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First Business Financial Services (FBIZ) Financials

First Business Financial Services logo
$52.69 +1.38 (+2.69%)
Closing price 09/18/2025 04:00 PM Eastern
Extended Trading
$52.67 -0.02 (-0.04%)
As of 09/18/2025 06:29 PM Eastern
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Annual Income Statements for First Business Financial Services

Annual Income Statements for First Business Financial Services

This table shows First Business Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 36 40 36 43
Consolidated Net Income / (Loss)		 36 41 37 44
Net Income / (Loss) Continuing Operations		 36 41 37 44
Total Pre-Tax Income 		47 52 47 51
Total Revenue		 113 128 144 153
Net Interest Income / (Expense)		 85 98 113 124
Total Interest Income		 96 121 195 233
Loans and Leases Interest Income		 92 115 183 217
Investment Securities Interest Income		 3.41 4.47 8.20 12
Deposits and Money Market Investments Interest Income		 0.74 1.53 4.08 4.32
Total Interest Expense		 11 23 82 109
Deposits Interest Expense		 3.55 13 71 98
Long-Term Debt Interest Expense		 7.78 9.77 11 11
Total Non-Interest Income		 28 29 31 29
Other Service Charges		 12 14 16 12
Net Realized & Unrealized Capital Gains on Investments		 4.07 2.54 2.01 1.93
Investment Banking Income		 11 11 11 13
Other Non-Interest Income		 1.41 2.23 1.49 1.65
Provision for Credit Losses		 -5.80 -3.87 8.18 8.83
Total Non-Interest Expense		 72 79 89 93
Salaries and Employee Benefits		 52 58 61 63
Net Occupancy & Equipment Expense		 6.26 6.65 7.55 8.58
Marketing Expense		 2.02 2.35 2.89 3.52
Property & Liability Insurance Claims		 1.14 1.04 2.24 2.76
Other Operating Expenses		 10 12 15 16
Income Tax Expense		 11 11 10 6.91
Preferred Stock Dividends Declared		 0.00 0.68 0.88 0.88
Basic Earnings per Share		 $4.17 $4.75 $4.33 $5.20
Weighted Average Basic Shares Outstanding		 8.31M 8.35M - 8.30M
Diluted Earnings per Share		 $4.17 $4.75 $4.33 $5.20
Weighted Average Diluted Shares Outstanding		 8.31M 8.35M - 8.30M
Weighted Average Basic & Diluted Shares Outstanding		 8.31M 8.35M - 8.30M
Cash Dividends to Common per Share		 $0.72 $0.79 $0.91 $1.00

Quarterly Income Statements for First Business Financial Services

This table shows First Business Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 11 9.94 8.76 8.12 9.72 9.55 8.63 10 10 14 11
Consolidated Net Income / (Loss)		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
Net Income / (Loss) Continuing Operations		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
Total Pre-Tax Income 		14 13 12 11 12 12 11 12 13 15 13
Total Revenue		 34 34 35 35 37 37 36 38 38 41 41
Net Interest Income / (Expense)		 26 27 27 28 29 30 30 31 31 33 33
Total Interest Income		 32 38 42 47 51 55 56 58 59 60 60
Loans and Leases Interest Income		 30 36 40 44 48 51 52 54 56 56 55
Investment Securities Interest Income		 1.17 1.27 1.59 1.81 2.20 2.60 2.79 3.05 2.98 3.09 3.40
Deposits and Money Market Investments Interest Income		 0.45 0.62 0.66 1.07 0.88 1.47 1.44 0.97 0.85 1.07 0.85
Total Interest Expense		 5.90 11 15 19 22 25 26 27 28 27 26
Deposits Interest Expense		 3.18 8.17 12 17 20 23 24 25 25 24 23
Long-Term Debt Interest Expense		 2.72 2.69 2.93 2.87 2.54 2.58 2.44 2.69 3.03 2.84 3.26
Total Non-Interest Income		 8.20 6.97 8.41 7.37 8.43 7.09 6.76 7.43 7.06 8.01 7.58
Other Service Charges		 4.49 2.97 4.91 3.72 4.26 3.49 3.05 3.21 2.92 3.22 2.69
Net Realized & Unrealized Capital Gains on Investments		 0.73 0.27 0.48 0.40 0.85 0.28 0.19 0.35 0.46 0.94 0.96
Investment Banking Income		 2.62 2.57 2.65 2.89 2.95 2.93 3.11 3.46 3.26 3.43 3.49
Other Non-Interest Income		 0.36 1.17 0.37 0.36 0.38 0.39 0.41 0.40 0.42 0.42 0.44
Provision for Credit Losses		 0.01 0.70 1.56 2.23 1.82 2.57 2.33 1.71 2.09 2.70 2.66
Total Non-Interest Expense		 20 21 22 22 23 22 23 24 23 23 25
Salaries and Employee Benefits		 15 15 16 15 16 14 16 16 15 16 17
Net Occupancy & Equipment Expense		 1.54 1.83 1.80 2.02 1.88 1.85 1.97 2.11 1.96 2.54 2.05
Marketing Expense		 0.54 0.64 0.63 0.78 0.76 0.72 0.82 0.85 0.92 0.93 0.97
Property & Liability Insurance Claims		 0.23 0.20 0.39 0.58 0.68 0.58 0.61 0.61 0.81 0.73 0.78
Other Operating Expenses		 2.90 3.22 3.04 3.52 4.30 3.98 3.79 4.09 4.21 3.43 4.18
Income Tax Expense		 3.22 2.40 2.81 2.52 2.08 2.70 1.75 1.92 2.35 0.89 2.29
Preferred Stock Dividends Declared		 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.22
Basic Earnings per Share		 $1.25 $1.19 $1.05 $0.98 $1.17 $1.13 $1.04 $1.23 $1.24 $1.69 $1.32
Weighted Average Basic Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Diluted Earnings per Share		 $1.25 $1.19 $1.05 $0.98 $1.17 $1.13 $1.04 $1.23 $1.24 $1.69 $1.32
Weighted Average Diluted Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.23 $0.23 $0.23 $0.23 $0.25 $0.25 $0.25 $0.25 $0.29

Annual Cash Flow Statements for First Business Financial Services

This table details how cash moves in and out of First Business Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 0.20 46 37 18
Net Cash From Operating Activities		 36 39 52 57
Net Cash From Continuing Operating Activities		 36 39 52 57
Net Income / (Loss) Continuing Operations		 36 41 37 44
Consolidated Net Income / (Loss)		 36 41 37 44
Provision For Loan Losses		 -5.80 -3.87 8.18 8.83
Depreciation Expense		 3.55 4.07 3.64 3.74
Amortization Expense		 - 1.04 4.05 5.99
Non-Cash Adjustments to Reconcile Net Income		 6.53 -0.74 5.42 -8.66
Changes in Operating Assets and Liabilities, net		 -4.04 -2.70 -6.03 3.35
Net Cash From Investing Activities		 -111 -245 -507 -328
Net Cash From Continuing Investing Activities		 -111 -245 -507 -328
Purchase of Property, Leasehold Improvements and Equipment		 - -3.22 -2.88 -0.22
Purchase of Investment Securities		 -192 -334 -573 -458
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.00 0.03
Sale and/or Maturity of Investments		 80 92 69 129
Other Investing Activities, net		 0.06 -0.05 -0.02 -0.03
Net Cash From Financing Activities		 75 252 491 289
Net Cash From Continuing Financing Activities		 75 252 491 289
Net Change in Deposits		 102 210 629 310
Issuance of Debt		 798 2,437 1,573 1,153
Issuance of Preferred Equity		 0.00 12 0.00 0.00
Issuance of Common Equity		 0.16 0.13 0.13 0.14
Repayment of Debt		 -814 -2,394 -1,699 -1,163
Repurchase of Common Equity		 -5.48 -6.13 -2.97 -1.27
Payment of Dividends		 -6.17 -7.37 -8.45 -9.20
Cash Interest Paid		 13 20 76 110
Cash Income Taxes Paid		 15 8.04 7.46 0.16

Quarterly Cash Flow Statements for First Business Financial Services

This table details how cash moves in and out of First Business Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 15 -8.28 83 -73 20 6.60 -67 9.04 51 26 13
Net Cash From Operating Activities		 15 7.26 9.91 13 16 13 8.68 13 14 22 11
Net Cash From Continuing Operating Activities		 15 7.26 9.91 13 16 13 8.68 13 14 22 11
Net Income / (Loss) Continuing Operations		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
Consolidated Net Income / (Loss)		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
Provision For Loan Losses		 0.01 0.70 1.56 2.23 1.82 2.57 2.33 1.71 2.09 2.70 2.66
Depreciation Expense		 1.06 0.98 0.91 0.96 0.97 0.80 0.79 0.98 0.95 1.02 0.87
Amortization Expense		 0.55 0.48 0.44 0.43 2.01 1.17 1.30 1.30 1.30 2.10 1.59
Non-Cash Adjustments to Reconcile Net Income		 0.39 -0.75 1.99 2.87 -3.09 3.66 2.71 -2.64 -1.65 -7.09 3.42
Changes in Operating Assets and Liabilities, net		 1.77 -4.32 -3.97 -2.28 4.86 -4.63 -7.29 1.24 0.58 8.81 -8.42
Net Cash From Investing Activities		 -38 -128 -116 -163 -116 -111 -83 -77 -67 -102 -97
Net Cash From Continuing Investing Activities		 -38 -128 -116 -163 -116 -111 -83 -77 -67 -102 -97
Purchase of Property, Leasehold Improvements and Equipment		 - - - - -1.32 -0.31 - - 0.62 -0.04 -0.08
Purchase of Investment Securities		 -70 -144 -138 -185 -130 -120 -103 -110 -105 -140 -120
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.03 - - - 0.00
Sale and/or Maturity of Investments		 32 19 22 24 15 8.93 20 33 38 38 23
Net Cash From Financing Activities		 38 113 190 77 120 105 6.58 73 104 106 99
Net Cash From Continuing Financing Activities		 38 113 190 77 120 105 6.58 73 104 106 99
Net Change in Deposits		 218 81 309 52 128 140 -41 130 85 137 136
Issuance of Debt		 589 414 695 446 302 130 146 334 461 211 545
Issuance of Common Equity		 0.03 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.03 0.05 0.04
Repayment of Debt		 -765 -378 -810 -418 -308 -162 -95 -388 -440 -240 -579
Repurchase of Common Equity		 -1.53 -2.62 -1.86 -1.07 -0.02 -0.02 -0.58 -0.67 -0.01 -0.01 -0.78
Payment of Dividends		 -1.89 -1.88 -2.13 -2.11 -2.11 -2.11 -2.31 -2.30 -2.30 -2.30 -2.66
Cash Interest Paid		 5.38 9.03 13 17 21 24 26 27 29 28 26
Cash Income Taxes Paid		 3.29 4.78 -0.01 1.20 3.83 2.43 0.01 0.39 0.46 -0.70 -0.02

Annual Balance Sheets for First Business Financial Services

This table presents First Business Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024
Period end date 12/31/2023 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,508 2,977 3,508 3,853
Cash and Due from Banks		 32 26 32 29
Interest Bearing Deposits at Other Banks		 107 77 107 128
Trading Account Securities		 361 293 361 414
Loans and Leases, Net of Allowance		 0.00 0.00 2,819 3,077
Loans Held for Sale		 2,824 2,421 4.59 13
Premises and Equipment, Net		 6.19 4.34 6.19 5.23
Intangible Assets		 12 12 12 12
Other Assets		 165 143 165 174
Total Liabilities & Shareholders' Equity		 3,508 2,977 3,508 3,853
Total Liabilities		 3,218 2,716 3,218 3,525
Non-Interest Bearing Deposits		 2,797 2,168 2,797 3,107
Long-Term Debt		 331 457 331 320
Other Long-Term Liabilities		 91 91 91 97
Total Equity & Noncontrolling Interests		 290 261 290 329
Total Preferred & Common Equity		 290 261 290 329
Preferred Stock		 12 12 12 12
Total Common Equity		 278 249 278 317
Common Stock		 91 88 91 94
Retained Earnings		 231 204 231 266
Treasury Stock		 -30 -27 -30 -31
Accumulated Other Comprehensive Income / (Loss)		 -14 -15 -14 -11

Quarterly Balance Sheets for First Business Financial Services

This table presents First Business Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 2,851 3,164 3,266 3,419 3,531 3,617 3,716 3,945
Cash and Due from Banks		 24 212 32 23 25 26 45 35
Interest Bearing Deposits at Other Banks		 87 160 81 110 47 55 87 136
Trading Account Securities		 284 303 334 375 392 387 363 414
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 2,952 3,016 3,149
Loans Held for Sale		 2,307 2.70 2,649 2,739 2,883 6.51 8.17 11
Premises and Equipment, Net		 3.14 4.93 5.09 6.16 6.27 6.38 5.48 5.02
Intangible Assets		 12 12 12 12 12 12 12 12
Other Assets		 133 142 153 154 166 172 179 183
Total Liabilities & Shareholders' Equity		 2,851 3,164 3,266 3,419 3,531 3,617 3,716 3,945
Total Liabilities		 2,598 2,507 2,993 3,138 3,234 3,312 3,404 3,609
Non-Interest Bearing Deposits		 2,088 2,477 2,529 2,657 2,755 2,885 2,970 3,243
Long-Term Debt		 420 - 370 364 382 328 349 287
Other Long-Term Liabilities		 90 30 94 117 96 99 85 79
Total Equity & Noncontrolling Interests		 253 267 273 281 298 305 312 336
Total Preferred & Common Equity		 253 267 273 281 298 305 312 336
Preferred Stock		 12 12 12 12 12 12 12 12
Total Common Equity		 241 255 261 269 286 293 300 324
Common Stock		 87 88 89 90 91 92 93 94
Retained Earnings		 195 209 215 223 237 245 254 274
Treasury Stock		 -25 -29 -30 -30 -31 -31 -31 -32
Accumulated Other Comprehensive Income / (Loss)		 -17 -14 -14 -14 -12 -13 -15 -12

Annual Metrics And Ratios for First Business Financial Services

This table displays calculated financial ratios and metrics derived from First Business Financial Services' official financial filings.

Metric 2021 2022 2023 2024
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - -
Revenue Growth		 8.41% 13.38% 12.55% 6.64%
EBITDA Growth		 151.35% 4.80% -4.39% 11.04%
EBIT Growth		 156.92% 11.09% -9.77% 8.51%
NOPAT Growth		 110.60% 14.27% -9.38% 19.49%
Net Income Growth		 110.60% 14.27% -9.38% 19.49%
EPS Growth		 111.68% 13.91% -8.84% 20.09%
Operating Cash Flow Growth		 96.33% 7.37% 35.31% 9.94%
Free Cash Flow Firm Growth		 153.40% -210.75% 338.87% -87.97%
Invested Capital Growth		 -2.34% 15.62% -13.51% 4.53%
Revenue Q/Q Growth		 -0.72% 4.87% 1.56% 0.00%
EBITDA Q/Q Growth		 17.55% -3.20% 5.29% 0.00%
EBIT Q/Q Growth		 9.63% 2.12% -0.18% 0.00%
NOPAT Q/Q Growth		 7.54% 3.98% -1.03% 0.00%
Net Income Q/Q Growth		 7.54% 3.98% -1.03% 0.00%
EPS Q/Q Growth		 8.31% 3.49% -1.37% 0.00%
Operating Cash Flow Q/Q Growth		 13.73% -34.41% 13.15% 0.00%
Free Cash Flow Firm Q/Q Growth		 -48.41% -1,128.34% 102.79% 197.99%
Invested Capital Q/Q Growth		 -1.42% 6.56% -3.75% -1.88%
Profitability Metrics		 - - - -
EBITDA Margin		 48.53% 44.85% 38.10% 39.67%
EBIT Margin		 41.71% 40.86% 32.76% 33.33%
Profit (Net Income) Margin		 31.71% 31.96% 25.73% 28.83%
Tax Burden Percent		 76.03% 78.21% 78.55% 86.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.97% 21.79% 21.45% 13.50%
Return on Invested Capital (ROIC)		 5.69% 6.11% 5.53% 6.97%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.69% 6.11% 5.53% 6.97%
Return on Net Nonoperating Assets (RNNOA)		 8.73% 8.74% 7.92% 7.34%
Return on Equity (ROE)		 14.42% 14.85% 13.46% 14.31%
Cash Return on Invested Capital (CROIC)		 8.06% -8.38% 20.03% 2.54%
Operating Return on Assets (OROA)		 1.55% 1.61% 1.45% 1.39%
Return on Assets (ROA)		 1.18% 1.26% 1.14% 1.20%
Return on Common Equity (ROCE)		 14.08% 14.20% 12.87% 13.76%
Return on Equity Simple (ROE_SIMPLE)		 12.35% 15.68% 12.79% 13.47%
Net Operating Profit after Tax (NOPAT)		 36 41 37 44
NOPAT Margin		 31.71% 31.96% 25.73% 28.83%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.20% 52.20% 49.69% 49.01%
Operating Expenses to Revenue		 63.44% 62.16% 61.55% 60.92%
Earnings before Interest and Taxes (EBIT)		 47 52 47 51
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 55 57 55 61
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.82 1.17 1.16 1.21
Price to Tangible Book Value (P/TBV)		 0.86 1.23 1.22 1.25
Price to Revenue (P/Rev)		 2.02 2.27 2.25 2.49
Price to Earnings (P/E)		 6.37 7.22 8.94 8.81
Dividend Yield		 2.65% 2.30% 2.34% 2.17%
Earnings Yield		 15.71% 13.84% 11.19% 11.36%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.91 0.85 0.86
Enterprise Value to Revenue (EV/Rev)		 3.82 5.13 3.66 3.62
Enterprise Value to EBITDA (EV/EBITDA)		 7.88 11.45 9.60 9.14
Enterprise Value to EBIT (EV/EBIT)		 9.17 12.56 11.17 10.87
Enterprise Value to NOPAT (EV/NOPAT)		 12.06 16.06 14.22 12.57
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.24 16.98 10.07 9.68
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.51 0.00 3.93 34.53
Leverage & Solvency		 - - - -
Debt to Equity		 1.14 1.75 1.14 0.97
Long-Term Debt to Equity		 1.14 1.75 1.14 0.97
Financial Leverage		 1.53 1.43 1.43 1.05
Leverage Ratio		 12.26 11.79 11.79 11.91
Compound Leverage Factor		 12.26 11.79 11.79 11.91
Debt to Total Capital		 53.33% 63.67% 53.33% 49.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 53.33% 63.67% 53.33% 49.34%
Preferred Equity to Total Capital		 1.93% 1.67% 1.93% 1.85%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 44.74% 34.66% 44.74% 48.81%
Debt to EBITDA		 6.05 7.97 6.04 5.26
Net Debt to EBITDA		 3.50 6.18 3.49 2.67
Long-Term Debt to EBITDA		 6.05 7.97 6.04 5.26
Debt to NOPAT		 9.26 11.18 8.94 7.23
Net Debt to NOPAT		 5.35 8.67 5.17 3.67
Long-Term Debt to NOPAT		 9.26 11.18 8.94 7.23
Noncontrolling Interest Sharing Ratio		 2.42% 4.36% 4.36% 3.88%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 51 -56 134 16
Operating Cash Flow to CapEx		 0.00% 1,199.04% 1,813.18% 29,788.08%
Free Cash Flow to Firm to Interest Expense		 4.47 -2.44 1.63 0.15
Operating Cash Flow to Interest Expense		 4.61 1.68 0.64 0.53
Operating Cash Flow Less CapEx to Interest Expense		 4.61 1.54 0.60 0.53
Efficiency Ratios		 - - - -
Asset Turnover		 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 27.54 24.28 27.33 26.88
Capital & Investment Metrics		 - - - -
Invested Capital		 621 717 621 649
Invested Capital Turnover		 0.18 0.19 0.22 0.24
Increase / (Decrease) in Invested Capital		 -15 97 -97 28
Enterprise Value (EV)		 431 656 527 556
Market Capitalization		 228 290 323 382
Book Value per Share		 $33.09 $29.49 $33.39 $38.17
Tangible Book Value per Share		 $31.65 $28.05 $31.94 $36.73
Total Capital		 621 717 621 649
Total Debt		 331 457 331 320
Total Long-Term Debt		 331 457 331 320
Net Debt		 191 354 191 162
Capital Expenditures (CapEx)		 0.00 3.22 2.88 0.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 331 457 331 320
Total Depreciation and Amortization (D&A)		 7.69 5.10 7.69 9.73
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $4.17 $0.00 $0.00 $5.20
Adjusted Weighted Average Basic Shares Outstanding		 8.46M 0.00 0.00 8.30M
Adjusted Diluted Earnings per Share		 $4.17 $0.00 $0.00 $5.20
Adjusted Weighted Average Diluted Shares Outstanding		 8.46M 0.00 0.00 8.30M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.46M 0.00 0.00 8.30M
Normalized Net Operating Profit after Tax (NOPAT)		 36 41 37 44
Normalized NOPAT Margin		 31.71% 31.96% 25.73% 28.83%
Pre Tax Income Margin		 41.71% 40.86% 32.76% 33.33%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 4.15 2.28 0.57 0.47
NOPAT to Interest Expense		 3.15 1.78 0.45 0.41
EBIT Less CapEx to Interest Expense		 4.15 2.14 0.54 0.47
NOPAT Less CapEx to Interest Expense		 3.15 1.64 0.41 0.40
Payout Ratios		 - - - -
Dividend Payout Ratio		 23.64% 18.04% 22.83% 20.78%
Augmented Payout Ratio		 31.95% 33.03% 30.85% 23.65%

Quarterly Metrics And Ratios for First Business Financial Services

This table displays calculated financial ratios and metrics derived from First Business Financial Services' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 20.69% 20.82% 21.88% 15.03% 8.64% 6.42% 3.28% 8.10% 2.82% 12.34% 12.60%
EBITDA Growth		 21.67% -14.86% 10.32% -22.28% -4.20% 3.03% -3.41% 19.55% 0.85% 27.54% 25.50%
EBIT Growth		 16.84% 9.47% 8.70% -26.64% -14.39% -0.66% -10.07% 13.94% 7.13% 22.67% 26.97%
NOPAT Growth		 17.70% 18.22% 3.54% -25.59% -8.17% -3.80% -1.46% 25.42% 5.88% 47.54% 26.25%
Net Income Growth		 17.70% 18.22% 3.54% -25.59% -8.17% -3.80% -1.46% 25.42% 5.88% 47.54% 26.25%
EPS Growth		 16.82% 15.53% 2.94% -24.03% -6.40% -5.04% -0.95% 25.51% 5.98% 49.56% 26.92%
Operating Cash Flow Growth		 49.26% -35.40% 372.31% -14.49% 12.89% 83.79% -12.37% 3.97% -16.38% 64.72% 30.15%
Free Cash Flow Firm Growth		 -144.57% -469.66% -49.95% 215.47% 216.83% 222.96% -219.35% -90.49% -115.33% -112.86% 615.10%
Invested Capital Growth		 6.97% 15.62% -0.32% -24.08% -4.26% -13.51% 3.35% -1.51% 2.55% 4.53% -8.37%
Revenue Q/Q Growth		 11.62% 1.01% 2.00% 0.02% 5.42% -1.06% 0.00% 4.68% 0.28% 8.10% -0.77%
EBITDA Q/Q Growth		 -0.70% -10.47% -9.84% -6.71% 22.40% -3.71% 0.00% 15.46% 3.26% 21.77% -13.56%
EBIT Q/Q Growth		 -5.15% -10.58% -6.12% -7.87% 10.69% 3.77% 0.00% 16.73% 4.07% 18.82% -12.03%
NOPAT Q/Q Growth		 -3.37% -6.19% -11.59% -7.15% 19.24% -1.72% 0.00% 18.17% 0.67% 36.95% -22.50%
Net Income Q/Q Growth		 -3.37% -6.19% -11.59% -7.15% 19.24% -1.72% 0.00% 18.17% 0.67% 36.95% -22.50%
EPS Q/Q Growth		 -3.10% -4.80% -11.76% -6.67% 19.39% -3.42% 0.00% 18.27% 0.81% 36.29% -21.89%
Operating Cash Flow Q/Q Growth		 -0.45% -50.35% 36.58% 26.67% 31.43% -19.17% 0.00% 50.29% 5.70% 59.23% -48.55%
Free Cash Flow Firm Q/Q Growth		 82.02% -162.73% 112.75% 1,817.37% -81.81% 176.51% 0.00% 252.78% -129.32% -131.90% 595.84%
Invested Capital Q/Q Growth		 -20.47% 6.56% -8.36% -2.24% 0.30% -3.75% 0.00% -6.84% 4.43% -1.88% -4.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.94% 40.72% 37.41% 34.89% 40.51% 39.42% 34.98% 38.58% 39.73% 44.76% 38.99%
EBIT Margin		 41.20% 36.47% 33.57% 30.92% 32.46% 34.05% 29.23% 32.59% 33.82% 37.18% 32.96%
Profit (Net Income) Margin		 31.77% 29.50% 25.57% 23.74% 26.85% 26.67% 24.40% 27.54% 27.65% 35.03% 27.36%
Tax Burden Percent		 77.10% 80.89% 76.18% 76.78% 82.70% 78.33% 83.47% 84.51% 81.74% 94.22% 83.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.90% 19.11% 23.82% 23.23% 17.30% 21.67% 16.53% 15.49% 18.26% 5.78% 17.00%
Return on Invested Capital (ROIC)		 5.95% 5.64% 5.21% 4.42% 5.77% 5.74% 0.00% 0.00% 0.00% 8.47% 6.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.95% 5.64% 5.21% 4.42% 5.77% 5.74% 0.00% 0.00% 0.00% 8.47% 6.64%
Return on Net Nonoperating Assets (RNNOA)		 10.25% 8.07% 8.20% 8.18% 8.48% 8.21% 0.00% 0.00% 0.00% 8.92% 7.00%
Return on Equity (ROE)		 16.19% 13.71% 13.41% 12.61% 14.25% 13.95% 0.00% 0.00% 0.00% 17.39% 13.64%
Cash Return on Invested Capital (CROIC)		 -0.70% -8.38% 6.57% 32.51% 10.03% 20.03% -3.30% 1.52% -2.52% 2.54% 15.88%
Operating Return on Assets (OROA)		 1.85% 1.44% 1.53% 1.42% 1.47% 1.51% 0.00% 0.00% 0.00% 1.55% 1.39%
Return on Assets (ROA)		 1.43% 1.16% 1.17% 1.09% 1.21% 1.18% 0.00% 0.00% 0.00% 1.46% 1.16%
Return on Common Equity (ROCE)		 15.79% 13.11% 12.78% 12.03% 13.61% 13.34% 0.00% 0.00% 0.00% 16.72% 13.12%
Return on Equity Simple (ROE_SIMPLE)		 15.53% 0.00% 15.44% 14.05% 13.33% 0.00% 0.00% 0.00% 0.00% 0.00% 13.86%
Net Operating Profit after Tax (NOPAT)		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
NOPAT Margin		 31.77% 29.50% 25.57% 23.74% 26.85% 26.67% 24.40% 27.54% 27.65% 35.03% 27.36%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.58% 51.54% 52.22% 51.04% 49.18% 46.47% 52.24% 50.51% 47.50% 46.17% 48.39%
Operating Expenses to Revenue		 58.77% 61.49% 61.99% 62.73% 62.63% 58.93% 64.36% 62.90% 60.69% 56.26% 60.53%
Earnings before Interest and Taxes (EBIT)		 14 13 12 11 12 12 11 12 13 15 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 14 13 12 15 14 13 15 15 18 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.17 0.96 0.91 0.90 1.16 1.08 1.04 1.26 1.21 1.21
Price to Tangible Book Value (P/TBV)		 1.13 1.23 1.01 0.95 0.95 1.22 1.12 1.08 1.31 1.25 1.25
Price to Revenue (P/Rev)		 2.13 2.27 1.82 1.70 1.71 2.25 0.00 0.00 0.00 2.49 2.48
Price to Earnings (P/E)		 6.68 7.22 6.06 6.31 6.64 8.94 0.00 0.00 0.00 8.81 8.57
Dividend Yield		 2.53% 2.30% 2.81% 2.98% 3.02% 2.34% 2.52% 2.60% 2.14% 2.17% 2.21%
Earnings Yield		 14.98% 13.84% 16.51% 15.84% 15.05% 11.19% 0.00% 0.00% 0.00% 11.36% 11.67%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.91 0.00 0.79 0.75 0.85 0.93 0.89 0.92 0.86 0.83
Enterprise Value to Revenue (EV/Rev)		 4.76 5.13 0.00 3.64 3.43 3.66 0.00 0.00 0.00 3.62 3.29
Enterprise Value to EBITDA (EV/EBITDA)		 9.80 11.45 0.00 9.33 9.33 9.60 0.00 0.00 0.00 9.14 8.10
Enterprise Value to EBIT (EV/EBIT)		 11.35 12.56 0.00 10.27 10.28 11.17 0.00 0.00 0.00 10.87 9.62
Enterprise Value to NOPAT (EV/NOPAT)		 14.78 16.06 0.00 13.20 12.98 14.22 0.00 0.00 0.00 12.57 11.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.85 16.98 0.00 11.41 10.51 10.07 0.00 0.00 0.00 9.68 8.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 2.09 7.35 3.93 0.00 57.97 0.00 34.53 5.02
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.66 1.75 0.00 1.36 1.30 1.14 1.28 1.07 1.12 0.97 0.85
Long-Term Debt to Equity		 1.66 1.75 0.00 1.36 1.30 1.14 1.28 1.07 1.12 0.97 0.85
Financial Leverage		 1.72 1.43 1.57 1.85 1.47 1.43 1.37 1.21 1.20 1.05 1.05
Leverage Ratio		 11.36 11.79 11.51 11.56 11.75 11.79 11.86 11.91 12.04 11.91 11.79
Compound Leverage Factor		 11.36 11.79 11.51 11.56 11.75 11.79 11.86 11.91 12.04 11.91 11.79
Debt to Total Capital		 62.42% 63.67% 0.00% 57.58% 56.45% 53.33% 56.18% 51.79% 52.81% 49.34% 46.03%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 62.42% 63.67% 0.00% 57.58% 56.45% 53.33% 56.18% 51.79% 52.81% 49.34% 46.03%
Preferred Equity to Total Capital		 1.78% 1.67% 4.50% 1.87% 1.86% 1.93% 1.76% 1.89% 1.81% 1.85% 1.93%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 35.80% 34.66% 95.50% 40.55% 41.69% 44.74% 42.06% 46.31% 45.38% 48.81% 52.05%
Debt to EBITDA		 7.09 7.97 0.00 6.83 6.99 6.04 0.00 0.00 0.00 5.26 4.47
Net Debt to EBITDA		 5.22 6.18 0.00 4.75 4.44 3.49 0.00 0.00 0.00 2.67 1.81
Long-Term Debt to EBITDA		 7.09 7.97 0.00 6.83 6.99 6.04 0.00 0.00 0.00 5.26 4.47
Debt to NOPAT		 10.70 11.18 0.00 9.66 9.73 8.94 0.00 0.00 0.00 7.23 6.15
Net Debt to NOPAT		 7.87 8.67 0.00 6.72 6.17 5.17 0.00 0.00 0.00 3.67 2.49
Long-Term Debt to NOPAT		 10.70 11.18 0.00 9.66 9.73 8.94 0.00 0.00 0.00 7.23 6.15
Noncontrolling Interest Sharing Ratio		 2.51% 4.36% 4.69% 4.59% 4.49% 4.36% 4.25% 4.15% 4.05% 3.88% 3.78%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -33 -87 11 212 39 107 -13 20 -5.92 -14 68
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 1,250.72% 4,301.29% 0.00% 0.00% 0.00% 52,295.24% 14,126.25%
Free Cash Flow to Firm to Interest Expense		 -5.60 -7.99 0.72 10.93 1.73 4.23 -0.50 0.74 -0.21 -0.51 2.59
Operating Cash Flow to Interest Expense		 2.48 0.67 0.65 0.65 0.74 0.53 0.33 0.48 0.49 0.81 0.43
Operating Cash Flow Less CapEx to Interest Expense		 2.48 0.67 0.65 0.65 0.68 0.52 0.33 0.48 0.51 0.81 0.43
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.05 0.05 0.05 0.04 0.00 0.00 0.00 0.04 0.04
Fixed Asset Turnover		 50.35 24.28 40.94 39.68 30.47 27.33 0.00 0.00 0.00 26.88 28.01
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 673 717 657 643 645 621 680 633 661 649 623
Invested Capital Turnover		 0.19 0.19 0.20 0.19 0.22 0.22 0.00 0.00 0.00 0.24 0.24
Increase / (Decrease) in Invested Capital		 44 97 -2.09 -204 -29 -97 22 -9.72 16 28 -57
Enterprise Value (EV)		 581 656 -116 506 486 527 629 563 607 556 519
Market Capitalization		 259 290 244 236 243 323 307 305 378 382 391
Book Value per Share		 $28.43 $29.49 $30.50 $31.43 $32.32 $33.39 $34.41 $35.37 $36.17 $38.17 $39.04
Tangible Book Value per Share		 $26.99 $28.05 $29.04 $29.97 $30.86 $31.94 $32.97 $33.94 $34.74 $36.73 $37.59
Total Capital		 673 717 267 643 645 621 680 633 661 649 623
Total Debt		 420 457 0.00 370 364 331 382 328 349 320 287
Total Long-Term Debt		 420 457 0.00 370 364 331 382 328 349 320 287
Net Debt		 309 354 -372 257 231 191 310 247 217 162 116
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 1.32 0.31 -0.03 0.00 -0.62 0.04 0.08
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 420 457 391 370 364 331 382 328 349 320 287
Total Depreciation and Amortization (D&A)		 1.62 1.46 1.35 1.39 2.98 1.97 2.09 2.28 2.25 3.12 2.46
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.25 $1.19 $1.05 $0.98 $1.17 $1.13 $1.04 $1.23 $1.24 $1.69 $1.32
Adjusted Weighted Average Basic Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Adjusted Diluted Earnings per Share		 $1.25 $1.19 $1.05 $0.98 $1.17 $1.13 $1.04 $1.23 $1.24 $1.69 $1.32
Adjusted Weighted Average Diluted Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.43M 8.35M 8.29M 8.32M 8.31M 0.00 8.29M 8.29M 8.30M 8.30M 8.32M
Normalized Net Operating Profit after Tax (NOPAT)		 11 10 8.98 8.34 9.94 9.77 8.85 10 11 14 11
Normalized NOPAT Margin		 31.77% 29.50% 25.57% 23.74% 26.85% 26.67% 24.40% 27.54% 27.65% 35.03% 27.36%
Pre Tax Income Margin		 41.20% 36.47% 33.57% 30.92% 32.46% 34.05% 29.23% 32.59% 33.82% 37.18% 32.96%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.38 1.16 0.77 0.56 0.54 0.49 0.40 0.45 0.45 0.57 0.51
NOPAT to Interest Expense		 1.83 0.93 0.58 0.43 0.44 0.39 0.34 0.38 0.37 0.53 0.43
EBIT Less CapEx to Interest Expense		 2.38 1.16 0.77 0.56 0.48 0.48 0.40 0.45 0.48 0.57 0.51
NOPAT Less CapEx to Interest Expense		 1.83 0.93 0.58 0.43 0.39 0.38 0.34 0.38 0.39 0.53 0.42
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.66% 18.04% 19.01% 20.91% 21.99% 22.83% 0.00% 0.00% 0.00% 20.78% 20.51%
Augmented Payout Ratio		 28.13% 33.03% 36.93% 39.42% 36.90% 30.85% 0.00% 0.00% 0.00% 23.65% 23.66%

Financials Breakdown Chart

Key Financial Trends

First Business Financial Services (NASDAQ: FBIZ) has demonstrated solid financial performance from Q3 2022 through Q1 2025, with key trends evident across income, cash flow, and balance sheet data.

Income Statement Highlights

  • Consistent growth in loans and leases interest income, increasing from $30.2M in Q3 2022 to $55.3M in Q1 2025, showing strong core lending activity expansion.
  • Net interest income remains healthy and stable, with Q1 2025 at $33.3M, slightly up from $25.9M in Q3 2022, reflecting improved net interest margins.
  • Non-interest income has generally trended higher, with investment banking income rising from $2.6M in Q3 2022 to $3.5M in Q1 2025, indicating diversification in revenue sources.
  • Provision for credit losses has increased modestly, from $12K in Q3 2022 to $2.7M by Q4 2024 - Q1 2025, suggesting rising credit risk or prudent reserve building.
  • Total non-interest expenses have risen from approximately $20M in Q3 2022 to $24.7M in Q1 2025, reflecting higher operating costs but mostly in line with revenue growth.
  • Earnings per share fluctuated, increasing to $1.69 in Q4 2024 but then moderating to $1.32 in Q1 2025, influenced by varying net income and share count stability.

Cash Flow Statement Highlights

  • Consistent positive net cash from operating activities, with $11.3M generated in Q1 2025, supporting business sustainability.
  • Substantial cash outflows for investment securities purchases continue, over $120M in Q1 2025, indicating ongoing investment to support asset growth.
  • Financing activities largely driven by issuance and repayment of debt, showing active balance sheet management with net inflows of $99M in Q1 2025.

Balance Sheet Highlights

  • Total assets steadily increased from approximately $2.85B in Q3 2022 to nearly $3.94B by Q1 2025, demonstrating strong asset growth.
  • Loans and leases net balance expanded from about $2.3B in Q3 2022 to around $3.15B in Q1 2025, confirming loan portfolio growth as the core asset base.
  • Deposits, a main funding source, grew significantly from ~ $2.09B non-interest bearing deposits in Q3 2022 to $3.24B by Q1 2025, a strong sign of customer trust and funding stability.
  • Long-term debt increased modestly from $420M in Q3 2022 to $286M in Q1 2025, reflecting financing taken on to support growth but with some repayment as well.
  • Total equity grew steadily from $253M in Q3 2022 to $336M in Q1 2025, supporting a stable capital base; however, accumulated other comprehensive loss continues to weigh slightly on equity.

Summary

Overall, First Business Financial Services displays positive trends of growing loan and deposit balances, stable net interest income, and diversified revenue from investment banking and other non-interest sources. While provisions for credit losses have increased, this appears to be a cautious move in line with portfolio expansion. Operating cash flows remain strong, though investment outflows are substantial as the company invests for growth. The balance sheet shows healthy expansion in assets and deposits, supported by stable equity and manageable debt levels.

Retail investors may view First Business Financial Services as a solid regional financial institution expanding its core business and diversifying income streams, with a generally sound financial footing and manageable risk profile.

09/19/25 08:06 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About First Business Financial Services' Financials

When does First Business Financial Services' financial year end?

According to the most recent income statement we have on file, First Business Financial Services' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has First Business Financial Services' net income changed over the last 3 years?

First Business Financial Services' net income appears to be on an upward trend, with a most recent value of $44.25 million in 2024, rising from $35.76 million in 2021. The previous period was $37.03 million in 2023. See where experts think First Business Financial Services is headed by visiting First Business Financial Services' forecast page.

How has First Business Financial Services' revenue changed over the last 3 years?

Over the last 3 years, First Business Financial Services' total revenue changed from $112.76 million in 2021 to $153.46 million in 2024, a change of 36.1%.

How much debt does First Business Financial Services have?

First Business Financial Services' total liabilities were at $3.52 billion at the end of 2024, a 9.5% increase from 2023, and a 9.5% increase since 2021.

How much cash does First Business Financial Services have?

In the past 3 years, First Business Financial Services' cash and equivalents has ranged from $25.81 million in 2022 to $32.35 million in 2021, and is currently $29.50 million as of their latest financial filing in 2024.

How has First Business Financial Services' book value per share changed over the last 3 years?

Over the last 3 years, First Business Financial Services' book value per share changed from 33.09 in 2021 to 38.17 in 2024, a change of 15.4%.


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This page (NASDAQ:FBIZ) was last updated on 9/19/2025 by MarketBeat.com Staff
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