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Financial Services - Banks - Regional - NASDAQ - US
$ 44.4
-0.157 %
$ 369 M
Market Cap
8.54
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FBIZ stock under the worst case scenario is HIDDEN Compared to the current market price of 44.4 USD, First Business Financial Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FBIZ stock under the base case scenario is HIDDEN Compared to the current market price of 44.4 USD, First Business Financial Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FBIZ stock under the best case scenario is HIDDEN Compared to the current market price of 44.4 USD, First Business Financial Services, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FBIZ

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$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
233 M REVENUE
62.01%
161 M OPERATING INCOME
0.00%
44.2 M NET INCOME
19.49%
57.5 M OPERATING CASH FLOW
9.94%
-328 M INVESTING CASH FLOW
35.19%
289 M FINANCING CASH FLOW
-41.15%
41.2 M REVENUE
8.09%
0 OPERATING INCOME
0.00%
14.4 M NET INCOME
39.98%
22 M OPERATING CASH FLOW
59.23%
-102 M INVESTING CASH FLOW
-53.21%
106 M FINANCING CASH FLOW
2.05%
Balance Sheet First Business Financial Services, Inc.
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Current Assets 3.24 B
Cash & Short-Term Investments 158 M
Receivables 3.08 B
Other Current Assets 0
Non-Current Assets 22.8 M
Long-Term Investments 0
PP&E 10.9 M
Other Non-Current Assets 11.9 M
4.84 %94.46 %Total Assets$3.3b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 7.93 M
Long-Term Debt 7.93 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$7.9m
EFFICIENCY
Earnings Waterfall First Business Financial Services, Inc.
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Revenue 233 M
Cost Of Revenue 0
Gross Profit 233 M
Operating Expenses 72.3 M
Operating Income 161 M
Other Expenses 117 M
Net Income 44.2 M
250m250m200m200m150m150m100m100m50m50m00233m0233m(72m)161m(117m)44mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
68.99% OPERATING MARGIN
68.99%
18.98% NET MARGIN
18.98%
13.47% ROE
13.47%
1.15% ROA
1.15%
4.27% ROIC
4.27%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Business Financial Services, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 44.2 M
Depreciation & Amortization 3.74 M
Capital Expenditures -223 K
Stock-Based Compensation 2.78 M
Change in Working Capital 1.7 M
Others 3.37 M
Free Cash Flow 57.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Business Financial Services, Inc.
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Wall Street analysts predict an average 1-year price target for FBIZ of $52.8 , with forecasts ranging from a low of $40 to a high of $62 .
FBIZ Lowest Price Target Wall Street Target
40 USD -9.91%
FBIZ Average Price Target Wall Street Target
52.8 USD 18.92%
FBIZ Highest Price Target Wall Street Target
62 USD 39.64%
Price
Max Price Target
Min Price Target
Average Price Target
65656060555550504545404035353030May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.61% DIVIDEND YIELD
0.29 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.00001.00000.90000.90000.80000.80000.70000.70000.60000.60000.50000.50000.40000.40000.30000.30000.20000.20000.10000.10000.00000.00000.110.120.130.140.150.1650.180.19750.22750.250.290.110.120.130.140.150.1650.180.19750.22750.250.110.120.130.140.150.1650.180.19750.22750.250.110.440.120.480.130.520.140.560.150.450.1650.650.180.700.19750.770.22750.880.250.980.250.292015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership First Business Financial Services, Inc.
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Sold
0-3 MONTHS
263 K USD 1
3-6 MONTHS
2.71 M USD 4
6-9 MONTHS
297 K USD 3
9-12 MONTHS
49.2 K USD 1
Bought
0 USD 0
0-3 MONTHS
6 K USD 1
3-6 MONTHS
5.91 K USD 1
6-9 MONTHS
11.3 K USD 2
9-12 MONTHS
7. News
After Plunging -8.95% in 4 Weeks, Here's Why the Trend Might Reverse for First Business Financial Services (FBIZ) First Business Financial Services (FBIZ) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock. zacks.com - 1 week ago
First Business Financial Services (FBIZ) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Business Financial Services (FBIZ) have what it takes? zacks.com - 3 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Business Financial Services (FBIZ) have what it takes? zacks.com - 1 month ago
Is the Options Market Predicting a Spike in First Business Financial Services (FBIZ) Stock? Investors need to pay close attention to First Business Financial Services (FBIZ) stock based on the movements in the options market lately. zacks.com - 1 month ago
Why First Business Financial Services (FBIZ) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Business Financial Services (FBIZ) have what it takes? zacks.com - 1 month ago
23 Upcoming Dividend Increases, Including 2 Kings Excited to announce dividend hikes for 23 companies, including dividend kings SJW Group and California Water Service Group, with 5% and 7.1% increases. Companies with consistent dividend growth indicate financial health, attracting investors and boosting stock prices, leading to long-term wealth accumulation. Investment strategy focuses on stocks with rising dividends and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. seekingalpha.com - 2 months ago
First Business Bank Announces 16% Increase in Quarterly Common Stock Dividend MADISON, Wis.--(BUSINESS WIRE)--First Business Financial Services, Inc. (the “Company” or “First Business Bank”) (Nasdaq: FBIZ) announced its Board of Directors has declared a quarterly cash dividend on its common stock of $0.29 per share which is equivalent to a dividend yield of 22% based on Friday's market close price of $51.66. The quarterly dividend represents a 16% increase over the quarterly dividend declared in October 2024 and marks the 13th consecutive annual dividend raise. Based on. businesswire.com - 2 months ago
First Business Financial Services, Inc. (FBIZ) Q4 2024 Earnings Call Transcript First Business Financial Services, Inc. (NASDAQ:FBIZ ) Q4 2024 Earnings Conference Call January 31, 2025 2:00 PM ET Company Participants Corey Chambas - Chief Executive Officer Dave Seiler - President & Chief Operating Officer Brian Spielmann - Chief Financial Officer Conference Call Participants Daniel Tamayo - Raymond James Jeff Rulis - D.A. Davidson Damon DelMonte - KBW Nathan Race - Piper Sandler Operator Good afternoon. seekingalpha.com - 2 months ago
First Business Financial Services (FBIZ) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for First Business Financial Services (FBIZ) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
First Business Financial Services (FBIZ) Q4 Earnings and Revenues Beat Estimates First Business Financial Services (FBIZ) came out with quarterly earnings of $1.43 per share, beating the Zacks Consensus Estimate of $1.27 per share. This compares to earnings of $1.15 per share a year ago. zacks.com - 2 months ago
First Business Bank Announces Fourth Quarter 2024 Earnings Conference Call MADISON, Wis.--(BUSINESS WIRE)--First Business Financial Services, Inc. (the “Company” or “First Business Bank”) (Nasdaq:FBIZ) invites participation in a conference call to discuss the Company's financial and operating performance during its fourth quarter ended December 31, 2024. The conference call and webcast may contain forward-looking statements and other material information. Event: Earnings Conference Call – Fourth Quarter 2024 When: Friday, January 31, 2025 at 1:00 p.m. Central Time How. businesswire.com - 3 months ago
8. Profile Summary

First Business Financial Services, Inc. FBIZ

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 369 M
Dividend Yield 0.61%
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.
Contact 401 Charmany Drive, Madison, WI, 53719 https://www.firstbusiness.com
IPO Date Nov. 9, 2005
Employees 349
Officers Mr. Bradley A. Quade Executive Vice President & Chief Credit Officer Mr. Brian D. Spielmann CPA, M.B.A. Chief Financial Officer & Treasurer Ms. Theresa M. Wiese Managing Director of Compliance & Risk Management Mr. Kevin D. Crampton CPA Chief Accounting Officer Ms. Jodi A. Chandler Chief Human Resources Officer Mr. Corey A. Chambas Chief Executive Officer & Director Ms. Jodie Johnson Senior Director of Marketing & Communications Mr. David R. Seiler President & Chief Operating Officer Mr. Daniel S. Ovokaitys Chief Information Officer Mr. Mark J. Meloy Executive Vice President