Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
FBIZ logo FBIZ
Upturn stock ratingUpturn stock rating
FBIZ logo

First Business Financial Services (FBIZ)

Upturn stock ratingUpturn stock rating
$46.81
Last Close (24-hour delay)
Profit since last BUY-6.27%
upturn advisory
WEAK BUY
BUY since 22 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/16/2025: FBIZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

5 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $57.6

1 Year Target Price $57.6

Analysts Price Target For last 52 week
$57.6Target price
Low$34.27
Current$46.81
high$55.82

Analysis of Past Performance

Type Stock
Historic Profit 12.89%
Avg. Invested days 44
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/16/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 423.51M USD
Price to earnings Ratio 9.3
1Y Target Price 57.6
Price to earnings Ratio 9.3
1Y Target Price 57.6
Volume (30-day avg) 5
Beta 0.66
52 Weeks Range 34.27 - 55.82
Updated Date 06/30/2025
52 Weeks Range 34.27 - 55.82
Updated Date 06/30/2025
Dividends yield (FY) 2.28%
Basic EPS (TTM) 5.45

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 9.3
Forward PE 8.96
Enterprise Value 554208448
Price to Sales(TTM) 2.84
Enterprise Value 554208448
Price to Sales(TTM) 2.84
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 3
Target Price 57.6
Buy 3
Strong Buy 2
Buy 3
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Business Financial Services

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 354

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.