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Upturn AI SWOT - About
FBIZ 
First Business Financial Services (FBIZ)
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Upturn Advisory Summary
10/30/2025: FBIZ (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $59
1 Year Target Price $59
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.6% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 408.85M USD | Price to earnings Ratio 8.77 | 1Y Target Price 59 |
Price to earnings Ratio 8.77 | 1Y Target Price 59 | ||
Volume (30-day avg) 5 | Beta 0.68 | 52 Weeks Range 41.50 - 55.48 | Updated Date 10/30/2025 |
52 Weeks Range 41.50 - 55.48 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 2.18% | Basic EPS (TTM) 5.6 |
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 1.39 | Actual 1.7 |
Profitability
Profit Margin 31.49% | Operating Margin (TTM) 37.05% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 14.63% |
Valuation
Trailing PE 8.77 | Forward PE 8.96 | Enterprise Value 656993664 | Price to Sales(TTM) 2.71 |
Enterprise Value 656993664 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 4.4 | Enterprise Value to EBITDA - | Shares Outstanding 8323470 | Shares Floating 7808580 |
Shares Outstanding 8323470 | Shares Floating 7808580 | ||
Percent Insiders 5.33 | Percent Institutions 70.34 |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. was founded in 1990 and is headquartered in Madison, Wisconsin. It provides specialized financial services to businesses, their owners, and executives. Key milestones include strategic acquisitions and expansions into new markets and service areas.
Core Business Areas
- Commercial Banking: Offers commercial lending, deposit services, treasury management, and international banking to businesses of all sizes.
- Private Wealth: Provides wealth management, trust, and investment advisory services to high-net-worth individuals and families.
- Specialty Finance: Offers equipment financing, asset-based lending, and factoring services to businesses in specific industries.
Leadership and Structure
The leadership team is led by the CEO, who oversees various departments, including commercial banking, private wealth, and specialty finance. The organizational structure is hierarchical, with regional and departmental managers reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate financing for businesses. Competitors include larger national and regional banks. No specific market share data is available for this specific product, but the overall commercial lending market is highly competitive.
- Wealth Management: Offers personalized investment management, financial planning, and trust services. Competitors include large brokerage firms and independent registered investment advisors. No specific market share is available for wealth management services but the overall market is fragmented and competitive.
- Equipment Financing: Provides loans and leases for equipment purchases, serving sectors like manufacturing and transportation. Competitors include large and small financial services providers. No specific market share data is available, but it's a niche market within the broader commercial lending landscape.
Market Dynamics
Industry Overview
The financial services industry is evolving rapidly due to technological advancements, changing regulations, and increasing competition. Banks and wealth managers must adapt to digital transformation and evolving customer expectations.
Positioning
First Business Financial Services positions itself as a relationship-focused bank providing specialized financial services to businesses and high-net-worth individuals. It differentiates itself through its expertise, personalized service, and local market knowledge.
Total Addressable Market (TAM)
The TAM consists of all commercial lending and wealth management services within the geographic regions First Business Financial Services serves. No public estimate available. They are positioned to capture part of this TAM by focusing on specific industries and clientele segments.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Specialized expertise in target markets
- Experienced management team
- Solid credit quality
Weaknesses
- Smaller scale compared to larger competitors
- Limited geographic footprint
- Higher operating expenses relative to larger banks
- Reliance on specific industry sectors
Opportunities
- Expanding into new geographic markets
- Leveraging technology to improve efficiency
- Acquiring smaller financial institutions
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand and credit quality
- Rising interest rates impacting borrowing costs
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- BOKF
- CMA
- HBAN
- JPM
- WFC
Competitive Landscape
First Business Financial Services faces intense competition from larger national and regional banks, as well as specialized financial service providers. Their competitive advantages lie in their relationship-focused approach, local market knowledge, and specialized expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to the company's historical financial records and stock price data.
Future Projections: Future projections would require current analyst reports.
Recent Initiatives: Recent initiatives would require real-time news and press releases from the company.
Summary
First Business Financial Services is a niche financial institution that focuses on providing commercial lending and wealth management services. The company capitalizes on its local-market knowledge and strong customer relationships. While their small size and geographic limitations are key concerns, they face competition from larger organizations. They have an opportunity to use technology to grow their business and enter new markets.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Industry Research
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are based on general industry data and may not accurately reflect First Business Financial Services's specific market share. Real-time data was not used in this response.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Business Financial Services
Exchange NASDAQ | Headquaters Madison, WI, United States | ||
IPO Launch date 2005-10-07 | CEO & Director Mr. Corey A. Chambas | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 368 | Website https://www.firstbusiness.bank |
Full time employees 368 | Website https://www.firstbusiness.bank | ||
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. First Business Financial Services, Inc. was founded in 1909 and is headquartered in Madison, Wisconsin.
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