52.6 USD
+1.55 (+3.04%)
52.6 USD
0 (0%)
Taking everything into account, FBIZ scores 5 out of 10 in our fundamental rating. FBIZ was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of FBIZ while its profitability can be described as average. FBIZ is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FBIZ was profitable.
In the past year FBIZ had a positive cash flow from operations.
Each year in the past 5 years FBIZ has been profitable.
FBIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.23%, FBIZ is in the better half of the industry, outperforming 78.04% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.81%, FBIZ belongs to the top of the industry, outperforming 91.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.81% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)13.35%
ROE(5y)12.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FBIZ has a Profit Margin of 29.53%. This is in the better half of the industry: FBIZ outperforms 78.04% of its industry peers.
FBIZ's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FBIZ so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y2.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FBIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FBIZ has less shares outstanding
FBIZ has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, FBIZ has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FBIZ is 0.82, which is an excellent value as it means it would take FBIZ, only 0.82 years of fcf income to pay off all of its debts.
FBIZ has a Debt to FCF ratio of 0.82. This is in the better half of the industry: FBIZ outperforms 73.64% of its industry peers.
FBIZ has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, FBIZ is in line with its industry, outperforming 54.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FBIZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.47%, which is quite impressive.
Measured over the past years, FBIZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.26% on average per year.
The Revenue has decreased by -9.53% in the past year.
FBIZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.46% yearly.
EPS 1Y (TTM)30.47%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%37.1%
Revenue 1Y (TTM)-9.53%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%16.96%
3.2 Future
FBIZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.14% yearly.
Based on estimates for the next years, FBIZ will show a quite strong growth in Revenue. The Revenue will grow by 8.55% on average per year.
EPS Next Y7.14%
EPS Next 2Y8.18%
EPS Next 3Y8.14%
EPS Next 5YN/A
Revenue Next Year10.75%
Revenue Next 2Y9.35%
Revenue Next 3Y8.55%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
FBIZ is valuated reasonably with a Price/Earnings ratio of 8.65.
90.96% of the companies in the same industry are more expensive than FBIZ, based on the Price/Earnings ratio.
FBIZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
Based on the Price/Forward Earnings ratio of 8.61, the valuation of FBIZ can be described as reasonable.
78.04% of the companies in the same industry are more expensive than FBIZ, based on the Price/Forward Earnings ratio.
FBIZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.61 |
4.2 Price Multiples
FBIZ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FBIZ is cheaper than 87.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.54 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.21
PEG (5Y)0.61
EPS Next 2Y8.18%
EPS Next 3Y8.14%
5. Dividend
5.1 Amount
FBIZ has a Yearly Dividend Yield of 2.33%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, FBIZ is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, FBIZ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
5.2 History
The dividend of FBIZ is nicely growing with an annual growth rate of 13.04%!
FBIZ has been paying a dividend for at least 10 years, so it has a reliable track record.
FBIZ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.04%
Div Incr Years12
Div Non Decr Years19
5.3 Sustainability
20.67% of the earnings are spent on dividend by FBIZ. This is a low number and sustainable payout ratio.
FBIZ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP20.67%
EPS Next 2Y8.18%
EPS Next 3Y8.14%
52.6
+1.55 (+3.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.34%
Inst Owner Change1.22%
Ins Owners3.3%
Ins Owner Change1.42%
Market Cap437.63M
Revenue(TTM)167.55M
Net Income(TTM)49.47M
Analysts83.64
Price Target61.2 (16.35%)
Short Float %1.09%
Short Ratio2.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Yearly Dividend1.11
Dividend Growth(5Y)13.04%
DP20.67%
Div Incr Years12
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.88%
Min EPS beat(2)-0.47%
Max EPS beat(2)20.23%
EPS beat(4)3
Avg EPS beat(4)13.34%
Min EPS beat(4)-0.47%
Max EPS beat(4)31.78%
EPS beat(8)5
Avg EPS beat(8)7.08%
EPS beat(12)6
Avg EPS beat(12)4.2%
EPS beat(16)10
Avg EPS beat(16)8.06%
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)3.2%
Revenue beat(4)2
Avg Revenue beat(4)0.62%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)3.2%
Revenue beat(8)2
Avg Revenue beat(8)-1.36%
Revenue beat(12)5
Avg Revenue beat(12)4.14%
Revenue beat(16)7
Avg Revenue beat(16)3.33%
PT rev (1m)3.09%
PT rev (3m)3.09%
EPS NQ rev (1m)-2.78%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.61 | ||
| P/S | 2.61 | ||
| P/FCF | 6.54 | ||
| P/OCF | 6.48 | ||
| P/B | 1.22 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.08
EY11.56%
EPS(NY)6.11
Fwd EY11.61%
FCF(TTM)8.04
FCFY15.29%
OCF(TTM)8.12
OCFY15.43%
SpS20.14
BVpS43.07
TBVpS41.62
PEG (NY)1.21
PEG (5Y)0.61
Graham Number76.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.53% | ||
| GM | N/A | ||
| FCFM | 39.94% |
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)13.35%
ROE(5y)12.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y2.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 15.58% | ||
| Cap/Sales | 0.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC17.26%
ROIC/WACCN/A
Cap/Depr(3y)54.8%
Cap/Depr(5y)36.58%
Cap/Sales(3y)1.56%
Cap/Sales(5y)1.05%
Profit Quality(3y)122.06%
Profit Quality(5y)125.54%
High Growth Momentum
Growth
EPS 1Y (TTM)30.47%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%37.1%
EPS Next Y7.14%
EPS Next 2Y8.18%
EPS Next 3Y8.14%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.53%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%16.96%
Revenue Next Year10.75%
Revenue Next 2Y9.35%
Revenue Next 3Y8.55%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.28%
FCF growth 3Y17.17%
FCF growth 5Y14.77%
OCF growth 1Y46.08%
OCF growth 3Y16.9%
OCF growth 5Y14.68%
FIRST BUSINESS FINANCIAL SER / FBIZ FAQ
What is the ChartMill fundamental rating of FIRST BUSINESS FINANCIAL SER (FBIZ) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FBIZ.
Can you provide the valuation status for FIRST BUSINESS FINANCIAL SER?
ChartMill assigns a valuation rating of 6 / 10 to FIRST BUSINESS FINANCIAL SER (FBIZ). This can be considered as Fairly Valued.
What is the profitability of FBIZ stock?
FIRST BUSINESS FINANCIAL SER (FBIZ) has a profitability rating of 4 / 10.
Can you provide the financial health for FBIZ stock?
The financial health rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 3 / 10.
Can you provide the dividend sustainability for FBIZ stock?
The dividend rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 5 / 10 and the dividend payout ratio is 20.67%.