First Business Financial Services (FBIZ) Stock Price, News & Analysis

Company Overview

First Business Financial Services, Inc. is a bank holding company headquartered in Fitchburg, Wisconsin, offering a comprehensive suite of commercial banking and financial services to small and mid-sized businesses. As the parent company of First Business Bank, it specializes in relationship-driven banking, providing customized loan and deposit solutions designed to support commercial real estate, agribusiness, manufacturing, professional service firms and other key industry sectors. The company’s product offerings include commercial real estate financing, equipment leasing and finance, agribusiness lending, treasury and payment services, and trade finance, backed by local decision-making authority and senior-level attention to each client’s needs.

In addition to its core lending and deposit services, First Business Financial Services delivers a range of specialty banking products, such as cash management, merchant services, online banking, and private banking solutions. Its equipment leasing division offers structured lease and loan arrangements to help businesses preserve capital and manage technology and machinery upgrades. The bank also provides industry-specific advisory services, leveraging sector expertise in real estate development, agriculture, healthcare and technology to guide clients through complex transactions and growth strategies.

Founded in the 1960s, the organization established its bank holding company structure in the early 1980s to facilitate strategic growth and acquisitions. Over the decades, First Business has expanded its footprint beyond Wisconsin through both de novo branch openings and targeted acquisitions in Minnesota and Arizona, while maintaining its commitment to community banking. The company emphasizes a culture of local engagement, with branch teams empowered to make timely credit decisions and deliver personalized service.

Governed by an experienced board of directors and senior management team, First Business Financial Services adheres to a disciplined risk management framework and strong corporate governance practices. The company’s leadership prioritizes sustainable growth, community involvement and philanthropic initiatives, supporting regional economic development through outreach programs and partnerships with local organizations. With its focus on tailored financial solutions and hands-on relationship management, First Business Financial Services continues to support the evolving needs of business clients across its service areas.

Key Stats

• Today's Range: $53.54 to $54.22
• 50-Day Range: $46.79 to $54.67
• 52-Week Range: $35.25 to $56.46
• Volume: 16,081 shs
• Average Volume: 29,639 shs
• Market Capitalization: $450.02 million
• P/E Ratio: 9.84
• Dividend Yield: 2.14%
• Price Target: $57.25
• Consensus Rating: Buy

First Business Financial Services Stock Analysis - MarketRank™

First Business Financial Services scored higher than 90% of companies evaluated by MarketBeat, and ranked 157th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

First Business Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 4 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Business Financial Services has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.15%

Earnings Growth

Earnings for First Business Financial Services are expected to grow by 12.15% in the coming year, from $5.43 to $6.09 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Business Financial Services is 9.84, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Business Financial Services is 9.84, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.00.

Price to Book Value per Share Ratio

First Business Financial Services has a P/B Ratio of 1.42. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.83% of the float of First Business Financial Services has been sold short.

Short Interest Ratio / Days to Cover

First Business Financial Services has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Business Financial Services has recently increased by 14.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Business Financial Services pays a meaningful dividend of 2.12%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Business Financial Services has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of First Business Financial Services is 21.09%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Business Financial Services will have a dividend payout ratio of 19.05% next year. This indicates that First Business Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.13

Percentage of Shares Shorted

0.83% of the float of First Business Financial Services has been sold short.

Short Interest Ratio / Days to Cover

First Business Financial Services has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Business Financial Services has recently increased by 14.10%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

First Business Financial Services has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

MarketBeat Follows

1 people have added First Business Financial Services to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Business Financial Services insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 5.10% of the stock of First Business Financial Services is held by insiders.

Percentage Held by Institutions

60.07% of the stock of First Business Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FBIZ Stock Analysis - Frequently Asked Questions

How have FBIZ shares performed this year?

First Business Financial Services' stock was trading at $46.29 at the start of the year. Since then, FBIZ stock has increased by 16.9% and is now trading at $54.0950.

How were First Business Financial Services' earnings last quarter?

First Business Financial Services, Inc. (NASDAQ:FBIZ) released its quarterly earnings data on Thursday, April, 24th. The financial services provider reported $1.32 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.29 by $0.03. The financial services provider had revenue of $40.84 million for the quarter, compared to the consensus estimate of $40.13 million. First Business Financial Services had a trailing twelve-month return on equity of 14.36% and a net margin of 17.44%.
Read the conference call transcript.

When did First Business Financial Services' stock split?

First Business Financial Services shares split before market open on Monday, August 31st 2015.The 2-1 split was announced on Friday, August 7th 2015. The newly created shares were issued to shareholders after the market closes on Friday, August 28th 2015. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

How do I buy shares of First Business Financial Services?

Shares of FBIZ stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Business Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Business Financial Services investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), NVIDIA (NVDA), Netflix (NFLX) and Visa (V).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 5/23 Dividend: 5/09/2025
• Ex-Dividend for 5/23 Dividend: 5/09/2025
• Dividend Payable: 5/23/2025
• Record date for 6/16 Dividend: 5/30/2025
• Dividend Payable: 6/16/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FBIZ
• CIK: 1521951
• Web: www.firstbusiness.com
• Phone: (608) 238-8008
• Fax: 608-232-5920
• Employees: 340
• Year Founded: N/A

Price Target and Rating

• Average Price Target for First Business Financial Services: $57.25
• High Price Target: $62.00
• Low Price Target: $50.00
• Potential Upside/Downside: +6.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.50
• Trailing P/E Ratio: 9.76
• Forward P/E Ratio: 9.89
• P/E Growth: N/A
• Net Income: $44.24 million
• Net Margins: 17.44%
• Pretax Margin: 20.23%
• Return on Equity: 14.36%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.88
• Current Ratio: 1.05
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $158.03 million
• Price / Sales: 2.83
• Cash Flow: $6.23 per share
• Price / Cash Flow: 8.62
• Book Value: $38.17 per share
• Price / Book: 1.41

Miscellaneous

• Outstanding Shares: 8,319,000
• Free Float: 7,895,000
• Market Cap: $446.73 million
• Optionable: Optionable
• Beta: 0.66