First Business Financial Services/$FBIZ
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About First Business Financial Services
First Business Financial Services Inc operates as a bank holding company. The Bank operates as a business bank, delivering a full line of commercial banking products including commercial loans and commercial real estate loans, to meet the specific needs of small and medium-sized businesses, business owners, executives, professionals, and high-net-worth individuals. The company's products and services include commercial lending, SBA lending and servicing, asset-based lending, equipment financing, factoring, trust, and investment services, treasury management services, and a broad range of deposit products. Geographically all the business activity functioned through the region of the United States.
Ticker
$FBIZ
Sector
Primary listing
Employees
368
Headquarters
Website
FBIZ Metrics
BasicAdvanced
$424M
9.10
$5.60
0.70
$1.12
2.27%
Price and volume
Market cap
$424M
Beta
0.7
52-week high
$55.00
52-week low
$42.18
Average daily volume
34K
Dividend rate
$1.12
Financial strength
Dividend payout ratio (TTM)
20.80%
Profitability
Net profit margin (TTM)
31.49%
Operating margin (TTM)
38.59%
Effective tax rate (TTM)
13.59%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
1.25%
Return on equity (TTM)
14.63%
Valuation
Price to earnings (TTM)
9.105
Price to revenue (TTM)
2.752
Price to book
1.28
Price to tangible book (TTM)
1.32
Price to free cash flow (TTM)
6.679
Free cash flow yield (TTM)
14.97%
Free cash flow per share (TTM)
7.635
Dividend yield (TTM)
2.20%
Forward dividend yield
2.27%
Growth
Revenue change (TTM)
8.24%
Earnings per share change (TTM)
22.54%
3-year revenue growth (CAGR)
6.94%
3-year earnings per share growth (CAGR)
8.37%
10-year earnings per share growth (CAGR)
11.89%
3-year dividend per share growth (CAGR)
12.67%
10-year dividend per share growth (CAGR)
9.65%
Bulls say / Bears say
Loans grew 8.9% year-over-year in Q2 2025, underscoring the strength of FBIZ’s relationship-driven commercial lending model and broad-based balance sheet expansion (Nasdaq).
Core deposits increased 9.7% year-over-year in Q2 2025, bolstering low-cost funding stability and supporting continued organic growth (Nasdaq).
Tangible book value per share rose 13.6% year-over-year in Q2 2025, reflecting robust earnings retention and sustained capital generation capacity (Nasdaq).
Non-performing assets rose to 0.72% of total assets in Q2 2025 from 0.53% a year earlier, driven by a single non-accrual C&I loan, signaling emerging credit risks in the transportation and logistics sector (Nasdaq).
Private Wealth fee income growth slowed to 8.3% year-over-year in Q2 2025, down from 12.2% in Q1, indicating a deceleration in non-interest income momentum (Nasdaq).
Net interest margin remained largely flat at 3.67% in Q2 2025, only marginally lower than 3.69% in Q1, implying limited NIM expansion potential from the match‐funding strategy in a stable rate environment (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
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Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
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FAQs
What’s the current market cap for First Business Financial Services stock?
First Business Financial Services (FBIZ) has a market cap of $424M as of October 07, 2025.
What is the P/E ratio for First Business Financial Services stock?
The price to earnings (P/E) ratio for First Business Financial Services (FBIZ) stock is 9.1 as of October 07, 2025.
Does First Business Financial Services stock pay dividends?
Yes, the First Business Financial Services (FBIZ) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $1.12 and the yield is 2.27%. First Business Financial Services has a payout ratio of 20.8% on a trailing twelve-month basis.
When is the next First Business Financial Services dividend payment date?
The next First Business Financial Services (FBIZ) dividend payment date is unconfirmed.
What is the beta indicator for First Business Financial Services?
First Business Financial Services (FBIZ) has a beta rating of 0.7. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.