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Upturn AI SWOT - About
FBIZ 
First Business Financial Services (FBIZ)
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Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 435.98M USD | Price to earnings Ratio 9.35 | 1Y Target Price 58.2 |
Price to earnings Ratio 9.35 | 1Y Target Price 58.2 | ||
Volume (30-day avg) 5 | Beta 0.7 | 52 Weeks Range 40.39 - 55.48 | Updated Date 08/28/2025 |
52 Weeks Range 40.39 - 55.48 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) 5.6 |
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 9.35 | Forward PE 8.96 | Enterprise Value 681214912 | Price to Sales(TTM) 2.89 |
Enterprise Value 681214912 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 8323470 | Shares Floating 7808580 |
Shares Outstanding 8323470 | Shares Floating 7808580 | ||
Percent Insiders 5.33 | Percent Institutions 70.09 |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. was founded in 1990. It has grown organically and through acquisitions to become a diversified financial services provider focused on businesses, business owners, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial real estate lending, equipment financing, and working capital solutions.
- Private Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Specialty Finance: Includes niche lending solutions like SBA lending and factoring.
Leadership and Structure
The company is led by its CEO, who reports to a board of directors. The organizational structure is divided into business lines, each headed by experienced executives.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to pinpoint precisely, but the company competes with regional and national banks. Competitors include Associated Banc-Corp and Wintrust Financial.
- Equipment Financing: Offers financing solutions for equipment purchases. Market share data is not readily available. Competitors include De Lage Landen and DLL Group.
- Private Wealth Management Services: Delivers customized investment and financial planning services. Market share is fragmented. Competitors include Baird and Robert W. Baird & Co.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological disruption, and consolidation. Competition is intense, with both large national players and smaller regional institutions vying for market share.
Positioning
First Business Financial Services positions itself as a relationship-focused provider offering personalized service and expertise to businesses and high-net-worth individuals. Its competitive advantage lies in its specialization and customer-centric approach.
Total Addressable Market (TAM)
The TAM for commercial banking and wealth management services is in the trillions of dollars. First Business Financial Services targets specific niches within this large market. Their positioning allows them to capture a share of that market by focusing on niche business needs.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Experienced management team
- Diversified revenue streams
- Solid credit quality
- Specialized expertise
Weaknesses
- Smaller scale compared to larger competitors
- Geographic concentration
- Limited brand recognition outside of its core markets
- Reliance on economic conditions in its operating region
Opportunities
- Expansion into new markets
- Increased demand for specialized financial services
- Technological innovation
- Acquisitions of smaller competitors
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Interest rate risk
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- Wintrust Financial (WTFC)
- Associated Banc-Corp (ASB)
Competitive Landscape
First Business Financial Services competes with a mix of national and regional banks. Its competitive advantage lies in its specialization and customer-centric approach.
Major Acquisitions
Alterra Capital Corp.
- Year: 2018
- Acquisition Price (USD millions): 72
- Strategic Rationale: Expansion of equipment finance division and new business expertise.
Growth Trajectory and Initiatives
Historical Growth: The company has demonstrated consistent growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth, driven by increasing demand for its services and strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new products, and investing in technology.
Summary
First Business Financial Services demonstrates a solid financial position with targeted growth in niche markets. Its focus on building strong client relationships, specializing in business banking needs, and strategic acquisitions, like the 2018 Alterra Capital, have driven its success. Threats include macroeconomic risks and the increased competition as larger banks enter small niche business market. To remain competitive, First Business Financial Services should look towards innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, Company reports, Market research reports, Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market data can have delay from live.
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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