First Business Financial Services Inc.

FBIZ | NASDAQ

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$71.10

+$0.30 (+0.42%)

At close: Sep 21, 2026, 4:00 PM ET

$71.10

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $592.04M

Enterprise Value $21.5M

Beta 0.65

Average Volume 52.17K

Shares Outstanding (Diluted) 8.21M

Shares Change YoY 0.71%

Institutional Ownership 70.57%

Exchange NASDAQ

ISIN US3193901002

Price Performance

Price Change 1M 3.2%

Price Change 3M 14.6%

Price Change 6M 33.4%

Price Change YTD 32.7%

Price Change 1Y 38.1%

Price Change 3Y 139.0%

Price Change 5Y 150.5%

1M CAGR (ann.) -1.2%

1Y CAGR (ann.) 41.1%

5Y CAGR (ann.) 23.8%

All-Time CAGR 12.3%

Valuation

PE Ratio 10.63

Forward PE 10.53

PEG Ratio 0.59

Forward PEG 1.71

PS Ratio 2.13

Forward PS 3.00

PB Ratio 1.50

P/FCF Ratio 7.35

P/Adj. FCF Ratio 7.61

P/OCF Ratio 7.17

EV/Sales 0.08

EV/EBIT 0.45

EV/EBITDA 0.42

EV/FCF 0.27

Earnings Yield 9.4%

FCF Yield 13.6%

Adj. FCF Yield 13.1%

Financial Health

Net Cash $573.05M

Total Debt $0

Cash & Short-Term Investments $573.05M

Total Assets $4.41B

Current Ratio 17.05

Quick Ratio 17.05

Debt / Equity Ratio 1.51

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.59

Altman Z-Score 1.35

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 58.9%

Operating Profit Margin 17.2%

EBITDA Margin 23.9%

Net Profit Margin 19.3%

FCF Margin 29.0%

Adj. FCF Margin 28.0%

SBC / Revenue 1.0%

SBC Impact (per share) -3.4%

Returns

Return on Assets 1.3%

Return on Equity 14.8%

Return on Invested Capital 1.3%

Return on Capital Employed 1.6%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 13.7%

Revenue CAGR 5Y 17.7%

Revenue CAGR 10Y 11.4%

EPS CAGR 3Y 14.5%

EPS CAGR 5Y 15.3%

EPS CAGR 10Y 13.3%

FCF CAGR 3Y 26.1%

FCF CAGR 5Y 15.1%

FCF CAGR 10Y 11.2%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 28, 2026

EPS Estimate (next Q) $1.68

EPS Growth Est (next Q) -1.2%

Revenue Est (next Q) $46.8M

Revenue Growth Est (next Q) 5.1%

Fair Value Estimates

Graham Number $85.14

Graham Upside 19.8%

Lynch Fair Value $102.49

Lynch Upside 44.1%

Price Target $76

Price Target Upside 6.9%

Cash Flow

Operating Cash Flow $81.4M

Free Cash Flow $80.91M

Adj. Free Cash Flow $78.13M

FCF Per Share $9.86

OCF Per Share $9.92

OCF/S Ratio 28.3%

Income Statement

Revenue $279.29M

Gross Profit $124.79M

Operating Income $48M

EBITDA $50.89M

Net Income $55.51M

EPS (Diluted) $6.69

Revenue / Employee $786.74K

Profit / Employee $156.35K

Employees 355

Dividends

Annual Dividend $1.31

Dividend Yield 1.84%

Payout Ratio 19.6%

FCF Payout Ratio 13.7%

Adj. FCF Payout Ratio 14.2%

Dividend Growth (YoY) 17.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 11, 2026