FIRST BUSINESS FINANCIAL SER (FBIZ) Fundamental Analysis & Valuation

NASDAQ:FBIZ • US3193901002

Current stock price

55.19 USD
+0.65 (+1.19%)
At close:
55.19 USD
0 (0%)
After Hours:

This FBIZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FBIZ Profitability Analysis

1.1 Basic Checks

  • FBIZ had positive earnings in the past year.
  • FBIZ had a positive operating cash flow in the past year.
  • Each year in the past 5 years FBIZ has been profitable.
  • Each year in the past 5 years FBIZ 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 2025 20M 40M 60M

1.2 Ratios

  • FBIZ has a Return On Assets of 1.19%. This is in the better half of the industry: FBIZ outperforms 74.21% of its industry peers.
  • FBIZ's Return On Equity of 13.05% is amongst the best of the industry. FBIZ outperforms 86.32% of its industry peers.
Industry RankSector Rank
ROA 1.19%
ROE 13.05%
ROIC N/A
ROA(3y)1.1%
ROA(5y)1.18%
ROE(3y)12.7%
ROE(5y)13.61%
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 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 28.77%, FBIZ is doing good in the industry, outperforming 68.95% 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) 28.77%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.04%
PM growth 5Y12.49%
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 2025 10 20 30

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3

2. FBIZ Health Analysis

2.1 Basic Checks

  • FBIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FBIZ has been increased compared to 1 year ago.
  • FBIZ has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FBIZ has been reduced compared to a year ago.
FBIZ Yearly Shares OutstandingFBIZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of FBIZ is 0.90, which is an excellent value as it means it would take FBIZ, only 0.90 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.90, FBIZ is in the better half of the industry, outperforming 70.53% of the companies in the same industry.
  • FBIZ has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FBIZ (0.15) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC18.33%
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 2025 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 2025 10M 20M 30M 40M

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

4

3. FBIZ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.98% over the past year.
  • Measured over the past years, FBIZ shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.75% on average per year.
  • The Revenue for FBIZ has decreased by -11.12% in the past year. This is quite bad
  • FBIZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.15% yearly.
EPS 1Y (TTM)13.98%
EPS 3Y7.87%
EPS 5Y23.75%
EPS Q2Q%-7.6%
Revenue 1Y (TTM)-11.12%
Revenue growth 3Y9.68%
Revenue growth 5Y10.15%
Sales Q2Q%2.6%

3.2 Future

  • FBIZ is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.11% yearly.
  • FBIZ is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.89% yearly.
EPS Next Y3.54%
EPS Next 2Y7.11%
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

  • 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 decreasing.
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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6

4. FBIZ Valuation Analysis

4.1 Price/Earnings Ratio

  • FBIZ is valuated reasonably with a Price/Earnings ratio of 9.28.
  • Based on the Price/Earnings ratio, FBIZ is valued cheaper than 85.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, FBIZ is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.96, the valuation of FBIZ can be described as very reasonable.
  • FBIZ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FBIZ is cheaper than 78.16% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, FBIZ is valued rather cheaply.
Industry RankSector Rank
PE 9.28
Fwd PE 8.96
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

  • FBIZ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FBIZ is cheaper than 83.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.53
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 an expensive valuation of the company.
PEG (NY)2.62
PEG (5Y)0.39
EPS Next 2Y7.11%
EPS Next 3YN/A

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

6

5. FBIZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.54%, FBIZ has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, FBIZ has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.88, FBIZ pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

  • On average, the dividend of FBIZ grows each year by 14.11%, which is quite nice.
  • FBIZ has paid a dividend for at least 10 years, which is a reliable track record.
  • FBIZ has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.11%
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

  • FBIZ pays out 21.77% of its income as dividend. This is a sustainable payout ratio.
  • FBIZ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP21.77%
EPS Next 2Y7.11%
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 2025 20M 40M 60M
FBIZ Dividend Payout.FBIZ Dividend Payout, showing the Payout Ratio.FBIZ Dividend Payout.PayoutRetained Earnings

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FBIZ Fundamentals: All Metrics, Ratios and Statistics

FIRST BUSINESS FINANCIAL SER

NASDAQ:FBIZ (4/2/2026, 8:22:11 PM)

After market: 55.19 0 (0%)

55.19

+0.65 (+1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners70.68%
Inst Owner Change0.71%
Ins Owners2.86%
Ins Owner Change0.21%
Market Cap460.28M
Revenue(TTM)168.63M
Net Income(TTM)48.51M
Analysts81.82
Price Target68.54 (24.19%)
Short Float %0.86%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend1.27
Dividend Growth(5Y)14.11%
DP21.77%
Div Incr Years12
Div Non Decr Years19
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.76%
Min EPS beat(2)11.28%
Max EPS beat(2)20.23%
EPS beat(4)3
Avg EPS beat(4)8.22%
Min EPS beat(4)-0.47%
Max EPS beat(4)20.23%
EPS beat(8)6
Avg EPS beat(8)8.55%
EPS beat(12)6
Avg EPS beat(12)4.97%
EPS beat(16)10
Avg EPS beat(16)8.35%
Revenue beat(2)1
Avg Revenue beat(2)-0.3%
Min Revenue beat(2)-3.81%
Max Revenue beat(2)3.2%
Revenue beat(4)1
Avg Revenue beat(4)-1%
Min Revenue beat(4)-3.81%
Max Revenue beat(4)3.2%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)5
Avg Revenue beat(12)3.98%
Revenue beat(16)7
Avg Revenue beat(16)3.26%
PT rev (1m)0%
PT rev (3m)12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.57%
EPS NY rev (1m)0.46%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 9.28
Fwd PE 8.96
P/S 2.73
P/FCF 7.53
P/OCF 7.46
P/B 1.24
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)5.95
EY10.78%
EPS(NY)6.16
Fwd EY11.16%
FCF(TTM)7.33
FCFY13.27%
OCF(TTM)7.4
OCFY13.4%
SpS20.22
BVpS44.55
TBVpS43.12
PEG (NY)2.62
PEG (5Y)0.39
Graham Number77.23
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 13.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.77%
GM N/A
FCFM 36.23%
ROA(3y)1.1%
ROA(5y)1.18%
ROE(3y)12.7%
ROE(5y)13.61%
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-2.04%
PM growth 5Y12.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr 15.77%
Cap/Sales 0.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.33%
ROIC/WACCN/A
Cap/Depr(3y)33.68%
Cap/Depr(5y)38.23%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.07%
Profit Quality(3y)133.86%
Profit Quality(5y)118.96%
High Growth Momentum
Growth
EPS 1Y (TTM)13.98%
EPS 3Y7.87%
EPS 5Y23.75%
EPS Q2Q%-7.6%
EPS Next Y3.54%
EPS Next 2Y7.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.12%
Revenue growth 3Y9.68%
Revenue growth 5Y10.15%
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 1Y6.69%
FCF growth 3Y19.92%
FCF growth 5Y18.29%
OCF growth 1Y7.31%
OCF growth 3Y16.87%
OCF growth 5Y18.29%

FIRST BUSINESS FINANCIAL SER / FBIZ Fundamental Analysis 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.


What is the profitability of FBIZ stock?

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


What is the expected EPS growth for FIRST BUSINESS FINANCIAL SER (FBIZ) stock?

The Earnings per Share (EPS) of FIRST BUSINESS FINANCIAL SER (FBIZ) is expected to grow by 3.54% in the next year.


Is the dividend of FIRST BUSINESS FINANCIAL SER sustainable?

The dividend rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 6 / 10 and the dividend payout ratio is 21.77%.