First Business Financial Services, Inc.

First Business Financial Services, Inc.

FBIZยทNASDAQ

$55.79

-2.8%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$466.53M
EPS6.0600
P/E Ratio9.21
Earnings Date07/23/2026
3Y+85.0%
5Y+135.0%
10Y+202.0%
3Y+23.0%
5Y+196.0%
10Y+238.0%
3Y+60.0%
5Y+132.0%
10Y+136.0%
First Business Financial Services, Inc.

First Business Financial Services, Inc. Profit Bridge

FBIZ ยท NASDAQ
Revenue279.25M
Cost of Goods Sold (119.28M)
Gross Profit159.97M
Operating Expenses (99.52M)
Operating Income60.45M
Interest Expense (110.62M)
Other Income/Expense0.00
Pretax Income60.45M
Income Tax (10.13M)
Net Income50.32M
Net Income
50.32M

Profitability Analysis

Gross Margin

57.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

21.6%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.0%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

16.8%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Business Financial Services, Inc. Income Statement

FBIZ โ€ข NASDAQ

First Business Financial Services, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
279.2M
262.4M
226.2M
150.8M
124.1M
118.7M
121.4M
107.4M
89.7M
92.4M
89.5M
67.8M
62.3M
63.5M
63.3M
63.4M
62.8M
64.9M
63.9M
51.3M
GROSS PROFIT
(119.3M)
(117.8M)
(90.5M)
(19.1M)
(5.5M)
(33.9M)
(34.5M)
(31.3M)
(23.6M)
(24.7M)
(17.2M)
(12.8M)
(10.7M)
(21.1M)
(25M)
(31.7M)
(36.5M)
(37.8M)
(39.2M)
(30.2M)
160M
144.6M
135.7M
131.7M
118.6M
84.8M
86.9M
76M
66.1M
67.7M
72.3M
55M
51.5M
42.3M
38.3M
31.7M
26.3M
27.1M
24.7M
21.1M
OPERATING INCOME
(99.5M)
(93.5M)
(88.6M)
(79.5M)
(71.5M)
(66.5M)
(62.4M)
(58.4M)
(51.8M)
(50.7M)
(47.4M)
(33.8M)
(30.4M)
(28.7M)
(26.4M)
(28.4M)
(24.5M)
(21.9M)
(19.7M)
(15.7M)
(76.7M)
(72.3M)
(66.2M)
(61.1M)
(54.9M)
(48.7M)
(50.9M)
(46.4M)
(43.8M)
(42.9M)
(38.6M)
(26.9M)
(24.1M)
(22.4M)
(19.6M)
(19.5M)
(17.6M)
(15M)
(13.2M)
(10.2M)
60.5M
51.2M
47.1M
52.2M
47M
18.3M
24.5M
17.7M
14.2M
17.1M
24.9M
21.2M
21.1M
13.7M
11.9M
3.3M
1.8M
5.2M
5.1M
5.4M
PRE-TAX INCOME
(110.6M)
(108.9M)
(82.3M)
(22.9M)
(11.3M)
(17.1M)
(32.2M)
(23.9M)
(15.2M)
(14.8M)
(13.8M)
(11.6M)
(11.7M)
(16.9M)
(20.8M)
(24.7M)
(28.3M)
(33.5M)
(36.3M)
(28.7M)
136.7M
124.2M
112.6M
98.4M
84.7M
77.1M
69.9M
67.3M
60.6M
63.3M
58.6M
46.1M
42.1M
37.9M
35.5M
32M
28M
26.3M
23.2M
19M
(22.8M)
(21.2M)
(22.4M)
(18.3M)
(16.7M)
(17.8M)
(11.6M)
(11.9M)
(8.1M)
(7.8M)
(8.7M)
(6.8M)
(6.2M)
(6.2M)
(6.8M)
(8.8M)
(6.9M)
(6.9M)
(6.5M)
(5.5M)
60.5M
51.2M
47.1M
52.2M
47M
18.3M
24.5M
17.7M
14.2M
17.1M
24.9M
21.2M
21.1M
13.7M
11.9M
3.3M
1.8M
5.2M
5.1M
5.4M
NET INCOME
(10.1M)
(6.9M)
(10.1M)
(11.4M)
(11.3M)
(1.3M)
(1.2M)
(1.4M)
(2.3M)
(2.2M)
(8.4M)
(7.1M)
(7.4M)
(4.8M)
(3.4M)
(2.3M)
(717K)
(2.1M)
(1.8M)
(1.7M)
50.3M
44.2M
37M
40.9M
35.8M
17M
23.3M
16.3M
11.9M
14.9M
16.5M
14.1M
13.7M
8.9M
8.4M
941K
1M
3.1M
3.3M
3.7M

SEC Filings

FBIZ - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 28, 2026
May 22, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

May 11, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 24, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 24, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 16, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

April 14, 2026
April 09, 2026
2026
8-K

8-K 2026

N/A

March 12, 2026
March 12, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 05, 2026
March 05, 2026
2026
Showing 1 to 10 of 402 filings