First Business Financial Services, Inc. (FBIZ)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 102 | 113 | 128 | 144 | 153 | 169 | 178 | - |
| Operating profit | $m | 60 | 65 | ||||||
| Net profit | $m | 17 | 36 | 41 | 37 | 44 | 50 | 56 | 55 |
| EPS reported | $ | 6.06 | 6.63 | ||||||
| Operating cashflow per share | $ | 7.56 | 9.92 | ||||||
| Capex per share | $ | 0.07 | 0.06 | ||||||
| FCF per share | $ | 7.49 | 9.86 | ||||||
| Free cash flow | $m | 61 | 81 | ||||||
| Net debt | $m | 214 | 57 | ||||||
| Book value equity | $m | 372 | 395 | ||||||
| Book value per share | $ | 45.55 | 48.16 | ||||||
| Number of shares | m | 8.16 | 8.21 | ||||||
| DPS (TTM paid) | $ | 1.16 | 1.31 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.96 | 10.64 | ||||||
| P/B LTM | x | 1.19 | 1.12 | ||||||
| P/S LTM | x | 2.63 | 2.49 | ||||||
| P/FCF LTM | x | 7.25 | 5.48 | ||||||
| EV/EBITDA LTM | x | 10.46 | 9.78 | ||||||
| EV/Sales LTM | x | 2.41 | 3.58 | ||||||
| Earnings Yield LTM | % | +11.16% | +9.40% | ||||||
| FCF Yield | % | +13.79% | +18.26% | ||||||
| Quality | |||||||||
| ROE | % | +13.54% | +14.75% | ||||||
| ROIC | % | +1.23% | +1.34% | ||||||
| Operating margin | % | +21.65% | +22.51% | ||||||
| Gross margin | % | +57.29% | +58.86% | ||||||
| FCF/Sales | % | +21.88% | +28.11% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +16.54% | +27.50% | ||||||
| Sales Growth YoY | % | +9.89% | +15.83% | ||||||
| Net Income Growth YoY | % | +13.73% | +25.45% | ||||||
| FCF Growth | % | +6.69% | +41.28% | ||||||
| Operating Profit Growth | % | +18.19% | +26.69% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.38% | +1.83% | ||||||
| Dividend Growth | % | +16.00% | +31.00% | ||||||
| Payout Ratio | % | +21.36% | +21.31% | ||||||
| FCF/Debt | x | 0.24 | 0.14 | ||||||
| Net Debt/EBITDA | x | 3.56 | 6.29 | ||||||
| EBIT/Net interest | x | 0.55 | 0.59 | ||||||
| Net debt/market cap | % | +57.26% | +98.52% | ||||||
| Net debt/Equity | x | 0.58 | 0.15 | ||||||
| Gross debt/equity | x | 0.70 | 1.51 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First 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 in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Business Financial Services, Inc. (FBIZ)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First 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 in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
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