8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Apr 16, 2026·SEC
Material company update
Apr 14, 2026·SEC
First Business Financial Services, Inc.(FBIZ)Earnings, Financials & Key Ratios
FBIZ•NASDAQ•Banking & Credit
$56.46
$471M mkt cap·9.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals. The company offers deposit products, such as non-interest-bearing transaction accounts, interest-bearing transaction accounts, money market accounts, time deposits, and certificates of deposit, as well as credit cards. It also provides loan products, including commercial real estate loans, commercial and industrial loans, small business administration loans, and direct financing leases, as well as consumer and other loans comprising home equity, first and second mortgage, and other personal loans for professional and executive clients. The company offers commercial lending, asset-based lending, equipment financing, accounts receivable financing, vendor financing, floorplan financing, treasury management services, and company retirement plans; trust and estate administration, financial planning, investment management, and private banking services; and investment portfolio administrative, asset-liability management, and asset-liability management process validation services for other financial institutions. First Business Financial Services, Inc. was founded in 1909 and is headquartered in Madison, Wisconsin.Show more
- Net Interest Income$137M+10.1%
- Total Revenue$279M+6.4%
- Net Income$50M+13.7%
- Return on Equity14.37%+0.4%
- Net Interest Margin3.35%+3.9%
- Efficiency Ratio35.64%
- ROA1.27%+5.5%
- Equity / Assets9.1%+6.7%
- Book Value per Share45.55+12.9%
- Tangible BV/Share44.08+13.4%
- Debt/Equity0.70-30.1%
FBIZ Key Insights
First Business Financial Services, Inc. (FBIZ) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 24.3%
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 35.6% efficiency ratio
- ✓13 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.1%
- ✓Trading at only 1.2x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FBIZ Price & Volume
First Business Financial Services, Inc. (FBIZ) stock price & volume — 10-year historical chart
Loading chart...
FBIZ Growth Metrics
First Business Financial Services, Inc. (FBIZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.05%
5 Years18.66%
3 Years22.8%
TTM-
Profit CAGR
10 Years11.79%
5 Years24.27%
3 Years7.19%
TTM10.26%
EPS CAGR
10 Years12.3%
5 Years25.2%
3 Years8.46%
TTM11.64%
Return on Capital
10 Years5.41%
5 Years5.97%
3 Years5.29%
Last Year2.57%
FBIZ Recent Earnings
First Business Financial Services, Inc. (FBIZ) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026EPS
$1.44
Est $1.42
+1.4%
Revenue
$44M
Est $43M
+2.1%
Q1 2026
Jan 29, 2026EPS
$1.58
Est $1.38
+14.5%
Revenue
$42M
Est $43M
-1.3%
Q4 2025
Oct 30, 2025EPS
$1.70
Est $1.39
+22.3%
Revenue
$45M
Est $43M
+3.5%
Q3 2025
Jul 24, 2025EPS
$1.35
Est $1.35
+0.0%
Revenue
$41M
Est $42M
-3.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.44vs $1.42+1.4% | $44Mvs $43M+2.1% |
| Q1 2026 | Jan 29, 2026 | $1.58vs $1.38+14.5% | $42Mvs $43M-1.3% |
| Q4 2025 | Oct 30, 2025 | $1.70vs $1.39+22.3% | $45Mvs $43M+3.5% |
| Q3 2025 | Jul 24, 2025 | $1.35vs $1.35+0.0% | $41Mvs $42M-3.0% |
Based on last 12 quarters of dataView full earnings history →
FBIZ Peer Comparison
First Business Financial Services, Inc. (FBIZ) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TCBK | 1.62B | 50.39 | 13.58 | 1.78% | 22.79% | 9.43% | 7.9% | 0.06 |
 NBTB | 2.33B | 44.69 | 13.42 | 10.36% | 19.51% | 9.51% | 9.38% | 0.17 |
 SBCF | 3.02B | 30.90 | 19.56 | 7.49% | 16.66% | 5.83% | 5.93% | 0.44 |
 FFIN | 4.58B | 32.22 | 20.65 | 18.79% | 30.24% | 13.25% | 6.39% | 0.12 |
 BANF | 3.8B | 114.53 | 17.78 | 12.28% | 23.81% | 13.33% | 5.9% | 0.05 |
 SMBC | 764.7M | 68.84 | 13.29 | 11.72% | 19.1% | 11.85% | 9.85% | 0.26 |
 MBWM | 898.09M | 51.99 | 9.52 | 2.74% | 23.87% | 13.54% | 1.25% | 1.14 |
 CZWI | 203.55M | 21.14 | 14.48 | -9.41% | 16.01% | 7.81% | 5.1% | 0.28 |
Compare FBIZ vs Peers
First Business Financial Services, Inc. (FBIZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FBIZ Income Statement
First Business Financial Services, Inc. (FBIZ) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 60.61M | 67.34M | 69.86M | 77.07M | 84.66M | 98.42M | 112.59M | 124.21M | 136.69M | 103.43M |
| NII Growth % | -4.29% | 11.11% | 3.73% | 10.33% | 9.85% | 16.25% | 14.39% | 10.32% | 10.05% | -72% |
| Net Interest Margin % | 3.38% | 3.42% | 3.33% | 3% | 3.19% | 3.31% | 3.21% | 3.22% | 3.35% | 2.39% |
| Interest Income | 75.81M | 91.28M | 102.04M | 94.18M | 96M | 121.37M | 194.93M | 233.13M | 247.31M | 187.78M |
| Interest Expense | 15.2M | 23.93M | 32.18M | 17.11M | 11.33M | 22.95M | 82.34M | 108.92M | 110.62M | 110.73M |
| Loan Loss Provision | 8.41M | 7.41M | 2.27M | 16.81M | -5.8M | -3.87M | 8.18M | 8.83M | 8.65M | -20.38M |
| Non-Interest Income | 13.88M | 16.08M | 19.33M | 24.55M | 28.1M | 29.43M | 31.31M | 29.25M | 31.94M | 86.25M |
| Non-Interest Income % | 15.48% | 14.98% | 15.93% | 20.67% | 22.64% | 19.51% | 13.84% | 11.15% | 11.44% | 31.48% |
| Total Revenue | 89.69M▲ 0% | 107.36M▲ 19.7% | 121.37M▲ 13.0% | 118.72M▼ 2.2% | 124.09M▲ 4.5% | 150.8M▲ 21.5% | 226.24M▲ 50.0% | 262.38M▲ 16.0% | 279.25M▲ 6.4% | 274.03M▲ 0% |
| Revenue Growth % | -2.95% | 19.7% | 13.05% | -2.18% | 4.52% | 21.52% | 50.02% | 15.98% | 6.43% | 10.75% |
| Non-Interest Expense | 51.85M | 58.37M | 62.41M | 66.5M | 71.53M | 79.47M | 88.58M | 93.48M | 99.52M | 95.5M |
| Efficiency Ratio | 57.81% | 54.37% | 51.42% | 56.01% | 57.65% | 52.7% | 39.15% | 35.63% | 35.64% | 34.85% |
| Operating Income | 14.23M▲ 0% | 17.65M▲ 24.1% | 24.5M▲ 38.8% | 18.3M▼ 25.3% | 47.03M▲ 156.9% | 52.24M▲ 11.1% | 47.14M▼ 9.8% | 51.15M▲ 8.5% | 60.45M▲ 18.2% | 46.99M▲ 0% |
| Operating Margin % | 15.87% | 16.44% | 20.19% | 15.42% | 37.9% | 34.64% | 20.84% | 19.49% | 21.65% | 17.15% |
| Operating Income Growth % | -16.61% | 24.05% | 38.77% | -25.28% | 156.92% | 11.09% | -9.77% | 8.51% | 18.19% | - |
| Pretax Income | 14.23M▲ 0% | 17.65M▲ 24.1% | 24.5M▲ 38.8% | 18.3M▼ 25.3% | 47.03M▲ 156.9% | 52.24M▲ 11.1% | 47.14M▼ 9.8% | 51.15M▲ 8.5% | 60.45M▲ 18.2% | 61.37M▲ 0% |
| Pretax Margin % | 15.87% | 16.44% | 20.19% | 15.42% | 37.9% | 34.64% | 20.84% | 19.49% | 21.65% | 22.4% |
| Income Tax | 2.33M | 1.35M | 1.18M | 1.33M | 11.28M | 11.39M | 10.11M | 6.91M | 10.13M | 10.03M |
| Effective Tax Rate % | 16.34% | 7.65% | 4.8% | 7.25% | 23.97% | 21.79% | 21.45% | 13.5% | 16.76% | 16.34% |
| Net Income | 11.9M▲ 0% | 16.3M▲ 36.9% | 23.32M▲ 43.1% | 16.98M▼ 27.2% | 35.76M▲ 110.6% | 40.86M▲ 14.3% | 37.03M▼ 9.4% | 44.24M▲ 19.5% | 50.32M▲ 13.7% | 51.35M▲ 0% |
| Net Margin % | 13.27% | 15.19% | 19.22% | 14.3% | 28.81% | 27.09% | 16.37% | 16.86% | 18.02% | 18.74% |
| Net Income Growth % | -20.15% | 36.94% | 43.07% | -27.21% | 110.6% | 14.27% | -9.38% | 19.49% | 13.73% | 10.26% |
| Net Income (Continuing) | 11.9M | 16.3M | 23.32M | 16.98M | 35.76M | 40.86M | 37.03M | 44.24M | 50.32M | 51.35M |
| EPS (Diluted) | 1.36▲ 0% | 1.86▲ 36.8% | 2.68▲ 44.1% | 1.97▼ 26.5% | 4.17▲ 111.7% | 4.75▲ 13.9% | 4.33▼ 8.8% | 5.20▲ 20.1% | 6.06▲ 16.5% | 6.27▲ 0% |
| EPS Growth % | -20.47% | 36.76% | 44.09% | -26.49% | 111.68% | 13.91% | -8.84% | 20.09% | 16.54% | 11.64% |
| EPS (Basic) | 1.36 | 1.86 | 2.68 | 1.97 | 4.17 | 4.75 | 4.33 | 5.20 | 6.06 | - |
| Diluted Shares Outstanding | 8.61M | 8.64M | 8.52M | 8.38M | 8.31M | 8.23M | 8.13M | 8.15M | 8.16M | 8.19M |
FBIZ Balance Sheet
First Business Financial Services, Inc. (FBIZ) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 178.54M | 224.9M | 240.24M | 240.83M | 262.81M | 314.71M | 436.52M | 499.09M | 39.48M | 1.15B |
| Cash & Due from Banks | 52.54M | 86.55M | 67.1M | 56.91M | 57.11M | 102.68M | 139.51M | 157.7M | 30.77M | 137.13M |
| Short Term Investments | 126M | 138.36M | 173.13M | 183.93M | 205.7M | 212.02M | 297.01M | 341.39M | 8.71M | 420.32M |
| Total Investments | 1.63B | 1.76B | 1.91B | 2.38B | 2.47B | 2.74B | 3.24B | 3.56B | 3.83B | 420.32M |
| Investments Growth % | 2.15% | 8.03% | 8.32% | 24.58% | 3.87% | 11.09% | 17.91% | 10.15% | 7.44% | -60.48% |
| Long-Term Investments | 1.51B | 1.62B | 1.74B | 2.19B | 2.26B | 2.53B | 2.94B | 3.22B | 3.83B | 11B |
| Accounts Receivables | 5.02M | 5.68M | 5.76M | 8.56M | 5.5M | 9.4M | 13.28M | 12.88M | 3.34B | 0 |
| Goodwill & Intangibles | 12.65M | 12.04M | 11.92M | 12.02M | 12.27M | 12.16M | 12.02M | 11.92M | 11.98M | 0 |
| Goodwill | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.71M | 10.69M | 0 |
| Intangible Assets | 1.95M | 1.34M | 1.22M | 1.32M | 1.57M | 1.46M | 1.32M | 1.21M | 1.3M | 0 |
| PP&E (Net) | 3.16M | 3.28M | 9.46M | 7.81M | 6.6M | 12.03M | 12.75M | 10.93M | 9.99M | 9.55M |
| Other Assets | 52.95M | 57.36M | 57.82M | 72.68M | 76.68M | 80.81M | 81.11M | 79.17M | 191.47M | 0 |
| Total Current Assets | 217.44M | 266.65M | 276.37M | 273.89M | 286.74M | 327.93M | 454.06M | 516.19M | 39.48M | 4.02B |
| Total Non-Current Assets | 1.58B | 1.7B | 1.82B | 2.29B | 2.37B | 2.65B | 3.05B | 3.34B | 4.04B | 21.56M |
| Total Assets | 1.79B▲ 0% | 1.97B▲ 9.6% | 2.1B▲ 6.6% | 2.57B▲ 22.5% | 2.65B▲ 3.3% | 2.98B▲ 12.2% | 3.51B▲ 17.8% | 3.85B▲ 9.8% | 4.08B▲ 5.9% | 4.32B▲ 0% |
| Asset Growth % | 0.75% | 9.61% | 6.63% | 22.47% | 3.31% | 12.2% | 17.85% | 9.85% | 5.93% | 34.72% |
| Return on Assets (ROA) | 0.67% | 0.87% | 1.15% | 0.73% | 1.37% | 1.45% | 1.14% | 1.2% | 1.27% | 1.25% |
| Accounts Payable | 12.54M | 21.47M | 14.39M | 15.62M | 15.34M | 19.36M | 0 | 0 | 0 | 0 |
| Total Debt | 217.92M | 308.98M | 336.97M | 435.62M | 418.93M | 466.98M | 339.87M | 327.98M | 259.41M | 0 |
| Net Debt | 165.38M | 222.43M | 269.87M | 378.71M | 361.82M | 364.3M | 200.36M | 170.27M | 228.64M | -137.13M |
| Long-Term Debt | 217.92M | 308.98M | 329.43M | 429.23M | 413.53M | 456.81M | 330.92M | 320.05M | 126.82M | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 126.86M | 0 |
| Other Liabilities | 0 | 0 | 20.89M | 54.93M | 28.28M | 61.42M | 81.61M | 89.51M | 3.46B | 0 |
| Total Current Liabilities | 1.41B | 1.48B | 1.54B | 1.87B | 1.97B | 2.19B | 2.8B | 3.11B | 126.86M | 0 |
| Total Non-Current Liabilities | 217.92M | 308.98M | 357.86M | 490.54M | 447.22M | 528.4M | 421.48M | 417.49M | 3.59B | 0 |
| Total Liabilities | 1.62B | 1.79B | 1.9B | 2.36B | 2.42B | 2.72B | 3.22B | 3.52B | 3.71B | 3.94B |
| Total Equity | 169.28M▲ 0% | 180.71M▲ 6.8% | 194.16M▲ 7.4% | 206.16M▲ 6.2% | 232.42M▲ 12.7% | 260.64M▲ 12.1% | 289.59M▲ 11.1% | 328.59M▲ 13.5% | 371.58M▲ 13.1% | 380.08M▲ 0% |
| Equity Growth % | 4.72% | 6.75% | 7.44% | 6.18% | 12.74% | 12.14% | 11.11% | 13.47% | 13.08% | 54.02% |
| Equity / Assets (Capital Ratio) | 9.44% | 9.19% | 9.26% | 8.03% | 8.76% | 8.76% | 8.26% | 8.53% | 9.1% | 8.8% |
| Return on Equity (ROE) | 7.19% | 9.32% | 12.44% | 8.48% | 16.3% | 16.57% | 13.46% | 14.31% | 14.37% | 14.12% |
| Book Value per Share | 19.65 | 20.92 | 22.80 | 24.59 | 27.95 | 31.68 | 35.62 | 40.33 | 45.55 | 46.43 |
| Tangible BV per Share | 18.18 | 19.52 | 21.40 | 23.16 | 26.48 | 30.20 | 34.14 | 38.86 | 44.08 | 46.43 |
| Common Stock | 90K | 91K | 92K | 92K | 93K | 94K | 95K | 95K | 96K | 96K |
| Additional Paid-in Capital | 78.62M | 79.62M | 81.19M | 83.13M | 85.8M | 87.51M | 90.62M | 93.55M | 96.49M | 0 |
| Retained Earnings | 98.91M | 110.31M | 129.1M | 140.43M | 170.02M | 203.51M | 230.73M | 265.78M | 305.54M | 314.62M |
| Accumulated OCI | -1.24M | -1.68M | -1.35M | -933K | -1.46M | -15.31M | -13.72M | -11.43M | -9.74M | -10.2M |
| Treasury Stock | -7.1M | -7.63M | -14.88M | -16.55M | -22.03M | -27.16M | -30.13M | -31.4M | -32.79M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 11.99M | 11.99M | 11.99M | 11.99M | 11.99M |
FBIZ Cash Flow Statement
First Business Financial Services, Inc. (FBIZ) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 22.41M | 25.28M | 28.98M | 26.64M | 35.99M | 38.65M | 52.29M | 57.49M | 61.7M | 61.7M |
| Operating CF Growth % | -14.35% | 12.82% | 14.65% | -8.11% | 35.13% | 7.37% | 35.31% | 9.94% | 7.31% | -44.64% |
| Net Income | 11.9M | 16.3M | 23.32M | 16.98M | 35.76M | 40.86M | 37.03M | 44.24M | 50.32M | 51.35M |
| Depreciation & Amortization | 1.56M | 1.48M | 3.05M | 3.46M | 3.55M | 4.07M | 3.64M | 3.74M | 0 | 2.88M |
| Deferred Taxes | 1.54M | -432K | -2.71M | -2.01M | 1.22M | -775K | 2.12M | -3.51M | 0 | 72K |
| Other Non-Cash Items | 8.53M | 6.79M | 5.42M | 14.35M | -1.6M | -3.16M | 14.05M | 8.53M | 14.53M | 14.43M |
| Working Capital Changes | -2.2M | 140K | -1.67M | -8.02M | -5.46M | -4.93M | -7.52M | 1.7M | -3.15M | -17.45M |
| Cash from Investing | -46.35M | -137.85M | -131.5M | -454.51M | -111.01M | -245.27M | -506.85M | -328.47M | -373.38M | -414.46M |
| Purchase of Investments | -69.23M | -58.72M | -94.12M | -72.12M | -97.04M | -88.7M | -132.54M | -165.23M | 0 | -104.25M |
| Sale/Maturity of Investments | 85.05M | 45.02M | 64.03M | 68.14M | 72.74M | 47.93M | 31.32M | 103.77M | 0 | 54.66M |
| Net Investment Activity | 15.83M | -13.7M | -30.09M | -3.98M | -24.3M | -40.77M | -101.22M | -61.46M | 0 | -49.58M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 315K | 0 | 0 | 0 | 0 |
| Other Investing | -60.94M | -123.18M | -101.18M | -450.26M | -86.32M | -201.59M | -402.75M | -266.79M | -373.38M | -364.26M |
| Cash from Financing | -1.03M | 146.58M | 83.07M | 417.68M | 75.22M | 252.19M | 491.38M | 289.17M | 193.47M | 327.52M |
| Dividends Paid | -4.54M | -4.92M | -5.22M | -5.65M | -6.17M | -7.37M | -8.45M | -9.2M | -10.56M | -10.8M |
| Share Repurchases | -323K | -533K | -7.25M | -1.67M | -5.48M | -6.13M | -2.97M | -1.27M | -1.39M | -613K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 143K | 1.2M |
| Net Stock Activity | -323K | -533K | -7.25M | -1.67M | -5.48M | -6.13M | -2.97M | -1.27M | -1.25M | 585K |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -3M |
| Other Financing | -144.49M | 60.97M | 75.08M | 325.2M | 102.57M | 210.42M | 628.7M | 310.5M | 273.27M | 373.43M |
| Net Change in Cash | -24.98M▲ 0% | 34.01M▲ 236.1% | -19.44M▼ 157.2% | -10.19M▲ 47.6% | 201K▲ 102.0% | 45.57M▲ 22572.6% | 36.83M▼ 19.2% | 18.19M▼ 50.6% | -118.22M▼ 749.8% | -33.49M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 77.52M | 52.54M | 86.55M | 67.1M | 56.91M | 57.11M | 102.68M | 139.51M | 157.7M | 39.48M |
| Cash at End | 52.54M | 86.55M | 67.1M | 56.91M | 57.11M | 102.68M | 139.51M | 157.7M | 39.48M | 137.13M |
| Interest Paid | 14.87M | 22.33M | 33M | 18.41M | 13.21M | 20.11M | 75.53M | 109.61M | 111.38M | 84.95M |
| Income Taxes Paid | 2.16M | 1.05M | 1.29M | 3.45M | 14.52M | 8.04M | 7.46M | 158K | 3.31M | 3.29M |
| Free Cash Flow | 21.17M▲ 0% | 24.31M▲ 14.9% | 28.76M▲ 18.3% | 26.37M▼ 8.3% | 35.6M▲ 35.0% | 35.42M▼ 0.5% | 49.41M▲ 39.5% | 57.27M▲ 15.9% | 61.1M▲ 6.7% | 52.8M▲ 0% |
| FCF Growth % | -17.25% | 14.86% | 18.3% | -8.31% | 35% | -0.5% | 39.48% | 15.91% | 6.69% | -12.3% |
FBIZ Banking Ratios
First Business Financial Services, Inc. (FBIZ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.19% | 9.32% | 12.44% | 8.48% | 16.3% | 16.57% | 13.46% | 14.31% | 14.37% | 14.12% |
| Return on Assets (ROA) | 0.67% | 0.87% | 1.15% | 0.73% | 1.37% | 1.45% | 1.14% | 1.2% | 1.27% | 1.25% |
| Net Interest Margin | 3.38% | 3.42% | 3.33% | 3% | 3.19% | 3.31% | 3.21% | 3.22% | 3.35% | 2.39% |
| Efficiency Ratio | 57.81% | 54.37% | 51.42% | 56.01% | 57.65% | 52.7% | 39.15% | 35.63% | 35.64% | 34.85% |
| Equity / Assets | 9.44% | 9.19% | 9.26% | 8.03% | 8.76% | 8.76% | 8.26% | 8.53% | 9.1% | 8.8% |
| Book Value / Share | 19.65 | 20.92 | 22.8 | 24.59 | 27.95 | 31.68 | 35.62 | 40.33 | 45.55 | 46.43 |
| NII Growth | -4.29% | 11.11% | 3.73% | 10.33% | 9.85% | 16.25% | 14.39% | 10.32% | 10.05% | -19.16% |
| Dividend Payout | 38.12% | 30.15% | 22.36% | 33.29% | 17.25% | 16.37% | 20.47% | 18.8% | 19.25% | 14.11% |
FBIZ SEC Filings & Documents
First Business Financial Services, Inc. (FBIZ) SEC filings — annual & quarterly reports (10-K, 10-Q)
FBIZ Frequently Asked Questions
First Business Financial Services, Inc. (FBIZ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First Business Financial Services, Inc. (FBIZ) grew revenue by 6.4% over the past year. This is steady growth.
Yes, First Business Financial Services, Inc. (FBIZ) is profitable, generating $51.3M in net income for fiscal year 2025 (18.0% net margin).
Dividend & Returns
Yes, First Business Financial Services, Inc. (FBIZ) pays a dividend with a yield of 2.10%. This makes it attractive for income-focused investors.
First Business Financial Services, Inc. (FBIZ) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.
Industry Metrics
First Business Financial Services, Inc. (FBIZ) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
First Business Financial Services, Inc. (FBIZ) has an efficiency ratio of 35.6%. This is excellent, indicating strong cost control.
Explore More FBIZ
First Business Financial Services, Inc. (FBIZ) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates