividend per share

Loading...
Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share1.16
Payout frequency-
Ex-div date13 Feb 2026
EPS (TTM)6.16
EPS (1y forward)6.66
EPS growth (5y)24.95%
EPS growth (5y forward)8.00%

Dividend growth

Loading...
Please create a free account or log in to access this chart
Dividend growth data
FBIZS&P500
DGR MR16.00%-13.74%
DGR TTM12.00%6.60%
DGR 3 years20.19%7.31%
DGR 5 years15.81%4.69%
DGR 10 years11.52%6.30%
DGR 15 years15.71%8.16%
Time since last change announced321 days
EPS growth (5y)24.95%
EPS growth (5y forward)8.00%

Payout ratio

Loading...
Please create a free account or log in to access this chart
Payout ratio data
EPS coverageFCF coverage
TTM15.75%17.62%
Average--
Forward17.42%-

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Loading...
Valuation Ratios data
Trailing P/E9.72
Price to OCF10.73
Price to FCF10.86
Price to EBITDA6.44
EV to EBITDA54.81

Valuation (Sales/Book Value)

Loading...
Valuation (Sales/Book Value) data
Price to Sales1.75
Price to Book0.52
EV to Sales14.90

FINANCIALS

Per share

Loading...
Per share data
Current share count8.33M
EPS (TTM)6.16
FCF per share (TTM)5.51

Income statement

Loading...
Income statement data
Revenue (TTM)279.25M
Gross profit (TTM)159.97M
Operating income (TTM)60.45M
Net income (TTM)50.32M
EPS (TTM)6.16
EPS (1y forward)6.66

Margins

Loading...
Margins data
Gross margin (TTM)57.29%
Operating margin (TTM)21.65%
Profit margin (TTM)18.02%

Balance Sheet

Loading...
Please create a free account or log in to access this chart
Balance Sheet data
Cash39.48M
Net receivables3.34B
Total current assets39.48M
Goodwill0.00
Intangible assets11.98M
Property, plant and equipment0.00
Total assets4.08B
Accounts payable0.00
Short/Current long term debt259.41M
Total current liabilities126.86M
Total liabilities3.71B
Shareholder's equity931.26M
Net tangible assets0.00

Cash flow

Loading...
Please create a free account or log in to access this chart
Cash flow data
Operating cash flow (TTM)45.55M
Capital expenditures (TTM)556.00K
Free cash flow (TTM)45.00M
Dividends paid (TTM)7.93M

Financial returns

Loading...
Please create a free account or log in to access this chart
Financial returns data
Return on Equity5.40%
Return on Assets1.23%
Return on Invested Capital5.40%
Cash Return on Invested Capital4.83%

STOCK INFORMATION

Stock chart

Loading...
Stock price data
Open58.60
Daily high59.09
Daily low58.41
Daily Volume20K
All-time high59.85
1y analyst estimate67.20
Beta0.73
EPS (TTM)6.16
Dividend per share1.16
Ex-div date13 Feb 2026
Next earnings date23 Apr 2026

Downside potential

Loading...
Downside potential data
FBIZS&P500
Current price drop from All-time high-1.89%-1.82%
Highest price drop-74.09%-56.47%
Date of highest drop25 Aug 20099 Mar 2009
Avg drop from high-20.66%-10.84%
Avg time to new high36 days12 days
Max time to new high1275 days1805 days
COMPANY DETAILS
FBIZ (First Business Financial Services) company logo
Marketcap
488.87M
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 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.
Employees
365
Investor relations
SEC filings
CEO
Corey Chambas
Country
USA
City
Madison
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
Loading...
UNDERSTAND THE BUSINESS
Loading...