FBIZ Fundamental Analysis - FIRST BUSINESS FINANCIAL SER

Fundamental Rating

FBIZ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 392 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 not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FBIZ was profitable.

FBIZ had a positive operating cash flow in the past year.

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

FBIZ's Return On Assets of 1.14% is fine compared to the rest of the industry. FBIZ outperforms 75.26% of its industry peers.

FBIZ has a better Return On Equity (13.24%) than 87.76% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.14%
ROE	13.24%
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 28.33% is fine compared to the rest of the industry. FBIZ outperforms 75.26% of its industry peers.

In the last couple of years the Profit Margin of FBIZ has grown nicely.

FBIZ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.33%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 less shares outstanding than it did 1 year ago.

The number of shares outstanding for FBIZ has been reduced compared to 5 years ago.

FBIZ has a worse debt/assets ratio than last year.

2.2 Solvency

FBIZ has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 0.87, FBIZ is doing good in the industry, outperforming 74.74% of the companies in the same industry.

A Debt/Equity ratio of 0.16 indicates that FBIZ is not too dependend on debt financing.

FBIZ's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. FBIZ outperforms 54.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	0.87
Altman-Z	N/A

ROIC/WACCN/A

WACC17.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.44% over the past year.

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.

FBIZ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.52%.

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)22.44%

EPS 3Y7.95%

EPS 5Y14.26%

EPS Q2Q%9.76%

Revenue 1Y (TTM)-12.52%

Revenue growth 3Y10.81%

Revenue growth 5Y10.46%

Sales Q2Q%8.1%

3.2 Future

Based on estimates for the next years, FBIZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.81% on average per year.

The Revenue is expected to grow by 8.55% on average over the next years. This is quite good.

EPS Next Y7.14%

EPS Next 2Y8.01%

EPS Next 3Y8.81%

EPS Next 5YN/A

Revenue Next Year10.4%

Revenue Next 2Y9.27%

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.16, which indicates a very decent valuation of FBIZ.

87.50% of the companies in the same industry are more expensive than FBIZ, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.41. FBIZ is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 8.45, the valuation of FBIZ can be described as reasonable.

FBIZ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FBIZ is cheaper than 78.57% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.87. FBIZ is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.16
Fwd PE	8.45

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FBIZ is valued cheaper than 87.50% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.79
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)1.28

PEG (5Y)0.64

EPS Next 2Y8.01%

EPS Next 3Y8.81%

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5. Dividend

5.1 Amount

FBIZ has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.

FBIZ's Dividend Yield is slightly below the industry average, which is at 3.47.

FBIZ's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.2%

5.2 History

On average, the dividend of FBIZ grows each year by 13.04%, which is quite nice.

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

21.67% 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.

DP21.67%

EPS Next 2Y8.01%

EPS Next 3Y8.81%

More info and screens

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FIRST BUSINESS FINANCIAL SER

NASDAQ:FBIZ (9/22/2025, 8:16:44 PM)

After market: 51.48 0 (0%)

51.48

-0.82 (-1.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners69.86%

Inst Owner Change0.11%

Ins Owners3.17%

Ins Owner Change4.14%

Market Cap428.31M

Analysts83.64

Price Target59.36 (15.31%)

Short Float %1.02%

Short Ratio2.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.2%

Yearly Dividend1.11

Dividend Growth(5Y)13.04%

DP21.67%

Div Incr Years12

Div Non Decr Years19

Ex-Date08-11 2025-08-11 (0.29)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.67%

Min EPS beat(2)-0.47%

Max EPS beat(2)1.82%

EPS beat(4)3

Avg EPS beat(4)8.76%

Min EPS beat(4)-0.47%

Max EPS beat(4)31.78%

EPS beat(8)4

Avg EPS beat(8)4.29%

EPS beat(12)6

Avg EPS beat(12)4.34%

EPS beat(16)10

Avg EPS beat(16)7.97%

Revenue beat(2)0

Avg Revenue beat(2)-1.69%

Min Revenue beat(2)-3.17%

Max Revenue beat(2)-0.22%

Revenue beat(4)1

Avg Revenue beat(4)-1.12%

Min Revenue beat(4)-3.74%

Max Revenue beat(4)2.66%

Revenue beat(8)2

Avg Revenue beat(8)5.79%

Revenue beat(12)5

Avg Revenue beat(12)4.32%

Revenue beat(16)7

Avg Revenue beat(16)3.16%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.06%

EPS NY rev (1m)0%

EPS NY rev (3m)0.82%

Revenue NQ rev (1m)-0.06%

Revenue NQ rev (3m)-0.3%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.35%

Valuation

		Industry Rank	Sector Rank
PE	9.16
Fwd PE	8.45
P/S	2.66
P/FCF	6.79
P/OCF	6.81
P/B	1.24
P/tB	1.29
EV/EBITDA	N/A

EPS(TTM)5.62

EY10.92%

EPS(NY)6.09

Fwd EY11.83%

FCF(TTM)7.58

FCFY14.72%

OCF(TTM)7.56

OCFY14.69%

SpS19.36

BVpS41.44

TBVpS39.99

PEG (NY)1.28

PEG (5Y)0.64

Profitability

		Industry Rank	Sector Rank
ROA	1.14%
ROE	13.24%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.33%
GM	N/A
FCFM	39.15%

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

ROICexcg growth 3YN/A

ROICexcg 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	0.16
Debt/FCF	0.87
Debt/EBITDA	N/A
Cap/Depr	4.3%
Cap/Sales	0.1%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	138.2%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC17.71%

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)22.44%

EPS 3Y7.95%

EPS 5Y14.26%

EPS Q2Q%9.76%

EPS Next Y7.14%

EPS Next 2Y8.01%

EPS Next 3Y8.81%

EPS Next 5YN/A

Revenue 1Y (TTM)-12.52%

Revenue growth 3Y10.81%

Revenue growth 5Y10.46%

Sales Q2Q%8.1%

Revenue Next Year10.4%

Revenue Next 2Y9.27%

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 1Y56.42%

FCF growth 3Y17.17%

FCF growth 5Y14.77%

OCF growth 1Y41.9%

OCF growth 3Y16.9%

OCF growth 5Y14.68%

FIRST BUSINESS FINANCIAL SER (FBIZ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens