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0.16%
First business financial services, inc.
1.79%
Avg of Sector
-0.31%
S&P500

Browsing restrictions can be lifted for a fee.
| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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. 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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for First business financial services, inc. (FBIZ) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FBIZ's short-term business performance and financial health. For the latest updates on FBIZ's earnings releases, visit this page regularly.
According to historical valuation range analysis, First business financial services, inc. (FBIZ)'s current price-to-earnings (P/E) ratio is 9.55, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, First business financial services, inc. (FBIZ) reported an Operating Profit of 16.24M with an Operating Margin of 40.22% this period, representing a growth of 6.13% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, First business financial services, inc. (FBIZ) announced revenue of 40.37M, with a Year-Over-Year growth rate of 4.99%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, First business financial services, inc. (FBIZ) held Total Cash and Cash Equivalents of 39.49M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, First business financial services, inc. (FBIZ) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 40.22%%, and net margin of 32.5%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FBIZ's profit trajectory and future growth potential.
According to the past four quarterly reports, First business financial services, inc. (FBIZ)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 1.57. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
First business financial services, inc. (FBIZ)'s Free Cash Flow (FCF) for the period is 16.1M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 26.54% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows First business financial services, inc. (FBIZ) has a Price-To-Earnings (PE) ratio of 9.55 and a Price/Earnings-To-Growth (PEG) ratio of -1.41. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.