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Upturn AI SWOT - About
FBIZ 
First Business Financial Services (FBIZ)
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Upturn Advisory Summary
09/16/2025: 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 $58.2
1 Year Target Price $58.2
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.65% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 432.24M USD | Price to earnings Ratio 9.26 | 1Y Target Price 58.2 |
Price to earnings Ratio 9.26 | 1Y Target Price 58.2 | ||
Volume (30-day avg) 5 | Beta 0.72 | 52 Weeks Range 40.55 - 55.48 | Updated Date 09/15/2025 |
52 Weeks Range 40.55 - 55.48 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.09% | Basic EPS (TTM) 5.61 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 9.26 | Forward PE 8.96 | Enterprise Value 676553792 | Price to Sales(TTM) 2.86 |
Enterprise Value 676553792 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 4.51 | Enterprise Value to EBITDA - | Shares Outstanding 8323470 | Shares Floating 7808580 |
Shares Outstanding 8323470 | Shares Floating 7808580 | ||
Percent Insiders 5.33 | Percent Institutions 70.3 |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. (FBIZ) was founded in 1990. It provides financial services to businesses, business owners, executives, and high-net-worth individuals. It began operations with a focus on serving the unique needs of growing businesses.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products tailored to businesses, including commercial real estate lending, equipment financing, and working capital lines of credit.
- Private Wealth Management: Provides wealth management, investment advisory, and trust services to high-net-worth individuals and families.
- Specialty Finance: Includes niche lending activities such as asset-based lending and factoring, catering to specific industry segments.
Leadership and Structure
The leadership team comprises seasoned banking professionals. The organizational structure is designed to support specialized teams focusing on specific business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending: Offers loans for the acquisition, development, and refinancing of commercial properties. Market share data is not publicly available. Competitors include larger regional and national banks like BOK Financial and Wells Fargo.
- Equipment Financing: Provides financing for equipment purchases to businesses. Market share data is not publicly available. Competitors include national equipment finance companies such as CIT Group and DLL Finance.
- Treasury Management Services: Offers solutions for businesses to manage their cash flow efficiently. Market share data is not publicly available. Competitors include larger banks offering similar services like JP Morgan Chase.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles. The market currently is seeing a lot of regulatory actions.
Positioning
First Business Financial Services positions itself as a relationship-focused bank offering specialized services to businesses and high-net-worth individuals. Their competitive advantages stem from personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for commercial banking and wealth management is significant, estimated to be in the trillions of dollars nationally. FBIZ holds a small percentage of the TAM but has growth opportunities within its niche markets.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Specialized industry expertise
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic presence
- Smaller balance sheet compared to larger competitors
- Reliance on a few key industries
- Higher cost structure as a percentage of assets
Opportunities
- Expansion into new geographic markets
- Increased cross-selling of products and services
- Technological advancements to improve efficiency
- Acquisition of smaller financial institutions
Threats
- Economic downturn impacting loan demand
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting profitability
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- JPM
- WFC
Competitive Landscape
FBIZ faces intense competition from larger national and regional banks, as well as fintech companies. Its competitive advantage lies in its personalized service and local market expertise.
Major Acquisitions
Raven Capital Management
- Year: 2018
- Acquisition Price (USD millions): 12
- Strategic Rationale: Expanded wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: FBIZ has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by organic growth and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and enhanced wealth management offerings.
Summary
First Business Financial Services demonstrates steady growth, supported by its focus on businesses and wealth management. Its strengths lie in client relationships and niche expertise, but it must address its limited geographic reach and competitive pressures. Continued strategic investments and acquisitions could bolster its growth trajectory. The company must be ready to weather economic uncertainties and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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