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Upturn AI Summary - About
First Business Financial Services(FBIZ)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FBIZ
10/19/2026: FBIZ (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First Business Financial Services is a regional bank holding company focused on serving small to medium-sized businesses and high-net-worth individuals. Its primary strength lies in its diversified, national specialized lending platforms, which complement its stable core banking business. The main growth opportunity involves scaling these high-margin lending niches while leveraging digital tools to improve operational efficiency. Key risks include credit quality sensitivity in specialized loan portfolios and intense competition for deposits in the broader banking sector. This stock may suit value-oriented investors seeking stable, income-producing assets, provided they monitor the company's net interest margins and asset quality throughout changing economic cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, manageable growth rather than rapid, high-risk scaling. |
| Momentum investor | Weak fit | Stock price movement is generally tied to broader regional banking sector trends rather than aggressive momentum patterns. |
| Value investor | Strong fit | The company often trades at valuations that reflect standard regional banking fundamentals and book value. |
| Dividend investor | Strong fit | Consistent dividend payouts make it an attractive option for income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative management and strong asset quality history appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Like most regional banks, the stock is subject to fluctuations based on interest rate cycles and economic data. |
| Valuation risk | Low | The stock typically trades in line with sector peers, reducing extreme overvaluation concerns. |
| Competition risk (Banking) | Medium / high | The banking sector is highly competitive, with large national banks consistently vying for market share. |
| Business quality | Medium | The firm has a stable, proven business model but operates in a sector with structural margin pressures. |
| Dividend income | Low | Dividends are generally reliable but do not represent high-yield income opportunities. |
| Execution risk | Medium | Success depends on the company's ability to maintain high underwriting standards in its specialized lending segments. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.99% | Avg. Invested days 47 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 590.13M USD | Price to earnings Ratio 10.77 | 1Y Target Price 78.8 |
Price to earnings Ratio 10.77 | 1Y Target Price 78.8 | ||
Volume (30-day avg) 63.6K shares | Beta 0.67 | 52 Weeks Range 46.81 - 73.74 | Updated Date 10/18/2026 |
52 Weeks Range 46.81 - 73.74 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 1.80% | Basic EPS (TTM) 6.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and specialized loans minus interest paid on deposits. | This is the primary way the bank earns profit by lending money at higher rates than it pays to depositors. |
| Fee-Based Income | Wealth management fees, treasury management service fees, and other banking service charges. | These represent stable, non-interest revenue streams that help diversify the business. |
Valuation
Trailing PE 10.77 | Forward PE 8.96 | Enterprise Value 916.27M | Price to Sales(TTM) 3.48 |
Enterprise Value 916.27M | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 5.43 | Enterprise Value to EBITDA - | Shares Outstanding 8.37M | Shares Floating 7.83M |
Shares Outstanding 8.37M | Shares Floating 7.83M | ||
Percent Insiders 4.84 | Percent Institutions 74.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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