FIRST BUSINESS FINANCIAL SER (FBIZ) Stock Fundamental Analysis

NASDAQ:FBIZ • US3193901002

58.36 USD
-0.35 (-0.6%)
At close: Feb 13, 2026
58.36 USD
0 (0%)
After Hours: 2/13/2026, 8:06:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FBIZ gets a fundamental rating of 4 out of 10. We evaluated FBIZ against 381 industry peers in the Banks industry. While FBIZ is still in line with the averages on profitability rating, there are concerns on its financial health. FBIZ is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FBIZ was profitable.
  • FBIZ had a positive operating cash flow in the past year.
  • FBIZ had positive earnings in 4 of the past 5 years.
  • Of the past 5 years FBIZ 4 years had a positive operating cash flow.
FBIZ Yearly Net Income VS EBIT VS OCF VS FCFFBIZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

  • FBIZ's Return On Assets of 1.23% is fine compared to the rest of the industry. FBIZ outperforms 77.17% of its industry peers.
  • FBIZ has a Return On Equity of 13.81%. This is amongst the best in the industry. FBIZ outperforms 90.55% of its industry peers.
Industry RankSector 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
FBIZ Yearly ROA, ROE, ROICFBIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 29.53%, FBIZ is doing good in the industry, outperforming 75.85% of the companies in the same industry.
  • 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 RankSector 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
FBIZ Yearly Profit, Operating, Gross MarginsFBIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FBIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FBIZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FBIZ Yearly Shares OutstandingFBIZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
FBIZ Yearly Total Debt VS Total AssetsFBIZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 better Debt to FCF ratio (0.82) than 72.44% of its industry peers.
  • A Debt/Equity ratio of 0.15 indicates that FBIZ is not too dependend on debt financing.
  • FBIZ's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. FBIZ outperforms 54.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACCN/A
WACC16.59%
FBIZ Yearly LT Debt VS Equity VS FCFFBIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBIZ Yearly Current Assets VS Current LiabilitesFBIZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.98% over the past year.
  • FBIZ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.75% yearly.
EPS 1Y (TTM)13.98%
EPS 3Y7.87%
EPS 5Y23.75%
EPS Q2Q%-7.6%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.19% on average over the next years.
  • The Revenue is expected to grow by 7.89% on average over the next years.
EPS Next Y3.07%
EPS Next 2Y7.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.31%
Revenue Next 2Y7.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
FBIZ Yearly Revenue VS EstimatesFBIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
FBIZ Yearly EPS VS EstimatesFBIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.81, the valuation of FBIZ can be described as very reasonable.
  • FBIZ's Price/Earnings ratio is rather cheap when compared to the industry. FBIZ is cheaper than 85.83% of the companies in the same industry.
  • FBIZ is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.52, which indicates a very decent valuation of FBIZ.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FBIZ indicates a somewhat cheap valuation: FBIZ is cheaper than 76.64% of the companies listed in the same industry.
  • FBIZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 9.81
Fwd PE 9.52
FBIZ Price Earnings VS Forward Price EarningsFBIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBIZ indicates a rather cheap valuation: FBIZ is cheaper than 86.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.26
EV/EBITDA N/A
FBIZ Per share dataFBIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FBIZ does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.2
PEG (5Y)0.41
EPS Next 2Y7.19%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • FBIZ has a Yearly Dividend Yield of 2.32%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, FBIZ has a dividend in line with its industry peers.
  • FBIZ's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.32%

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
FBIZ Yearly Dividends per shareFBIZ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 2Y7.19%
EPS Next 3YN/A
FBIZ Yearly Income VS Free CF VS DividendFBIZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FBIZ Dividend Payout.FBIZ Dividend Payout, showing the Payout Ratio.FBIZ Dividend Payout.PayoutRetained Earnings

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FIRST BUSINESS FINANCIAL SER

NASDAQ:FBIZ (2/13/2026, 8:06:18 PM)

After market: 58.36 0 (0%)

58.36

-0.35 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners71%
Inst Owner Change0.83%
Ins Owners3.3%
Ins Owner Change-0.04%
Market Cap486.14M
Revenue(TTM)N/A
Net Income(TTM)49.47M
Analysts82
Price Target68.6 (17.55%)
Short Float %0.9%
Short Ratio2.81
Dividend
Industry RankSector Rank
Dividend Yield 2.32%
Yearly Dividend1.11
Dividend Growth(5Y)13.04%
DP20.67%
Div Incr Years12
Div Non Decr Years19
Ex-Date02-13
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)12.08%
PT rev (3m)13.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 9.81
Fwd PE 9.52
P/S 2.9
P/FCF 7.26
P/OCF 7.2
P/B 1.36
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)5.95
EY10.2%
EPS(NY)6.13
Fwd EY10.51%
FCF(TTM)8.03
FCFY13.77%
OCF(TTM)8.11
OCFY13.89%
SpS20.11
BVpS43.02
TBVpS41.57
PEG (NY)3.2
PEG (5Y)0.41
Graham Number75.89
Profitability
Industry RankSector 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 RankSector 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
WACC16.59%
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)13.98%
EPS 3Y7.87%
EPS 5Y23.75%
EPS Q2Q%-7.6%
EPS Next Y3.07%
EPS Next 2Y7.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.6%
Revenue Next Year7.31%
Revenue Next 2Y7.89%
Revenue Next 3YN/A
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 4 / 10 to FBIZ.


What is the valuation status of FIRST BUSINESS FINANCIAL SER (FBIZ) stock?

ChartMill assigns a valuation rating of 6 / 10 to FIRST BUSINESS FINANCIAL SER (FBIZ). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST BUSINESS FINANCIAL SER?

FIRST BUSINESS FINANCIAL SER (FBIZ) has a profitability rating of 4 / 10.


What is the valuation of FIRST BUSINESS FINANCIAL SER based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST BUSINESS FINANCIAL SER (FBIZ) is 9.81 and the Price/Book (PB) ratio is 1.36.


What is the financial health of FIRST BUSINESS FINANCIAL SER (FBIZ) stock?

The financial health rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 3 / 10.