Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
FBIZ 
First Business Financial Services (FBIZ)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/02/2025: 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 $57.6
1 Year Target Price $57.6
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.42% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 434.91M USD | Price to earnings Ratio 9.22 | 1Y Target Price 57.6 |
Price to earnings Ratio 9.22 | 1Y Target Price 57.6 | ||
Volume (30-day avg) 5 | Beta 0.66 | 52 Weeks Range 34.27 - 55.82 | Updated Date 07/1/2025 |
52 Weeks Range 34.27 - 55.82 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 5.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.28% | Operating Margin (TTM) 37.3% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 14.69% |
Valuation
Trailing PE 9.22 | Forward PE 8.96 | Enterprise Value 554208448 | Price to Sales(TTM) 2.92 |
Enterprise Value 554208448 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 8318840 | Shares Floating 7814885 |
Shares Outstanding 8318840 | Shares Floating 7814885 | ||
Percent Insiders 5.18 | Percent Institutions 71.09 |
Analyst Ratings
Rating 2 | Target Price 57.6 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. was founded in 1990. It has grown from a single bank to a financial services holding company with multiple business lines, focusing on serving businesses and their owners and executives. Key milestones include strategic acquisitions and organic growth within its target markets.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial real estate lending, equipment financing, and deposit services, catering to small and medium-sized businesses.
- Private Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
- Specialty Finance: Engages in equipment leasing, asset-based lending, and other specialized financing solutions.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is designed to support its various business lines and ensure efficient operations and customer service.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of First Business Financial Services' revenue. Market share data is difficult to pinpoint precisely at the national level, but it focuses primarily on the Midwest region. Competitors include larger regional and national banks. Revenue information is proprietary but available in their annual financial statements. Competitors include BOKF, JPM, WFC, USB.
- Wealth Management Services: Offers investment management, financial planning, and trust services. Market share is fragmented, with many local and regional players. Competitors include Baird, Northern Trust, and other wealth management firms. Revenue information is proprietary but available in their annual financial statements. Competitors include Schwab, Fidelity, BNY Mellon.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions significantly impact the profitability of financial institutions.
Positioning
First Business Financial Services positions itself as a relationship-focused bank that provides personalized services to businesses and high-net-worth individuals. Its competitive advantage lies in its expertise and local market knowledge.
Total Addressable Market (TAM)
The total addressable market is in the hundreds of billions of dollars, encompassing commercial lending, wealth management, and specialty finance. First Business Financial Services, with its regional focus and specialized services, captures a small but significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the Midwest
- Experienced management team
- Diverse revenue streams
- Focus on relationship banking
- Strong credit quality metrics
Weaknesses
- Smaller scale compared to larger national banks
- Geographic concentration limits growth potential
- Dependence on interest rate environment
- Higher operating expenses relative to larger peers
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions of smaller community banks
- Increasing commercial lending activities from SMBs
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand and credit quality
- Regulatory changes increasing compliance costs
- Rising interest rates impacting borrowing costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOKF
- JPM
- WFC
- USB
- SCHW
- Fidelity
- BK
Competitive Landscape
First Business Financial Services competes with larger national banks, regional banks, and fintech companies. Its advantage lies in its local market knowledge and relationship-focused approach. However, it faces challenges due to its smaller scale and limited geographic presence.
Major Acquisitions
Alterra Bank
- Year: 2014
- Acquisition Price (USD millions): 34.5
- Strategic Rationale: Expanded its presence in the Boulder, Colorado market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. Past performance is contingent on specific financial metrics.
Future Projections: Future projections are dependent on analyst estimates, which can be found on financial websites. These websites track and forecast financial performance.
Recent Initiatives: Recent initiatives include investments in technology, expansion of commercial lending activities, and strategic acquisitions.
Summary
First Business Financial Services is a regional bank with a focus on commercial lending and wealth management. Its strengths lie in its local market presence and relationship banking approach. Challenges include competition from larger banks and reliance on the economic environment. Strategic acquisitions and technological investments are crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximate and based on available data. Financial performance data is subject to change. AI generated rating is based on available public information and is not investment advice.
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 354 | Website https://www.firstbusiness.bank |
Full time employees 354 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.