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FIRST BUSINESS FINANCIAL SERVICES, INC.

Data quality: 83%
FBIZ
Nasdaq Financial Services Depository Institutions
$58.61
▲ $0.78 (1.35%)
Mkt Cap: 488.99 M
Price
$58.61
Mkt Cap
488.99 M
Day Range
$57.33 — $59.09
52-Week Range
$43.61 — $60.54
Volume
62,263
Open $57.47
50D / 200D Avg
$55.50
5.62% above
50D / 200D Avg
$52.86
10.89% above

Quick Summary

Key Takeaways

ROE of 14.31% — decent returns on equity
Generating 61.10 M in free cash flow
P/E of 9.72 — trading at a low valuation
Cash machine — converts 121.43% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)13.73%
FCF Growth (3Y)25.74%

Quality

Return on Equity
14.31%
Above sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.72
Below sector avg (12.63)
P/B Ratio1.36
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 9.7 12.6
P/B 1.4 1.4
ROE % 14.3 10.7
Net Margin % — 14.8
Rev Growth 5Y % — 6.4
D/E — 0.5

ETFs Holding This Stock

FSCC logo FSCC Federated Hermes MDT Small Cap Core ETF
0.46% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.22% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.11% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.07% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.05% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.04% weight
DES logo DES WisdomTree U.S. SmallCap Dividend Fund
0.02% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight
IWV logo IWV iShares Russell 3000 ETF
0.00% weight
AVSU logo AVSU Avantis Responsible U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 13.73% Earnings Growth (3Y) 10.98%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 8.92%
Profitability
Revenue (TTM) N/A Net Income (TTM) 50.32 M
ROE 14.31% ROA 1.25%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 61.10 M
ROIC N/A FCF Growth (3Y) 25.74%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 358.32 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.72 Forward P/E N/A
P/B Ratio 1.36 P/S Ratio N/A
PEG Ratio 1.09 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 12.50%
Market Cap 488.99 M Enterprise Value 444.64 M
Per Share
EPS (Diluted TTM) 5.94 Revenue / Share N/A
FCF / Share 7.32 OCF / Share 7.40
EPS CAGR (1Y) 14.23% EPS CAGR (5Y) 9.25%
EPS CAGR (10Y) 14.84%
Efficiency
CapEx / Revenue N/A FCF Conversion 121.43%
SBC-Adj. FCF 58.29 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2022 FY2021 FY2020
Revenue — — — — —
Net Income 50.32 M 44.25 M 40.86 M 35.76 M 16.98 M
EPS (Diluted) 5.94 5.20 4.75 4.17 1.97
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 136.69 M 124.21 M 22.95 M 11.33 M 17.11 M
Income Tax 10.13 M 6.91 M 11.39 M 11.28 M 1.33 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2022 FY2021 FY2020
Total Assets 4.08 B 3.85 B 2.98 B 2.65 B 2.57 B
Total Liabilities 3.71 B 3.52 B 2.72 B 2.42 B 2.36 B
Shareholders' Equity 371.59 M 328.59 M 260.64 M 232.42 M 206.16 M
Total Debt — — — — —
Cash & Equivalents 39.49 M 157.70 M 102.68 M 57.11 M 56.91 M
Current Assets — — — — —
Current Liabilities — — — — —