First Business Financial Services, Inc. (FBIZ) stock
FBIZNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 18/3016% above fair value
$75.31+0.24 (+0.32%)
Close on Nov 13, 2026Market cap $627.24MP/E 11.1Yield 1.54%
First Business Financial Services statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 12, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.55
- 1.52
- P/OCF Ratio
- 9.16
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.96
- 2.95
- EV / FCF
- 7.88
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.70%
- 0.33%
- Shares Change (QoQ)
- -0.13%
- 0.00%
- Float
- 8M
- 17M
- Shares Held by Insiders
- 6.71%
- 6.05%
- Shares Held by Institutions
- 71.4%
- 61.3%
Short sellingIndustry
- Short Interest
- 377,348
- –
- Short Interest Change
- -0.73%
- -4.13%
- Short % of Float
- 4.86%
- 3.58%
- Short % of Shares Outstanding
- 4.53%
- 3.18%
- Days to Cover
- 4.56
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $79.53
- –
- 52-Week Low
- $49.36
- –
- 20-Day Moving Average
- $74.06
- –
- 50-Day Moving Average
- $72.05
- –
- 200-Day Moving Average
- $63.29
- –
- Average True Range (14)
- $1.84
- –
- Price Change (1 Week)
- 1.52%
- 0.69%
- Price Change (1 Month)
- 7.46%
- 3.79%
- Price Change (3 Months)
- 6.15%
- -2.72%
- Price Change (6 Months)
- 40.0%
- 12.2%
- Price Change (YTD)
- 38.7%
- 19.9%
- Price Change (1 Year)
- 43.2%
- 25.7%
- Price Change (3 Years)
- 113.3%
- 65.1%
- Price Change (5 Years)
- 143.6%
- 26.9%
- Price Change (10 Years)
- 257.4%
- 66.8%
- Average Volume (10 Days)
- 74,921
- –
- Average Volume (20 Days)
- 81,145
- –
- Average Volume (90 Days)
- 67,922
- –
- Relative Volume
- 0.47
- 0.68
- Relative Strength Index (14)
- 58.2
- 53.1
- Volatility (1 Year)
- 23.3%
- 24.4%
- Beta (5 Years)
- 0.57
- 0.63
MarginsIndustry
- Pretax Margin
- 37.0%
- 37.0%
- FCF Margin
- 37.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 15.1%
- 10.7%
- Return on Assets (ROA)
- 1.36%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 7.87%
- 11.7%
- Net Income Growth (YoY)
- 12.2%
- 22.6%
- EPS Growth (YoY)
- 12.0%
- 21.6%
- FCF Growth (YoY)
- 1.39%
- 27.2%
- Revenue Growth (3Y CAGR)
- 9.67%
- 5.82%
- Revenue Growth (5Y CAGR)
- 10.1%
- 6.17%
- EPS Growth (3Y CAGR)
- 7.74%
- 1.31%
- EPS Growth (5Y CAGR)
- 24.7%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $487.15K
- $358.92K
- Profits Per Employee
- $155.49K
- $110.51K
- Employee Count
- 371
- 492
- WACC
- 7.97%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $66.87M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $92.28M
- $165.09M
- Net Cash Per Share
- $11.08
- $8.07
- Equity (Book Value)
- $404.60M
- $570.13M
- Book Value Per Share
- $48.58
- $28.12
- Tangible Book Value
- $404.60M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$638.00K
- -$4.24M
- FCF Per Share
- $8.15
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 9.20%
- 8.29%
- FCF Yield
- 10.8%
- 9.18%
- Dividend Yield
- 1.54%
- 2.44%
- Buyback Yield
- 0.41%
- 1.82%
- Shareholder Yield
- 1.95%
- 3.26%
- Dividend Per Share
- $1.16
- $0.92
- Dividend Growth (YoY)
- 16.0%
- 4.26%
- Years of Dividend Growth
- 13
- 2
- Payout Ratio
- 19.3%
- 28.5%
- FCF Payout Ratio
- 16.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $9.19M
- $16.14M
- Effective Tax Rate
- 13.7%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $86.28
- $45.07
- Graham Upside
- 14.6%
- 18.8%
- Altman Z-Score
- 0.24
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $168.20
- –
- Lynch Upside
- 123.3%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | FBIZ | S&P 500 | Difference | FBIZ per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +8.1% | -3.0% | +11.2 pts | ||
| 3 months | +5.3% | -2.8% | +8.1 pts | ||
| Year to date | +41.7% | +11.5% | +30.2 pts | ||
| 1 year | +46.7% | +13.5% | +33.2 pts | ||
| 3 years | +150.0% | +77.7% | +72.3 pts | +35.7% | +21.1% |
| 5 years | +175.1% | +72.6% | +102.5 pts | +22.4% | +11.5% |
| 10 years | +375.7% | +308.2% | +67.6 pts | +16.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FBIZ shares were sold short on Oct 30, 2026, down 0.7% from the previous report, or 4.86% of the shares available to trade. At recent volumes it would take 4.6 days to buy them back. Over the last 20 sessions, 59.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 377,348 | -0.7% | 82,822 | 4.6 |
| Oct 15, 2026 | 380,120 | +5.2% | 66,079 | 5.8 |
| Sep 30, 2026 | 361,409 | +17.2% | 72,162 | 5.0 |
| Sep 15, 2026 | 308,415 | +17.1% | 47,534 | 6.5 |
| Aug 31, 2026 | 263,366 | +18.6% | 56,378 | 4.7 |
| Aug 14, 2026 | 222,049 | +20.3% | 54,823 | 4.0 |
| Jul 31, 2026 | 184,655 | +19.8% | 80,041 | 2.3 |
| Jul 15, 2026 | 154,110 | +13.9% | 53,622 | 2.9 |
| Jun 30, 2026 | 135,269 | +65.8% | 66,730 | 2.0 |
| Jun 15, 2026 | 81,579 | -2.4% | 37,032 | 2.2 |
| May 29, 2026 | 83,587 | +10.2% | 32,107 | 2.6 |
| May 15, 2026 | 75,856 | +3.6% | 26,576 | 2.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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