55.44 USD
-0.1 (-0.18%)
55.44 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to FBIZ. FBIZ was compared to 388 industry peers in the Banks industry. FBIZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. FBIZ may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
FBIZ had positive earnings in the past year.
FBIZ had a positive operating cash flow in the past year.
In the past 5 years FBIZ has always been profitable.
FBIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FBIZ (1.23%) is better than 77.84% of its industry peers.
FBIZ has a better Return On Equity (13.81%) than 90.98% of its industry peers.
| 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's Profit Margin of 29.53% is fine compared to the rest of the industry. FBIZ outperforms 77.32% of its industry peers.
In the last couple of years the Profit Margin of FBIZ has grown nicely.
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.
The number of shares outstanding for FBIZ has been reduced compared to 1 year ago.
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
FBIZ has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
FBIZ's Debt to FCF ratio of 0.82 is fine compared to the rest of the industry. FBIZ outperforms 72.16% 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.
The Debt to Equity ratio of FBIZ (0.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.08%
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.
The Earnings Per Share has been growing by 14.26% on average over the past years. This is quite good.
Looking at the last year, FBIZ shows a decrease in Revenue. The Revenue has decreased by -9.53% in the last 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
The Earnings Per Share is expected to grow by 8.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.03% on average over the next years. This is quite good.
EPS Next Y13.09%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
EPS Next 5YN/A
Revenue Next Year11.58%
Revenue Next 2Y9.48%
Revenue Next 3Y9.03%
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 9.12.
Based on the Price/Earnings ratio, FBIZ is valued cheaply inside the industry as 89.95% of the companies are valued more expensively.
FBIZ is valuated cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.09, which indicates a very decent valuation of FBIZ.
Based on the Price/Forward Earnings ratio, FBIZ is valued a bit cheaper than the industry average as 76.55% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 24.04. FBIZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 9.09 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBIZ is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.7
PEG (5Y)0.64
EPS Next 2Y8.11%
EPS Next 3Y8.71%
5. Dividend
5.1 Amount
FBIZ has a Yearly Dividend Yield of 2.00%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.74, FBIZ is paying slightly less dividend.
FBIZ's Dividend Yield is comparable with the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
5.2 History
On average, the dividend of FBIZ grows each year by 13.04%, 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)13.04%
Div Incr Years12
Div Non Decr Years19
5.3 Sustainability
FBIZ pays out 20.67% 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.
DP20.67%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
55.44
-0.1 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71%
Inst Owner Change1.22%
Ins Owners3.3%
Ins Owner Change1.42%
Market Cap461.26M
Revenue(TTM)167.55M
Net Income(TTM)49.47M
Analysts83.64
Price TargetN/A
Short Float %0.99%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
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)1.69%
PT rev (3m)3.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)5.55%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 9.09 | ||
| P/S | 2.75 | ||
| P/FCF | 6.89 | ||
| P/OCF | 6.83 | ||
| P/B | 1.29 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.08
EY10.97%
EPS(NY)6.1
Fwd EY11%
FCF(TTM)8.04
FCFY14.51%
OCF(TTM)8.12
OCFY14.64%
SpS20.14
BVpS43.07
TBVpS41.62
PEG (NY)0.7
PEG (5Y)0.64
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
WACC17.08%
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 Y13.09%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.53%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%16.96%
Revenue Next Year11.58%
Revenue Next 2Y9.48%
Revenue Next 3Y9.03%
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 7 / 10 to FIRST BUSINESS FINANCIAL SER (FBIZ). This can be considered as Undervalued.
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%.