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+37.0%
5Y+59.0%
10Y+129.0%
3Y+37.0%
5Y+57.0%
10Y+129.0%
3Y+43.0%
5Y+80.0%
10Y+130.0%
fbiz

First Business Financial Services, Inc. Funding & Solvency Profile

FBIZ ยท NASDAQ
Cash & Cash Equivalents30.77M
Net Receivables3.34B
Inventory0.00
Other Current Assets-3.34B
Total Current Assets39 M
Property, Plant & Equipment9.99M
Goodwill & Intangible Assets11.98M
Long-Term Investments3.83B
Other Non-Current Assets191.47M
Total Non-Current Assets4 B
Total Assets
4.08B

Financial Health Analysis

Current Ratio

0.31x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.99x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-87372000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First Business Financial Services, Inc. Balance Sheet

FBIZ โ€ข NASDAQ

First Business Financial Services, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
30.8M
157.7M
139.5M
102.7M
57.1M
56.9M
67.1M
86.5M
52.5M
77.5M
113.6M
103.2M
81.3M
85.6M
130.1M
9.5M
8.6M
19.2M
17.4M
19.2M
8.7M
341.4M
297M
212M
205.7M
183.9M
173.1M
138.4M
126M
145.9M
140.5M
144.7M
180.1M
200.6M
170.4M
41.4M
104.2M
4.5M
0.0
0.0
39.5M
499.1M
436.5M
314.7M
262.8M
240.8M
240.2M
224.9M
178.5M
223.4M
254.1M
247.9M
261.4M
286.2M
300.5M
50.8M
112.7M
23.7M
17.4M
19.2M
3.3B
12.9M
13.3M
9.4M
21.2M
30.9M
33.9M
38.9M
35.8M
35.6M
35.5M
3.9M
29.3M
19.1M
20.7M
3.4M
18.4M
12.2M
10.3M
9.6M
3.3B
12.9M
13.3M
9.4M
5.5M
8.6M
5.8M
5.7M
5M
4.7M
4.4M
3.9M
3.2M
3.2M
3.5M
3.4M
18.4M
12.2M
10.3M
9.6M
0.0
0.0
0.0
0.0
15.7M
22.3M
28.1M
33.2M
30.8M
31M
31.1M
0.0
26.1M
15.9M
17.1M
0.0
0.0
0.0
0.0
0.0
4.8M
4.2M
4.3M
3.8M
2.7M
2.2M
2.3M
2.9M
3.1M
3.1M
3.3M
2.2M
1.2M
1.5M
1.5M
3.5M
0.0
0.0
0.0
0.0
-3.3B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39.5M
516.2M
454.1M
327.9M
286.7M
273.9M
276.4M
266.7M
217.4M
262.1M
292.9M
254.1M
291.9M
306.8M
322.6M
57.7M
131.1M
35.9M
27.8M
28.8M
NON-CURRENT ASSETS
10M
10.9M
12.7M
12M
6.6M
7.8M
9.5M
3.3M
3.2M
3.8M
4M
3.9M
1.2M
968K
999K
974K
1.2M
1.5M
1.5M
1.1M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
0.0
0.0
0.0
0.0
2.7M
2.7M
2.8M
2.8M
1.3M
1.2M
1.3M
1.5M
1.6M
1.3M
1.2M
1.3M
2M
2.1M
1.8M
1.2M
0.0
0.0
0.0
32K
51K
73K
0.0
0.0
12M
11.9M
12M
12.2M
12.3M
12M
11.9M
12M
12.7M
12.8M
12.5M
11.9M
0.0
0.0
0.0
32K
2.7M
2.8M
2.8M
2.8M
3.8B
3.2B
2.9B
2.5B
2.3B
2.2B
1.7B
1.6B
1.5B
1.5B
1.4B
1.3B
944.4M
886M
825.5M
1B
962.1M
949.7M
869.2M
740.1M
0.0
12.6M
9.5M
11.7M
6.2M
7.2M
5.4M
3.2M
2.6M
4.1M
2.6M
3.6M
3.7M
4.6M
2.5M
4.9M
0.0
0.0
0.0
0.0
191.5M
79.2M
81.1M
80.8M
76.7M
72.7M
57.8M
57.4M
52.9M
47M
34.4M
36.2M
27.5M
27.8M
25.6M
27.2M
20.3M
20.9M
17.1M
15.5M
4B
3.3B
3.1B
2.6B
2.4B
2.3B
1.8B
1.7B
1.6B
1.5B
1.5B
1.4B
976.7M
919.3M
854.6M
1B
986.3M
974.9M
890.7M
759.5M
4.1B
3.9B
3.5B
3B
2.7B
2.6B
2.1B
2B
1.8B
1.8B
1.8B
1.6B
1.3B
1.2B
1.2B
1.1B
1.1B
1B
918.4M
788.3M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
19.4M
15.3M
15.6M
14.4M
21.5M
12.5M
10.5M
9.3M
9.1M
7.3M
11.6M
11M
0.0
0.0
14.1M
11.8M
9.3M
0.0
0.0
0.0
19.4M
15.3M
15.6M
14.4M
21.5M
12.5M
10.5M
9.3M
9.1M
7.3M
11.6M
11M
0.0
0.0
14.1M
11.8M
9.3M
33.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
126.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
451K
-33.5M
3.1B
2.8B
2.2B
2B
1.9B
1.5B
1.5B
1.4B
1.5B
1.6B
1.4B
1.1B
1.1B
1.1B
988.3M
984.4M
838.9M
776.1M
640.3M
126.9M
3.1B
2.8B
2.2B
2B
1.9B
1.5B
1.5B
1.4B
1.5B
1.6B
1.4B
1.1B
1.1B
1.1B
988.3M
984.4M
852.9M
787.9M
650M
NON-CURRENT LIABILITIES
126.8M
320M
330.9M
456.8M
413.5M
429.2M
329.4M
309M
217.9M
69.7M
44.7M
44.3M
22.3M
22.7M
50.6M
51.8M
67.8M
104.8M
82M
92.5M
3.5B
89.5M
81.6M
61.4M
28.3M
54.9M
20.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.6M
10.8M
0.0
0.0
0.0
3.6B
417.5M
421.5M
528.4M
447.2M
490.5M
357.9M
309M
217.9M
69.7M
44.7M
44.3M
22.3M
22.7M
50.6M
63.4M
78.7M
104.8M
82M
92.5M
5.7M
7.9M
9M
10.2M
5.4M
6.4M
7.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.7B
3.5B
3.2B
2.7B
2.4B
2.4B
1.9B
1.8B
1.6B
1.6B
1.6B
1.5B
1.2B
1.1B
1.1B
1.1B
1.1B
957.8M
869.9M
742.6M
SHAREHOLDERS' EQUITY
-32.8M
-31.4M
-30.1M
-27.2M
-22M
-16.6M
-14.9M
-7.6M
-7.1M
-6.8M
-6.3M
-5.4M
-3.6M
-1.8M
-1.6M
-1.5M
-1.5M
-1.4M
-1.4M
-530K
12M
12M
12M
12M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
96K
95K
95K
94K
93K
92K
92K
91K
90K
90K
89K
45K
41K
40K
27K
27K
26K
26K
26K
25K
96.5M
93.5M
90.6M
87.5M
85.8M
83.1M
81.2M
79.6M
78.6M
77.5M
76.5M
75M
56M
53.5M
25.8M
25.3M
24.7M
24.1M
23.5M
23M
305.5M
265.8M
230.7M
203.5M
170M
140.4M
129.1M
110.3M
98.9M
91.3M
80.6M
67.9M
57.1M
45.6M
37.5M
29.8M
29.6M
29.3M
26.8M
24.2M
-9.7M
-11.4M
-13.7M
-15.3M
-1.5M
-933K
-1.3M
-1.7M
-1.2M
-522K
-80K
218K
-342K
2.2M
2.5M
1.8M
1.5M
1.1M
-399K
-1M
371.6M
328.6M
289.6M
260.6M
232.4M
206.2M
194.2M
180.7M
169.3M
161.7M
150.8M
137.7M
109.3M
99.5M
64.2M
55.3M
54.4M
53M
48.6M
45.8M
371.6M
328.6M
289.6M
260.6M
232.4M
206.2M
194.2M
180.7M
169.3M
161.7M
150.8M
137.7M
109.3M
99.5M
64.2M
55.3M
54.4M
53M
48.6M
45.8M
SUMMARY
4.1B
3.9B
3.5B
3B
2.7B
2.6B
2.1B
2B
1.8B
1.8B
1.8B
1.6B
1.3B
1.2B
1.2B
1.1B
1.1B
1B
918.4M
788.3M
3.8B
3.6B
3.2B
2.7B
2.5B
2.4B
1.9B
1.8B
1.6B
1.6B
1.6B
1.5B
1.1B
1.1B
995.9M
1.1B
1.1B
954.1M
869.2M
740.1M
259.4M
328M
339.9M
467M
418.9M
435.6M
337M
309M
217.9M
69.7M
44.7M
44.3M
22.3M
22.7M
50.6M
51.8M
67.8M
104.8M
82M
93M
228.6M
170.3M
200.4M
364.3M
361.8M
378.7M
269.9M
222.4M
165.4M
-7.8M
-68.8M
-58.9M
-59M
-62.9M
-79.5M
42.4M
59.3M
85.6M
64.6M
73.8M
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045
8,324,045

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