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FBIZ 
First Business Financial Services (FBIZ)
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Upturn Advisory Summary
12/01/2025: FBIZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $60
1 Year Target Price $60
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.49% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 441.02M USD | Price to earnings Ratio 8.73 | 1Y Target Price 60 |
Price to earnings Ratio 8.73 | 1Y Target Price 60 | ||
Volume (30-day avg) 5 | Beta 0.73 | 52 Weeks Range 41.30 - 55.16 | Updated Date 12/1/2025 |
52 Weeks Range 41.30 - 55.16 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 2.14% | Basic EPS (TTM) 6.07 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.52% | Operating Margin (TTM) 42.25% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 15.34% |
Valuation
Trailing PE 8.73 | Forward PE 8.96 | Enterprise Value 691118208 | Price to Sales(TTM) 2.79 |
Enterprise Value 691118208 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 4.3 | Enterprise Value to EBITDA - | Shares Outstanding 8324258 | Shares Floating 7842783 |
Shares Outstanding 8324258 | Shares Floating 7842783 | ||
Percent Insiders 5.3 | Percent Institutions 71.04 |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. was founded in 1990. It provides financial services to businesses, executives, and high-net-worth individuals. The company focuses on building long-term relationships and providing customized solutions.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
- Private Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Specialized Lending: Offers niche lending products, including equipment financing and asset-based lending.
Leadership and Structure
The company is led by a board of directors and a senior management team. Its organizational structure is departmentalized to support its various business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans form a significant portion of First Business Financial Services's revenue. Their competitors are larger regional banks like Associated Banc-Corp (ASB) and Old National Bancorp (ONB). Market share data is difficult to specify without access to proprietary banking data across the US.
- Wealth Management Services: Wealth management services include investment management, financial planning, and trust services. Major competitors include firms like Baird and US Bancorp Wealth Management. The number of users/revenue from this is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from non-traditional lenders.
Positioning
First Business Financial Services positions itself as a relationship-focused bank catering to businesses and high-net-worth individuals.
Total Addressable Market (TAM)
The TAM for commercial banking and wealth management is substantial, potentially in the trillions of dollars nationally. First Business Financial Services is a smaller player positioned to grow by focusing on specialized services and personal relationships.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Experienced management team
- Specialized lending expertise
- High-quality customer service
Weaknesses
- Smaller scale compared to larger banks
- Geographic concentration (primarily Wisconsin)
- Limited brand recognition outside of its core market
Opportunities
- Expansion into new geographic markets
- Development of new financial products and services
- Increased demand for specialized lending
- Growing wealth management market
Threats
- Increased competition from larger banks and non-bank lenders
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- ASB
- ONB
- WBT
Competitive Landscape
First Business Financial Services competes with larger regional and national banks, as well as smaller community banks. Its competitive advantages lie in its personalized service and specialized lending expertise.
Major Acquisitions
Alterra Capital Corp
- Year: 2022
- Acquisition Price (USD millions): 6.4
- Strategic Rationale: Expand specialized financing division.
Growth Trajectory and Initiatives
Historical Growth: First Business Financial Services has exhibited steady growth in recent years, driven by its commercial banking and wealth management segments.
Future Projections: Analyst projections suggest continued growth for First Business Financial Services, supported by its strong client relationships and specialized expertise.
Recent Initiatives: Recent initiatives include expanding its geographic footprint and investing in technology to enhance its digital banking capabilities.
Summary
First Business Financial Services is a well-managed bank with a strong focus on commercial banking and wealth management. Its strengths include strong client relationships and specialized lending expertise. The company faces challenges from larger competitors and economic uncertainties. Successful navigation of these challenges will be critical for sustained growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry databases
Disclaimers:
This analysis is based on available public information and is not financial advice. Market share is estimated and may not be precise. Financial data are estimates.
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 365 | Website https://www.firstbusiness.bank |
Full time employees 365 | 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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