VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemes
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
Earnings
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Pharma & Energy
LLY vs NVOJNJ vs PFEXOM vs CVX
Compare Any Stocks...
WatchlistInsider
ScreenerThemes
Earnings
WatchlistInsider
FBIZ
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist
FBIZFirst Business Financial Services, Inc.
$64.36$537M
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Ownership
Holders

FBIZ logoFirst Business Financial Services, Inc.(FBIZ)Earnings, Financials & Key Ratios

FBIZ•NASDAQ•Banking & Credit
$64.36
10.6× P/E·Price updated Jul 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%

FBIZ Price & Volume

First Business Financial Services, Inc. (FBIZ) stock price & volume — 10-year historical chart

Loading chart...

Specialized Lending Growth Faces Credit Provisioning Headwinds

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Specialized commercial credit concentration

Key Thesis Takeaways

  • First Business Financial Services demonstrates consistent asset growth, expanding from $3.5 billion in 2023Q4 to $4.3 billion by 2026Q1, driven by its high-touch, branch-light commercial lending model.
  • While the bank maintains disciplined operational efficiency with an efficiency ratio consistently between 33.4% and 37.3%, investors should monitor the significant $26.4 million provision for credit losses in 2026Q1 as a potential indicator of underlying credit deterioration.
  • The firm's reliance on specialized asset-based finance warrants caution, as persistent net interest margin compression near 0.8% to 0.9% limits the upside potential of its core interest-earning activities.

Verdict Logic

while the bank shows a low PEG ratio of 0.42, the significant $26.4 million provision for credit losses in 2026Q1 suggests heightened risk in the specialized loan portfolio that may pressure future earnings.

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

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$1.44+1.4%
$1.42
Rev
$44M+2.1%
$43M
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$1.58+14.5%
$1.38
Rev
$42M-1.3%
$43M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$1.70+22.3%
$1.39
Rev
$45M+3.5%
$43M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.35+0.0%
$1.35
Rev
$41M-3.0%
$42M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.44vs $1.42+1.4%
$44Mvs $43M+2.1%
Q1 2026Jan 29, 2026
$1.58vs $1.38+14.5%
$42Mvs $43M-1.3%
Q4 2025Oct 30, 2025
$1.70vs $1.39+22.3%
$45Mvs $43M+3.5%
Q3 2025Jul 24, 2025
$1.35vs $1.35+0.0%
$41Mvs $42M-3.0%
Based on last 12 quarters of dataView full earnings history →

Latest FBIZ News

Recent stock market news and headlines for First Business Financial Services, Inc. (FBIZ)

Business Wire·10h ago
First Business Bank Announces Second Quarter 2026 Earnings Conference Call

MADISON, Wis.--(BUSINESS WIRE)--First Business Financial Services, Inc. (the “Company” or “First Business Bank”) (Nasdaq:FBIZ) invites participation in a conference call to discuss the Company's financial and operating performance during its second quarter ended June 30, 2026. The conference call and webcast may contain forward-looking statements and other material information. Event:     Earnings Conference Call – Second Quarter 2026 When:     Friday, July 31, 2026 at 8:00 a.m. Central Time Ho.

Zacks Investment Research·Jun 28, 2026
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Business Financial Services (FBIZ) have what it takes?

Peers Comparison

Key metrics vs top competitors for First Business Financial Services, Inc. (FBIZ)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FBIZ logoFBIZFirst Business Financial Services, Inc.Current
$64.36$536.94M10.626.43%18.02%14.37%1.84%
TCBK logoTCBKTriCo Bancshares
$54.96$1.77B14.811.78%23.87%9.86%—
NBTB logoNBTBNBT Bancorp Inc.
$50.16$2.61B15.0610.36%19.66%9.83%—
SBCF logoSBCFSeacoast Banking Corporation of Florida
$33.18$3.23B21.007.49%15.92%5.4%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.75$4.98B19.6311.71%31.14%14.2%—
BANF logoBANFBancFirst Corporation
$114.30$3.84B16.05-9.29%29.66%13.62%—

Compare FBIZ vs Peers

First Business Financial Services, Inc. (FBIZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TCBK

Most directly comparable listed peer for FBIZ.

Scale Benchmark

vs FIS

Larger-name benchmark to compare FBIZ against a more recognizable public peer.

Peer Set

Compare Top 5

vs TCBK, NBTB, SBCF, FFIN

FBIZ SEC Filings & Documents

First Business Financial Services, Inc. (FBIZ) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 16, 2026·SEC

Material company update

Apr 14, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 24, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 25, 2025·SEC

Get notified when FBIZ posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

FBIZ Frequently Asked Questions

First Business Financial Services, Inc. (FBIZ) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First Business Financial Services, Inc. growing?

First Business Financial Services, Inc. (FBIZ) grew revenue by 6.4% over the past year. This is steady growth.

Is FBIZ profitable?

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
Does FBIZ pay dividends?

Yes, First Business Financial Services, Inc. (FBIZ) pays a dividend with a yield of 1.84%. This makes it attractive for income-focused investors.

What is FBIZ's return on equity?

First Business Financial Services, Inc. (FBIZ) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.

Industry Metrics
What is First Business Financial Services, Inc.'s net interest margin?

First Business Financial Services, Inc. (FBIZ) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is First Business Financial Services, Inc.'s efficiency ratio?

First Business Financial Services, Inc. (FBIZ) has an efficiency ratio of 35.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FBIZ back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →